{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-037735","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2026-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.301973+00:00","generated_at":"2026-05-16T04:53:44.687323+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 Q4 EPS $1.30, net income $12.9M (+30% YoY); record revenue $169.7M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-037735","json":"https://secwatch.observer/filing/0001193125-26-037735.json","markdown":"https://secwatch.observer/filing/0001193125-26-037735.md","text":"https://secwatch.observer/filing/0001193125-26-037735.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000119312526037735/0001193125-26-037735-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000119312526037735/rm-20260204.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:53:44.687323+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"}