---
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"
generated_at: "2026-05-16T04:53:44.687323+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-037735
- JSON: https://secwatch.observer/filing/0001193125-26-037735.json
- Plain text: https://secwatch.observer/filing/0001193125-26-037735.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.