{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-061093","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.583751+00:00","generated_at":"2026-05-23T02:16:53.924687+00:00","sec_items":["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 Q1 net income $7.0M ($0.70 EPS); revenue record $153M, originations up 20.2%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-061093","json":"https://secwatch.observer/filing/0000950170-25-061093.json","markdown":"https://secwatch.observer/filing/0000950170-25-061093.md","text":"https://secwatch.observer/filing/0000950170-25-061093.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000095017025061093/0000950170-25-061093-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000095017025061093/rm-20250430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:16:53.924687+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"}