Regional Management Corp.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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FY2025 · Filed Feb 20, 2026
RM$34.57-4.0%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets at December 31, 2025 and 2024
Consolidated Balance Sheets
(in thousands, except par value amounts)
| December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| Assets | ||
| Cash | $3,823 | $3,951 |
| Net finance receivables | 2,140,199 | 1,892,535 |
| Unearned insurance premiums | (52,896) | (48,068) |
| Allowance for credit losses | (220,900) | (199,500) |
| Net finance receivables, less unearned insurance premiums and allowance for credit losses | 1,866,403 | 1,644,967 |
| Restricted cash | 94,174 | 131,684 |
| Lease assets | 43,828 | 38,442 |
| Intangible assets | 31,781 | 24,524 |
| Restricted AFS investments | 24,211 | 21,712 |
| Property and equipment | 13,156 | 13,677 |
| Deferred tax assets, net | — | 9,286 |
| Other assets | 26,554 | 20,866 |
| Total assets | $2,103,930 | $1,909,109 |
| Liabilities and Stockholders’ Equity | ||
| Liabilities: | ||
| Debt | $1,650,764 | $1,478,336 |
| Unamortized debt issuance costs | (8,591) | (6,338) |
| Net debt | 1,642,173 | 1,471,998 |
| Lease liabilities | 45,968 | 40,579 |
| Deferred tax liability, net | 3,345 | — |
| Accounts payable and accrued expenses | 39,352 | 39,454 |
| Total liabilities | 1,730,838 | 1,552,031 |
| Commitments and contingencies (Note 17) | ||
| Stockholders’ equity: | ||
| Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding) | — | — |
| Common stock ($0.10 par value, 1,000,000 shares authorized, 15,168 shares issued and 9,554 shares outstanding at December 31, 2025 and 14,921 shares issued and 10,010 shares outstanding at December 31, 2024) | 1,517 | 1,492 |
| Additional paid-in capital | 138,666 | 130,725 |
| Retained earnings | 410,721 | 378,482 |
| Accumulated other comprehensive income (loss) | (2) | 62 |
| Treasury stock (5,614 shares at December 31, 2025 and 4,911 shares at December 31, 2024) | (177,810) | (153,683) |
| Total stockholders’ equity | 373,092 | 357,078 |
| Total liabilities and stockholders’ equity | $2,103,930 | $1,909,109 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.