---
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"
generated_at: "2026-05-27T02:36:46.191969+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Regional Management Q4 net income $9.9M, EPS $0.98; record revenue $154.8M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 1.01, 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-014509
- JSON: https://secwatch.observer/filing/0000950170-25-014509.json
- Plain text: https://secwatch.observer/filing/0000950170-25-014509.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.