Regional Management Corp. (RM) Form 8-K — Oct 28, 2026
$RMForm 8-KItems 2.02, 5.02, 8.01, 9.01Filed Oct 28, 2026, 4:27 PM ET0001519401-26-000019Original filing
Regional Management Corp. (NYSE: RM) reported record Q3 2026 revenue of $178.8 million, up 8.0% YoY, with net income of $15.1 million and diluted EPS of $1.61, up 5.3% and 13.4% respectively. Net finance receivables grew 7.6% YoY to $2.2 billion, supported by 25.2% growth in auto-secured loans and fee income from its expanding Column N.A. bank partnership, which has originated over $160 million since its March 2026 launch.
Key figures
- Eps
- 1.61
- Revenue
- 178776000
- Guidance
- 2026: YoY net income growth 6%-9%, EPS growth 10%-13%, ENR growth 5%-7%. 4Q 2026: ENR growth ~$60MM, reserve build ~$6.0MM, NCL rate ~11.5%. Long-term: ROE >=18%, ROA >=3%, NCL rate <10%.
- Net Income
- 15113000
- Total Debt
- 1749991000
- Revenue Yoy
- 8.0%
- Total Assets
- 2210439000
- Cash Position
- 7628000
- Shares Outstanding
- 9187000
- Acl rate
- 10.4%
- Dividend yield
- 4.0%
- Diluted eps yoy
- 13.4%
- Return on assets
- 2.8%
- Return on equity
- 15.9%
- Net credit losses
- 59363000
- Delinquency 30plus
- $165.8 million, 7.5% of ENR
- Dividend per share
- 0.3
- Shares repurchased
- 265645
- Total originations
- $530.3 million (up 1.5% YoY)
- Available liquidity
- 104000000
- Fixed rate debt pct
- 74%
- Stockholders equity
- 381350000
- Weighted avg coupon
- 4.8%
- Dividend record date
- 2026-11-18
- Net credit loss rate
- 10.9% (up 70 bps YoY, down 130 bps sequentially)
- Repurchase avg price
- 37.64
- Dividend payment date
- 2026-12-16
- Funded debt to equity
- 4.6x
- Unused credit capacity
- 324000000
- Net finance receivables
- $2.2 billion (up 7.6% YoY)
- Operating expense ratio
- 12.6% (improved 20 bps YoY)
- Allowance for credit losses
- 230800000
- Provision for credit losses
- 66163000
- Funded debt to tangible equity
- 5.1x
- Bank partner originations since launch
- $160 million+
AI analysis
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