Regional Management Corp. (RM) Form 10-Q — Oct 30, 2026
Regional Management Corp. reported Q3 2026 net income of $15.1 million, or $1.68 basic EPS ($1.61 diluted), up from $1.53/$1.42 a year ago. Total revenue rose 8.0% YoY to $178.8 million, driven by 8.5% growth in average net finance receivables and a $6.7 million contribution from its new bank partnership program with Column. Credit metrics softened: the delinquency rate rose to 7.5% from 7.0%, and the net credit loss rate increased to 10.9% from 10.2%, attributed to 2025-originated loans in higher-risk segments where underwriting has since been tightened.
Key figures
- Eps
- 1.68
- Revenue
- 178776000
- Net Income
- 15113000
- Total Debt
- 1749991000
- Revenue Yoy
- 8.0% increase in Q3 2026 vs Q3 2025
- Total Assets
- 2210439000
- Cash Position
- 7628000
- Shares Outstanding
- 8947424
- Branches
- 354
- Q3 diluted eps
- 1.61
- Active accounts
- 559500
- Q3 originations
- 530251000
- Delinquency rate
- 7.5%
- Efficiency ratio
- 38.4%
- Buyback authorized
- 60000000
- Q3 2025 diluted eps
- 1.42
- Book value per share
- 41.51
- Net credit loss rate
- 10.9%
- Nine month net income
- 34667000
- Net finance receivables
- 2209925000
- Buyback repurchased to date
- 50400000
- Allowance for credit losses pct
- 10.4%
- Dividends declared per share q3
- 0.3
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