{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-267026","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.617231+00:00","generated_at":"2026-05-17T00:15:42.909694+00:00","sec_items":["2.02","5.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Regional Management Q3 net income $14.4M, EPS $1.42 (+87% YoY); CEO Beck resigns, Lamba appointed","bullets":["Record total revenue of $165.5M, up 13.1% YoY; net credit loss rate improved 40 bps to 10.2%.","Record originations of $522.3M (+22.5%); net receivables crossed $2.1B, up 12.8%.","CEO Robert Beck resigns Nov 10, 2025; Lakhbir Lamba (former PNC EVP) appointed CEO and director.","Stock repurchase authorization increased from $30M to $60M; Q4 dividend of $0.30/share declared.","Operating expense ratio improved to all-time best 12.8%; revenue growth outpaced G&A by 12x."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-267026","json":"https://secwatch.observer/filing/0001193125-25-267026.json","markdown":"https://secwatch.observer/filing/0001193125-25-267026.md","text":"https://secwatch.observer/filing/0001193125-25-267026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000119312525267026/0001193125-25-267026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000119312525267026/rm-20251030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:15:42.909694+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"}