Regional Management Corp.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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FY2025 · Filed Feb 20, 2026
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Comparison of December 31, 2025, versus December 31, 2024
The following discussion and table describe the changes in finance receivables by product type for the periods indicated:
Large Loans (>$2,500)– Large loans outstanding increased by $256.4 million, or 19.2%, to $1.6 billion at December 31, 2025, from $1.3 billion at December 31, 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 decreased by $8.7 million, or 1.6%, to $547.0 million at December 31, 2025, from $555.8 million at December 31, 2024. The decrease was due to the transition of small loan customers to large loans, offset by growth of receivables in branches opened during 2024 and 2025.
| Dollars in thousands | December 31, 2025 | December 31, 2024 | YoY $ Inc (Dec) | YoY % Inc (Dec) |
|---|---|---|---|---|
| Large loans | $1,593,171 | $1,336,780 | $256,391 | 19.2% |
| Small loans | 547,028 | 555,755 | (8,727) | (1.6)% |
| Total | $2,140,199 | $1,892,535 | $247,664 | 13.1% |
| Number of branches | 353 | 344 | 9 | 2.6% |
| Net finance receivables per branch | $6,063 | $5,502 | $561 | 10.2% |
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