Regional Managment ( (RM) ) has released its Q3 earnings. Here is a breakdown of the information Regional Managment presented to its investors.
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Regional Management Corp., a diversified consumer finance company, specializes in providing installment loan products to customers with limited access to traditional credit sources, operating across 19 states in the U.S. In the third quarter of 2025, Regional Management Corp. reported a significant increase in net income, reaching $14.4 million, an 87% rise from the previous year, with diluted earnings per share of $1.42. The company achieved record revenue of $165 million, driven by a 12.8% growth in its portfolio and a 23% increase in total originations. The company’s net credit loss rate improved to 10.2%, and it achieved an all-time best operating expense ratio of 12.8%. Additionally, the Board of Directors expanded the stock repurchase program authorization from $30 million to $60 million. Regional Management’s strategic focus on growth in its auto-secured portfolio, alongside disciplined credit management and technological investments, has contributed to its robust financial performance. Looking forward, the company plans to expand its branch network in Louisiana and California and enter new states in 2026, aiming to sustain its growth trajectory and deliver consistent shareholder value.