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Regional Management (RM)
NYSE:RM
Earnings Data
Report Date
Jul 30, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.73Last Year’s EPS
0.86Same Quarter Last Year
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 30, 2025
|% Change Since: -12.91%
|Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment|Positive
The earnings call presented a strong start to the year with record originations and successful branch expansion, alongside positive credit performance. However, the quarter faced challenges with increased expenses and economic uncertainties. Despite these challenges, the company remains optimistic about achieving its growth and income targets for 2025.Company Guidance
During the first quarter of 2025, Regional Management Corp. reported $7 million in net income and $0.70 in diluted EPS, aligning with their guidance. The company experienced a relatively low seasonal liquidation of $2 million, a significant improvement compared to the $27 million decline in the same quarter of the previous year. This was attributed to growth initiatives, including the opening of 15 new branches. Their loan portfolio, including auto-secured and higher-margin small loans, generated a record $153 million in revenue, up 7% from the prior year. The auto-secured loan portfolio grew by 37% year-over-year to 12% of the total portfolio. Despite macroeconomic uncertainties, the company maintained a 10.5% allowance for credit loss reserve rate and reported an annualized net credit loss rate of 12.4%, which was 120 basis points better than the prior year after adjustments. They also highlighted their capital generation strategy, which resulted in $9.9 million of capital in the first quarter, with an overall significant capital generation since 2020. Looking forward, Regional Management Corp. aims for a minimum of 10% portfolio growth in 2025, leveraging their branch-based model and a tightened credit box, while navigating potential economic challenges.Strong Start to 2025
The company posted a net income of $7 million and $0.70 of diluted EPS for the first quarter, in line with guidance. Record first quarter originations were achieved while maintaining a tightened credit box, and ending net receivables were up 8% year-over-year, the fastest growth rate since 2023.
Successful Branch Expansion
15 new branches were opened in September 2024, with 10 in new markets. These branches are performing well, generating $1.5 million in revenue against $1.1 million of G&A expense. This expansion demonstrates the power of the branch-based model in driving growth.
Barbell Strategy Success
The auto-secured loan portfolio grew by 37% year-over-year, while the small loan portfolio with APRs above 36% grew by 21%. These portfolios performed well and supported the customer graduation strategy.
Record Revenue Achieved
The loan portfolio generated $153 million of revenue in the quarter, up 7% from the prior year period. Total capital generation since 2020 was $339 million, averaging an annual capital generation of 21% as a percentage of stockholder's equity.
Positive Credit Performance
The 30-plus-day delinquency rate was 7.1%, flat year-over-year, and net credit losses were $1.6 million better than guidance. The front book now makes up 92% of the portfolio and is performing well.
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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
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RM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 30, 2025 | $32.93 | $27.61 | -16.16% |
| Feb 05, 2025 | $36.63 | $35.86 | -2.10% |
| Nov 06, 2024 | $32.29 | $30.27 | -6.26% |
| Jul 31, 2024 | $31.79 | $30.03 | -5.54% |
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.
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FAQ
When does Regional Management (RM) report earnings?
Regional Management (RM) is schdueled to report earning on Jul 30, 2025, TBA Not Confirmed.
What is Regional Management (RM) earnings time?
Regional Management (RM) earnings time is at Jul 30, 2025, TBA Not 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 2025 (Q2) is 0.73.
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