Regional Management Q4 EPS $1.30, net income $12.9M (+30% YoY); record revenue $169.7M

Regional Management Corp.

2025-FY EPS reported $4.45 revenue$645,598,000

Diluted EPS $1.30, net income $12.9M, up 32.7% and 30.2% YoY respectively.
Record quarterly revenue $169.7M (+9.6% YoY), driven by 13.1% portfolio growth to $2.1B.
Record originations $537.3M (+12.9% YoY); operating expense ratio improved to 12.4% all-time best.
Net credit loss rate 11.0%, up 20bps YoY (10.8% prior year); 30bps improvement after adjusting for disaster deferrals.
Declared Q1 2026 dividend $0.30/share, payable March 12 to holders of record Feb 19.

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