Summary
RM Chart
Regional Management Q2 Earnings Call Highlights
Regional Management NYSE: RM reported second-quarter net income of $8.2 million, or $0.85 per diluted share, as revenue growth and improved operating efficiency were partly offset by higher credit-loss provisions and slower-than-expected portfolio expansion.
Regional Management Seems Skilled At Navigating The K-Shaped Economy (Rating Upgrade)
Regional Management Corporation (RM) is upgraded to a soft Buy, reflecting strong earnings growth and a deeply discounted valuation despite macro risks. RM reported record revenues and robust EPS growth, with Q1 2026 net income up 63% year-over-year and operating expense ratio at an all-time best 12.2%. Forward PE of 6.4 and analyst EPS targets suggest RM trades at a significant discount to peers, with a tangible book value premium and 3.34% dividend yield.
Regional Management Corp. (RM) Q4 2025 Earnings Call Transcript
Regional Management Corp. (RM) Q4 2025 Earnings Call Transcript
Regional Management Corp. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
 Curtis Ellergodt Rothschild Investment LLC | 5 | $146 | $164.75 | $18.75 | 12.84% |
| GH George Henning PACIFIC GLOBAL INVESTMENT MANAGEMENT Co. | 7,723 | $252,709.59 | $269,918.85 | $17,209.26 | 6.81% |
 Joseph Castro Nuveen LLC | 21,615 | $651,043.43 | $680,872.5 | $29,829.07 | 4.58% |
 Jennifer Grunberg Allspring Global Investments Holdings LLC | 12,167 | $381,413.51 | $391,412.39 | $9,998.88 | 2.62% |
 Ana-Maria Ignat Covestor Ltd | 241 | $9,046.32 | $7,902.39 | -$1,143.93 | -12.65% |
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Regional Management Corp. Profile
| Financial Services Industry | Financials Sector | Lakhbir S. Lamba CEO | NYSE Exchange | 75902K106 CUSIP |
| US Country | 2,112 Employees | 19 Aug 2026 Last Dividend | - Last Split | 28 Mar 2012 IPO Date |
Overview
Regional Management Corp., established in 1987 and based in Greer, South Carolina, operates as a diversified consumer finance company within the United States. This corporation specially caters to individuals who find it challenging to obtain consumer credit through conventional channels such as banks, thrifts, credit card companies, and other traditional lenders. Its core mission revolves around providing a suite of installment loan products tailored to meet the financial needs of customers with limited access to credit, thereby fulfilling a significant gap in the consumer finance sector.
Products and Services
- Installment Loans:
The company extends both small and large installment loans, which are often secured by non-essential household items and/or vehicles. These loans are designed to cater to the various needs of its customers, providing them with financial flexibility.
- Retail Loans:
To facilitate the purchase of furniture, appliances, and other retail products, Regional Management Corp. offers retail loans. This service aims to make it easier for customers to acquire essential household goods through manageable payment plans.
- Insurance Products:
- Credit Life Insurance: This type of insurance is designed to pay off the loan of the borrower in the event of their death, ensuring financial peace for the borrower's family.
- Accident and Health Insurance: Offers coverage for loan payments in cases where the borrower cannot make payments due to an accident or health issues.
- Involuntary Unemployment Insurance: This insurance helps cover loan payments if the borrower loses their job through no fault of their own.
- Personal Property Insurance: Provides insurance cover for the personal property used as collateral for loans, in cases of damage or loss.
- Vehicle Single Interest, Credit, and Collateral Protection Insurance: These insurance products offer protection for vehicles used as collateral, covering various risks associated with lending and borrowing.
- Reinsurance Products:
In addition to direct insurance products, Regional Management Corp. provides reinsurance options that offer another layer of security and risk management for its loan portfolio.
- Loan Sourcing:
Loans are sourced through multiple channels including branch networks, centrally managed direct mail campaigns, collaborations with digital partners, and the company’s consumer-focused website. This multi-channel approach ensures a broad reach to potential customers across different segments.
