Regional Management (NYSE:RM) Posts Quarterly Earnings Results

Regional Management (NYSE:RM) announced its quarterly earnings data on Wednesday. The credit services provider reported $1.30 EPS for the quarter, topping analysts’ consensus estimates of $1.23 by $0.07, Zacks reports. Regional Management had a return on equity of 11.43% and a net margin of 6.57%.The company had revenue of ($165.49) million during the quarter, compared to the consensus estimate of $167.90 million.

Here are the key takeaways from Regional Management’s conference call:

• Delivered strong results and guidance: Q4 net income $12.9M ($1.30 EPS) (up 33% YoY), full‑year net income $44.4M, and management expects 2026 net income growth of 20–25% with at least 10% ENR growth.
• Portfolio momentum: ending net receivables rose 13% to $2.1B, record Q4 originations of $537M, and the auto‑secured portfolio grew 42% YoY and is a prioritized growth opportunity.
• Improving credit profile: 30+ delinquency improved 20 bps YoY to 7.5% and full‑year net credit losses improved ~70 bps, with a long‑term NCL target under 10%.
• Near‑term seasonality risk: management expects typical Q1 credit seasonality (a sequential NCL increase of roughly 150 bps annualized) and possible ENR contraction from elevated tax refunds, which could pressure early‑2026 results.
• Strategic initiatives underway: new CEO is investing in people, digital/AI, branch expansion and a bank partnership capability that could accelerate market entry and broaden products but remains in development and carries execution uncertainty.

Regional Management Price Performance

Shares of NYSE:RM traded down $6.00 during midday trading on Thursday, reaching $34.36. 92,864 shares of the company’s stock were exchanged, compared to its average volume of 51,772. Regional Management has a fifty-two week low of $25.41 and a fifty-two week high of $46.00. The stock has a market cap of $333.59 million, a price-to-earnings ratio of 8.32 and a beta of 1.06. The firm’s 50 day simple moving average is $38.41 and its two-hundred day simple moving average is $38.70.

Regional Management Dividend Announcement

The firm also recently declared a quarterly dividend, which will be paid on Thursday, March 12th. Shareholders of record on Thursday, February 19th will be given a dividend of $0.30 per share. The ex-dividend date is Thursday, February 19th. This represents a $1.20 dividend on an annualized basis and a yield of 3.5%. Regional Management’s dividend payout ratio is currently 29.06%.

Analyst Ratings Changes

Several research firms recently commented on RM. Wall Street Zen raised shares of Regional Management from a “buy” rating to a “strong-buy” rating in a report on Saturday, January 3rd. Weiss Ratings reiterated a “hold (c+)” rating on shares of Regional Management in a research note on Monday, December 29th. Finally, Zacks Research upgraded shares of Regional Management from a “strong sell” rating to a “hold” rating in a research report on Monday, January 5th. Three investment analysts have rated the stock with a Hold rating, Based on data from MarketBeat.com, the stock has a consensus rating of “Hold” and an average target price of $30.00.

Insider Buying and Selling

In other Regional Management news, major shareholder Fund L.P. Forager sold 809 shares of Regional Management stock in a transaction dated Tuesday, January 13th. The stock was sold at an average price of $38.62, for a total transaction of $31,243.58. Following the transaction, the insider directly owned 1,019,263 shares in the company, valued at approximately $39,363,937.06. The trade was a 0.08% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is accessible through this link. Also, CAO Steven B. Barnette sold 1,640 shares of Regional Management stock in a transaction on Monday, November 24th. The stock was sold at an average price of $37.00, for a total transaction of $60,680.00. Following the transaction, the chief accounting officer owned 21,338 shares in the company, valued at approximately $789,506. This trade represents a 7.14% decrease in their position. The disclosure for this sale is available in the SEC filing. In the last quarter, insiders sold 77,475 shares of company stock valued at $3,006,040. 10.80% of the stock is currently owned by corporate insiders.

Institutional Investors Weigh In On Regional Management

Several institutional investors and hedge funds have recently bought and sold shares of the business. Royal Bank of Canada increased its position in shares of Regional Management by 2.4% in the first quarter. Royal Bank of Canada now owns 16,200 shares of the credit services provider’s stock valued at $487,000 after acquiring an additional 375 shares during the last quarter. JPMorgan Chase & Co. increased its position in shares of Regional Management by 9.7% in the second quarter. JPMorgan Chase & Co. now owns 4,824 shares of the credit services provider’s stock valued at $141,000 after acquiring an additional 425 shares during the period. BNP Paribas Financial Markets boosted its holdings in Regional Management by 45.3% in the third quarter. BNP Paribas Financial Markets now owns 2,077 shares of the credit services provider’s stock worth $81,000 after purchasing an additional 648 shares during the last quarter. Wexford Capital LP purchased a new position in shares of Regional Management during the third quarter valued at about $32,000. Finally, First Trust Advisors LP increased its stake in shares of Regional Management by 3.0% during the second quarter. First Trust Advisors LP now owns 29,197 shares of the credit services provider’s stock valued at $853,000 after buying an additional 862 shares during the period. Institutional investors own 98.89% of the company’s stock.

Regional Management News Roundup

Here are the key news stories impacting Regional Management this week:

• Positive Sentiment: Q4 earnings beat — RM reported $1.30 EPS vs. $1.23 expected and said net income was up ~30% year-over-year, signaling solid profitability and portfolio momentum. Q4 Press Release
• Positive Sentiment: Dividend declared — RM announced a $0.30 quarterly dividend (3.4% yield) with an ex-dividend date of Feb 19, supporting income-oriented investors and reducing downside risk from yield-seeking flows.
• Positive Sentiment: Technical bullish signal — some coverage notes RM’s share price crossed above its 200-day moving average recently, which can attract momentum buyers. Moving Average Note
• Neutral Sentiment: Earnings call / transcripts and slide deck available — management highlighted portfolio growth and operational momentum; read the call highlights and full transcript for detail on drivers and any guidance. Earnings Highlights Call Transcript
• Negative Sentiment: Revenue slightly missed expectations — Q4 revenue was ~$165.5M vs. ~$167.9M expected, which may worry short-term traders focused on top-line trends despite the EPS beat. Earnings Summary
• Negative Sentiment: Technical/price pressure — RM’s share price is trading below its 50- and 200-day moving averages and has seen a sharp pullback today, which can trigger stop-selling and short-term downside even when fundamentals are improving.

Regional Management Company Profile

Regional Management Corp., headquartered in Wilmington, North Carolina, is a consumer finance company specializing in installment loan products for underbanked individuals. Since its founding in 1977, the company has developed a network of field-based branches alongside a digital platform to offer credit solutions in rural and small-town markets across the United States.

The company’s core offerings include consumer installment loans for everyday purchases, auto refinancing and lease buyouts, as well as ancillary services such as insurance referrals.