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EarningsQ2 2026 Earnings Report
RM Q2 2026 EPS Results
Actual EPS$0.85
Consensus EPS$0.81
Beat/MissBeat by +$0.04
One Year Ago EPS$1.03
RM Q2 2026 Revenue Results
Actual Revenue$168.01M
Expected Revenue$165.69M
Beat/MissBeat by +$2.31M
YoY Revenue Growth+6.71%
Earnings Announcement Details
QuarterQ2 2026
Date07/29/2026
TimeAfter Close
Conference CallWednesday, July 29, 2026
RM Upcoming Earnings
Regional Management's next earnings date is estimated for October 28, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
RM Q2 2026 Earnings Call
0:00 / 0:00
Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a mixed but measured picture: solid revenue and portfolio growth, improving operating efficiency, strong early results from the bank partnership, and important technology and digital initiatives that position the company for future returns. Offsetting these positives were near-term headwinds — originations below expectations, elevated credit metrics (net credit loss rate above forecasts and rising delinquencies), competitive pressure on new-borrower acquisition, and a cautious reset of full-year guidance. Management emphasized disciplined, long-term value creation and expects initiatives to drive stronger results in the back half of 2026 and materially in 2027.Company Guidance
Quarterly Profitability
Net income of $8.2 million and diluted EPS of $0.85 for Q2; year-to-date net income and diluted EPS up 14% and 17%, respectively, versus prior-year first half.
Revenue Growth
Total revenue of $168 million in Q2, up ~6.7%–7% year-over-year, driven by higher average net finance receivables.
Portfolio Expansion
Ending net finance receivables of $2.1 billion, up 9.6% year-over-year; net finance receivables per branch ~ $6.0 million, up 8% year-over-year.
Auto-Secured Product Momentum
Auto-secured portfolio grew 32% year-over-year, now 15% of the total portfolio, with a 30+ day delinquency rate of ~2% on that product.
Operating Efficiency Gains
Annualized operating expense ratio improved by 80 basis points year-over-year to 12.4% while continuing to invest in technology and growth initiatives.
Bank Partnership Early Success (Column)
Originations under the bank partnership exceeded $65 million since launch and now represent ~28% of run-rate originations; program originations show 1+ day delinquency ~160 basis points better versus comparable state-licensed Texas loans; expected pre-tax margin improvement of at least 200 basis points on like-for-like loans as program scales.
Product and Channel Innovation
Launched end-to-end digital lending origination in early July; accelerating branch loan origination platform rollout, machine learning credit models, and AI deployments in collections and customer service.
Capital Return and Strong Liquidity
Repurchased ~136,000 shares at an average $36.68; Board declared $0.30 dividend for Q3; year-to-date generated ~$27 million of capital and returned ~$18 million to shareholders; unused capacity $442 million and available liquidity $128 million.
RM Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed