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Regional Managment (RM)
:RM
Earnings Data
Report Date
Nov 04, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
1.47Last Year’s EPS
0.76Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflects strong financial and operational performance, with record-breaking revenue, improved credit performance, and strategic growth initiatives. However, there are challenges related to increased interest expenses and restructuring charges. Overall, the positive aspects significantly outweigh the negatives, resulting in a strong outlook for the company.Company Guidance -
Q3 2025
Record-Breaking Revenue and Growth
The company achieved record quarterly revenue of $157 million, a 10% increase year-over-year, and record total originations of $510 million, up 20% year-over-year.
Strong Net Income and EPS Improvement
Net income was $10.1 million with diluted earnings per share of $1.03, a 20% improvement year-over-year, and 42% better than the midpoint of the company's guidance.
Improved Credit Performance
The 30-day delinquency rate improved by 50 basis points sequentially and 30 basis points year-over-year to 6.6%. The net credit loss rate improved by 50 basis points sequentially and 80 basis points from the prior year.
Successful Strategic Initiatives
The company opened 17 new branches since September 2024, contributing 24% to year-over-year growth, and launched a new customer origination platform to enhance efficiency.
Shareholder Returns and Solid Financial Position
Total capital generation of $16.9 million in Q2 2025, with $17.6 million returned to shareholders through stock repurchases and dividends. The book value per share increased to $36.43.
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 |
|---|---|---|---|
Jul 30, 2025 | $31.11 | $33.24 | +6.85% |
Apr 30, 2025 | $32.58 | $27.32 | -16.14% |
Feb 05, 2025 | $36.24 | $35.48 | -2.10% |
Nov 06, 2024 | $31.94 | $29.94 | -6.26% |
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 Managment (RM) report earnings?
Regional Managment (RM) is schdueled to report earning on Nov 04, 2025, After Close (Confirmed).
What is Regional Managment (RM) earnings time?
Regional Managment (RM) earnings time is at Nov 04, 2025, 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 2025 (Q3) is 1.47.