The earnings call reflects a predominantly positive sentiment, with strong financial results, record growth in originations and portfolio size, and improved credit performance. The company demonstrated effective cost management and strategic expansion efforts. However, there were some challenges with increasing interest expenses and restructuring charges.

Company Guidance -

Q3 2025

During the second quarter of 2025, Regional Management Corp. reported strong financial performance, with net income of $10.1 million and diluted earnings per share of $1.03, marking a 20% year-over-year improvement. The company's revenue reached a record $157 million, driven by $510 million in total originations, also a record high. The annualized operating expense ratio improved to 13.2%, a 60-basis-point improvement from the previous year. Net receivables grew by $70 million sequentially, reaching a year-over-year increase of 10.5%. Additionally, the 30-day delinquency rate improved by 50 basis points sequentially to 6.6%, and the net credit loss rate decreased by 50 basis points sequentially to 11.9%. The company generated $16.9 million in capital during the quarter, returning $17.6 million to shareholders through stock repurchases and dividends. Looking ahead, the company forecasts full-year net income for 2025 to be between $42 million and $45 million, with potential for faster growth in the second half of the year, contingent on customer health and macroeconomic conditions.

Strong Financial Performance

Net income of $10.1 million and diluted EPS of $1.03, an improvement of 20% year-over-year. Quarterly revenue reached a record level of $157 million.

Record Originations and Portfolio Growth

Total originations were at a record high of $510 million, with ending net receivables up 10.5% year-over-year.

Improved Credit Performance

30-day delinquency rate was 6.6%, improving by 50 basis points sequentially and 30 basis points year-over-year. Net credit loss rate was 11.9%, improving 50 basis points sequentially and 80 basis points year-over-year.

Expansion and Strategic Initiatives

Opened 2 new branches, totaling 17 new openings since last year. Continued investment in technology and analytics, with a new front-end origination platform and machine learning models.

Efficient Expense Management

Operating expense ratio improved 60 basis points year-over-year, reaching an all-time best at 13.2%.

Regional Management (RM) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

RM Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	1.47 / -	0.76	―	―	―
Jul 30, 2025	2025 (Q2)	0.72 / 1.03	0.86	19.77% (+0.17)
Apr 30, 2025	2025 (Q1)	0.68 / 0.70	1.56	-55.13% (-0.86)
Feb 05, 2025	2024 (Q4)	0.89 / 0.98	-0.8	222.50% (+1.78)
Nov 06, 2024	2024 (Q3)	1.05 / 0.76	0.91	-16.48% (-0.15)
Jul 31, 2024	2024 (Q2)	0.57 / 0.86	0.63	36.51% (+0.23)
May 01, 2024	2024 (Q1)	0.88 / 1.56	0.9	73.33% (+0.66)
Feb 07, 2024	2023 (Q4)	0.43 / -0.80	0.25	-420.00% (-1.05)
Nov 01, 2023	2023 (Q3)	0.79 / 0.91	1.06	-14.15% (-0.15)
Aug 02, 2023	2023 (Q2)	0.51 / 0.63	1.24	-49.19% (-0.61)

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	$30.86	$32.98	+6.87%
Apr 30, 2025	$32.32	$27.10	-16.15%
Feb 05, 2025	$35.96	$35.20	-2.11%
Nov 06, 2024	$31.69	$29.71	-6.25%

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 Nov 04, 2025, After Close (Confirmed).

What is Regional Management (RM) earnings time?

Regional Management (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.

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