---
schema_version: "secwatch.filing_event.v1"
accession: "0001519401-26-000012"
form_type: "8-K"
ticker: "RM"
cik: "0001519401"
company_name: "Regional Management Corp."
filed_at: "2026-07-29T20:26:17+00:00"
generated_at: "2026-07-29T20:27:11.665313+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Regional Management Q2 net income falls 19.6% to $8.2M; revenue up 6.7% to $168M; declares $0.30 dividend

## Summary
- Net income $8.2M ($0.85 diluted EPS), down 19.6% YoY; YTD net income $19.6M ($2.03 EPS), up 14% YoY.
- Total revenue $168.0M, up 6.7% YoY; net finance receivables $2.1B, up 9.6% YoY.
- Net credit loss rate 12.2%, up 30 bps YoY; operating expense ratio 12.4%, improved 80 bps YoY.
- Declared quarterly dividend $0.30/share, payable Sept 16, 2026 to holders of record Aug 19, 2026.
- Bank partnership with Column N.A. originated >$65M loans; digital lending launched; entered Florida.

## SEC filing metadata
- accession: 0001519401-26-000012
- form_type: 8-K
- ticker: RM
- cik: 0001519401
- company_name: Regional Management Corp.
- filed_at: 2026-07-29T20:26:17+00:00
- event_type: earnings
- sentiment: neutral
- 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/1519401/000151940126000012/0001519401-26-000012-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1519401/000151940126000012/rm-20260729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001519401-26-000012
- JSON: https://secwatch.observer/filing/0001519401-26-000012.json
- Plain text: https://secwatch.observer/filing/0001519401-26-000012.txt

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