Regional Management Corp.
For the period ended Mar 31, 2025. Filed May 2, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2025 · Filed May 2, 2025
RM$36.02-0.6%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
GLOSSARY
Terms and abbreviations used in this report are defined below:
| Term or Abbreviation | Definition |
|---|---|
| 2015 Plan | 2015 Long-Term Incentive Plan |
| 2024 Plan | 2024 Long-Term Incentive Plan |
| AFS | available-for-sale |
| ASU | Accounting Standards Update |
| Board | the Company's Board of Directors |
| B(W) | comparatively better shown as positives, comparatively worse shown as negatives |
| CFPB | Consumer Financial Protection Bureau |
| CODM | Chief Operating Decision Maker |
| Company | Regional Management Corp. |
| Consent Agreement | Consent Agreement between the CFPB and the Company dated January 4, 2024 |
| Cost of funds | annualized (as applicable) interest expense as a percentage of average net finance receivables |
| Debt balance | the balance for each respective debt agreement, composed of principal balance and accrued interest |
| Delinquency rate | delinquent loans outstanding as a percentage of ending net finance receivables |
| Efficiency ratio | annualized (as applicable) general and administrative expenses as a percentage of total revenue |
| Exchange Act | the Securities Exchange Act of 1934, as amended |
| FASB | Financial Accounting Standard Board |
| FICO | Fair Isaac Corporation |
| Funded debt-to-equity ratio | debt divided by total stockholders' equity |
| GAAP | U.S. Generally Accepted Accounting Principles |
| Inc (Dec) | comparative increases shown as positives, comparative decreases shown as negatives |
| Issuance Trust | the Company's indirect SPE through which private offerings and sales consisting of the issuance of classes of fixed-rate, asset-backed notes are completed |
| KTIP | key team member incentive program |
| LGD | loss given default |
| LTIP | long-term incentive program |
| Net credit loss rate | annualized (as applicable) net credit losses as a percentage of average net finance receivables |
| Notice | notice provided by the CFPB to the Company dated March 7, 2023 |
| NQSO | nonqualified stock option |
| Operating expense ratio | annualized (as applicable) general and administrative expenses as a percentage of average net finance receivables |
| PD | probability of default |
| PRSU | performance restricted stock unit |
| QoQ | quarter-over-quarter |
| RMIT | Regional Management Issuance Trust |
| RMR | Regional Management Receivables |
| RMR III | Regional Management Receivables III, LLC |
| RMR IV | Regional Management Receivables IV, LLC |
| RMR V | Regional Management Receivables V, LLC |
| RMR VI | Regional Management Receivables VI, LLC |
| RMR VII | Regional Management Receivables VII, LLC |
| RSA | restricted stock award |
| RSU | restricted stock unit |
| SEC | Securities and Exchange Commission |
| SOFR | secured overnight financing rate |
| SPE | wholly owned, bankruptcy-remote, special purpose entity |
| Term or Abbreviation | Definition |
|---|---|
| Stockholders' equity ratio | total stockholders' equity as a percentage of total assets |
| VIE | variable interest entity |
| YoY | year-over-year |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.