Regional Management Q1 net income $7.0M ($0.70 EPS); revenue record $153M, originations up 20.2%

Regional Management Corp.

2025-Q1 EPS reported $0.70 revenue$152,967,000

Q1 net income $7.0M, diluted EPS $0.70; total revenue $153.0M, up 6.0% YoY; record originations $392.1M, +20.2%.
Net finance receivables $1.9B, +8.4% YoY; 30+ day delinquency 7.1%, down 60 bps sequentially.
Net credit loss rate 12.4% vs 10.6% prior year; adjusted for NPL sale benefit, improvement of 120 bps YoY.
Dividend declared $0.30/share, payable June 11, 2025; CFPB closed exam with no adverse finding.
Opened 15 new branches since Sept 2024; closed $265M securitization at 5.3% coupon, 90 bps improvement.

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