{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-014509","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2025-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.869214+00:00","generated_at":"2026-05-27T02:36:46.191969+00:00","sec_items":["1.01","2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Regional Management Q4 net income $9.9M, EPS $0.98; record revenue $154.8M","bullets":["Net income $9.9M ($0.98 diluted EPS); record revenue $154.8M, up 9.3% YoY.","Net receivables grew $73M sequentially to $1.9B; net credit loss rate 10.8%, 430 bps better YoY.","Declared quarterly dividend $0.30/share, payable March 13, 2025 to holders of record Feb 20, 2025.","Credit agreement amendment reduced interest margin to 2.05% and extended commitment termination to Feb 2027.","Management expects minimum 10% portfolio growth and meaningful net income improvement in 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-014509","json":"https://secwatch.observer/filing/0000950170-25-014509.json","markdown":"https://secwatch.observer/filing/0000950170-25-014509.md","text":"https://secwatch.observer/filing/0000950170-25-014509.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000095017025014509/0000950170-25-014509-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000095017025014509/rm-20250131.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T02:36:46.191969+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"}