Regional Management Corp.

For the period ended Dec 31, 2025. Filed Feb 20, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

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.

See the whole filing, with its images and exhibits

Contents

Item 7. Results of Operations

Results of Operations

The following table summarizes our results of operations, both in dollars and as a percentage of average net finance receivables for the periods indicated:

	Year Ended December 31,
	2025		2024		2023
Dollars in thousands	Amount	% ofAverage Net FinanceReceivables	Amount	% ofAverage Net FinanceReceivables	Amount	% ofAverage Net FinanceReceivables
Revenue
Interest and fee income	$578,949	29.3%	$528,894	29.6%	$489,698	28.6%
Insurance income, net	45,573	2.3%	40,695	2.3%	44,529	2.6%
Other income	21,076	1.1%	18,914	1.0%	17,172	1.0%
Total revenue	645,598	32.7%	588,503	32.9%	551,399	32.2%
Expenses
Provision for credit losses	245,432	12.4%	212,200	11.9%	220,034	12.9%
Personnel	159,637	8.1%	153,789	8.6%	156,872	9.2%
Occupancy	28,204	1.4%	25,823	1.4%	25,029	1.5%
Marketing	18,551	0.9%	19,006	1.1%	15,774	0.9%
Other	51,183	2.7%	49,080	2.7%	45,444	2.6%
Total general and administrative	257,575	13.1%	247,698	13.8%	243,119	14.2%
Interest expense	84,814	4.3%	74,530	4.2%	67,463	3.9%
Income before income taxes	57,777	2.9%	54,075	3.0%	20,783	1.2%
Income taxes	13,365	0.6%	12,848	0.7%	4,825	0.3%
Net income	$44,412	2.3%	$41,227	2.3%	$15,958	0.9%

Information explaining the changes in our results of operations from year-to-year is provided in the following pages.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.