Regional Management Corp.
For the period ended Sep 30, 2025. Filed Nov 6, 2025.
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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.
Sep 30, 2025 · Filed Nov 6, 2025
Extracted filing text, with the paragraph anchors used by the comparison.
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Comparison of September 30, 2025, versus September 30, 2024
The following discussion and table describe the changes in finance receivables by product type:
Large Loans (>$2,500)– Large loans outstanding increased by $218.7 million, or 16.9%, to over $1.5 billion at September 30, 2025, compared to $1.3 billion at September 30, 2024. The increase was due to growth in our auto-secured loan portfolio, the growth of receivables in branches opened during 2024 and 2025, and the transition of small loan customers to large loans.
Small Loans (≤$2,500)– Small loans outstanding increased by $14.5 million, or 2.8%, to $540.9 million at September 30, 2025, from $526.3 million at September 30, 2024. The increase was due to marketing, growth in our higher-margin loan portfolio, and growth of receivables in branches opened during 2024 and 2025, partially offset by the transition of small loan customers to large loans.
| Dollars in thousands | September 30, 2025 | September 30, 2024 | YoY $ Inc (Dec) | YoY % Inc (Dec) |
|---|---|---|---|---|
| Large loans | $1,512,140 | $1,293,410 | $218,730 | 16.9% |
| Small loans | 540,877 | 526,346 | 14,531 | 2.8% |
| Total | $2,053,017 | $1,819,756 | $233,261 | 12.8% |
| Number of branches | 349 | 340 | 9 | 2.6% |
| Net finance receivables per branch | $5,883 | $5,352 | $531 | 9.9% |
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