{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-088606","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.350374+00:00","generated_at":"2026-05-31T14:21:37.902851+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Regional Management Q2 net income $8.4M, EPS $0.86, revenue $143M, declares $0.30 dividend","bullets":["Net income $8.4M, diluted EPS $0.86, up 37% from $0.63 YoY.","Total revenue $143M, +7.1% YoY; net finance receivables $1.8B, +5% YoY.","30+ day delinquency stable at 6.9%; net credit loss rate improved 40 bps to 12.7% annualized.","Operating expense ratio 13.8%; G&A $60.1M.","Q3 dividend $0.30/share, payable Sep 12, record Aug 21."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-088606","json":"https://secwatch.observer/filing/0000950170-24-088606.json","markdown":"https://secwatch.observer/filing/0000950170-24-088606.md","text":"https://secwatch.observer/filing/0000950170-24-088606.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000095017024088606/0000950170-24-088606-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000095017024088606/rm-20240731.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:21:37.902851+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}