Education
About Us
Working with TipRanks
Follow Us
Regional Management (RM)
NYSE:RM
Earnings Data
Report Date
May 06, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.2Last Year’s EPS
0.7Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed materially positive operating momentum: record revenue, double-digit portfolio and origination growth, marked improvement in expense efficiency, strong capital generation and shareholder returns, and improved credit metrics. Management acknowledged near-term headwinds from Q1 seasonality and an expected rise in net credit losses tied to tax-refund-driven behavior and portfolio mix, and noted execution risks around expansion and a developing bank partnership. On balance, the company emphasized disciplined growth, constructive guidance for 2026 (ENR +10%, net income +20%–25%), and confidence in long-term risk-adjusted returns.Company Guidance
Strong Quarter and EPS Beat
Q4 net income of $12.9 million and diluted EPS of $1.30, a 33% increase year-over-year, exceeding guidance despite a larger provision for credit losses tied to portfolio growth.
Record Revenue and Full-Year Improvement
Q4 total revenue reached a record $170 million, up 10% year-over-year; full-year net income was $44.4 million, an 8% increase versus 2024 and toward the upper end of prior guidance.
Portfolio and Originations Growth
Ending net receivables grew $248 million (13% year-over-year) to a $2.1 billion loan portfolio. Q4 net receivables increased $87 million and Q4 originations were $537 million (up 13% YoY); full-year originations totaled $2.0 billion, up 19% from 2024.
Auto-Secured Portfolio Expansion
Auto secured portfolio grew 42% year-over-year in 2025 and is highlighted as an attractive, higher-return segment the company will continue to invest in.
Improving Credit Metrics
30+ day delinquency improved 20 basis points year-over-year to 7.5% as of quarter-end. Adjusted Q4 annualized net credit loss (NCL) rate improved 30 bps YoY; full-year NCL rate improved 70 bps YoY (adjusted for prior-year items).
Allowance and Provisioning Support Growth
Allowance for credit losses rate held steady at 10.3%, a 20 bps improvement YoY, with management increasing the allowance by $8.9 million in Q4 to support portfolio growth.
Operating Efficiency and Expense Discipline
Annualized operating expense ratio hit an all-time best of 12.4% in Q4 (improvement of 160 bps YoY); full-year operating expense ratio was 13.1%, a 70 bps improvement YoY, reflecting scale benefits.
Capital Generation and Shareholder Returns
Generated $74 million of capital in 2025 and returned $36 million to shareholders via dividends and buybacks. Declared 30¢ dividend for Q1; repurchased ~197,000 shares in Q4 (weighted avg price $38.07) and ~702,000 shares for the full year (avg $34.12).
Branch Expansion and Physical Footprint Growth
Opened five new branches in Q4 (California and Louisiana) and 17 de novo branches over the past 12 months; average ending net receivables per branch reached $6.1 million.
Positive 2026 Guidance
2026 guidance calls for at least 10% ending net receivables growth and net income growth of 20%–25%, with continued focus on credit performance, operating leverage, and investments in data/technology.
RM Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
RM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $40.35 | $34.47 | -14.57% |
Nov 05, 2025 | $40.54 | $36.45 | -10.09% |
Jul 30, 2025 | $30.61 | $32.71 | +6.86% |
Apr 30, 2025 | $32.06 | $26.88 | -16.16% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Regional Management (RM) report earnings?
Regional Management (RM) is schdueled to report earning on May 06, 2026, After Close (Confirmed).
What is Regional Management (RM) earnings time?
Regional Management (RM) earnings time is at May 06, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is RM EPS forecast?
RM EPS forecast for the fiscal quarter 2026 (Q1) is 1.2.