{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-122367","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.669897+00:00","generated_at":"2026-05-30T04:29:03.620222+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Regional Management Q3 2024 net income $7.7M ($0.76 EPS) with $4.3M hurricane impact","bullets":["Net income of $7.7M ($0.76 diluted EPS) inclusive of $4.3M ($0.42/share) hurricane impact.","Record revenue $146.3M (+3.9% YoY) and net receivables $1.82B (+3.9% YoY).","Net credit loss rate 10.6% (improved 40 bps YoY); 30+ day delinquency 6.9% (improved 40 bps).","Q4 dividend $0.30/share declared, payable Dec 11, 2024 to holders of record Nov 21.","Operating expense ratio 13.9% (improved 50 bps YoY); G&A expenses up only 0.6% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-122367","json":"https://secwatch.observer/filing/0000950170-24-122367.json","markdown":"https://secwatch.observer/filing/0000950170-24-122367.md","text":"https://secwatch.observer/filing/0000950170-24-122367.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000095017024122367/0000950170-24-122367-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000095017024122367/rm-20241106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:29:03.620222+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"}