earnings
confidence high
sentiment positive
materiality 0.80
Regional Management Q2 net income $10.1M ($1.03 EPS) up 20% YoY; record revenue and originations
Regional Management Corp.
2025-Q2 EPS reported
$1.73
revenue$310,409,000
- Net income $10.1M, diluted EPS $1.03, up ~20% YoY; record revenue $157.4M (+10.1%).
- Record originations $510.3M (+19.8%); net finance receivables $2.0B (+10.5% YoY).
- Credit improvement: 30+ day delinquency 6.6% (-30bps), net credit loss rate 11.9% (-80bps).
- Operating expense ratio 13.2%, an all-time best, down 60bps YoY; revenue growth outpaced G&A by 5x.
- Declared $0.30 quarterly dividend (unchanged); repurchased 164,692 shares at avg $30.36 in Q2.
item 2.02item 8.01item 9.01