Regional Management Corp.
For the period ended Sep 30, 2026. Filed Oct 30, 2026.
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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, 2026 · Filed Oct 30, 2026
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Comparison of September 30, 2026, versus September 30, 2025
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 $229.9 million, or 15.2%, to $1.7 billion at September 30, 2026, from $1.5 billion at September 30, 2025. The increase was due to growth in our large-loan convenience checks and our auto-secured loan portfolio, the growth of receivables in branches opened during 2025 and 2026, and the transition of small loan customers to large loans.
Small Loans (≤$2,500)– Small loans outstanding decreased by $73.0 million, or 13.5%, to $467.9 million at September 30, 2026, from $540.9 million at September 30, 2025. The decrease was driven by tightened underwriting in higher-risk business and the transition of small loan customers to large loans, partially offset by growth of receivables in branches opened during 2025 and 2026.
| Dollars in thousands | September 30, 2026 | September 30, 2025 | YoY $ Inc (Dec) | YoY % Inc (Dec) |
|---|---|---|---|---|
| Large loans | $1,742,013 | $1,512,140 | $229,873 | 15.2% |
| Small loans | 467,912 | 540,877 | (72,965) | (13.5)% |
| Total | $2,209,925 | $2,053,017 | $156,908 | 7.6% |
| Number of branches | 354 | 349 | 5 | 1.4% |
| Net finance receivables per branch | $6,243 | $5,883 | $360 | 6.1% |
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