---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-036081"
form_type: "8-K"
ticker: "RM"
cik: "0001519401"
company_name: "Regional Management Corp."
filed_at: "2022-11-01T23:59:59+00:00"
generated_at: "2026-06-22T18:05:30.073466+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Regional Management Q3 net income $10.1M ($1.06 EPS), down 54.7% YoY; declares $0.30 dividend

## Summary
- Net income $10.1M, diluted EPS $1.06; declines of 54.7% and 49.8% YoY respectively.
- Net finance receivables hit all-time high $1.61B, up 22.3% YoY; total revenue record $131.5M, up 17.9%.
- Provision for credit losses $48.1M, up 84.2% YoY; 30+ day delinquencies 7.2% (up 100 bps QoQ).
- Quarterly dividend $0.30 per share payable Dec 14, 2022 to holders of record Nov 23, 2022.
- Expanded to California and Louisiana; closed $200M securitization with AAA rating in Oct 2022.

## SEC filing metadata
- accession: 0001564590-22-036081
- form_type: 8-K
- ticker: RM
- cik: 0001519401
- company_name: Regional Management Corp.
- filed_at: 2022-11-01T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/1519401/000156459022036081/0001564590-22-036081-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1519401/000156459022036081/rm-8k_20221101.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-036081
- JSON: https://secwatch.observer/filing/0001564590-22-036081.json
- Plain text: https://secwatch.observer/filing/0001564590-22-036081.txt

## Key facts
- Earnings Releases
  Regional Management Corp. reported financial results for the three and nine months ended September 30, 2022.
  - Period: the three and nine months ended September 30, 2022
  - Result: reported results
  source text: On November 1, 2022, Regional Management Corp. (the " Company ") issued a press release announcing financial results for the three and nine months ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1519401/000156459022036081/0001564590-22-036081-index.htm

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