Regional Management Corp (NYSE: RM) is a consumer finance company that originates and services installment loans to non-prime borrowers through a branch-based lending model. It makes money by charging interest and fees on personal loans, with income driven by the spread between its cost of funds and the rates charged to borrowers. The company operates as both lender and servicer, including acting as servicer on securitized loan pools. Regional Management files as a non-well-known seasoned issuer and references wholly owned, bankruptcy-remote special purpose entities used in its securitization program. The filing covers fiscal year ended December 31, 2025, per the 10-K filed February 20, 2026 (accession 0001193125-26-061549). Specific branch counts, loan origination volumes, revenue totals, and segment breakdowns are not supported by the provided filing excerpts and are therefore omitted.

Revenue model

Interest income and fees earned on installment loans originated to non-prime consumers, supplemented by income from its role as servicer on securitized loan pools.

Products and services

Personal installment loans to non-prime borrowers; loan securitization structures using bankruptcy-remote special purpose entities.

Customers and end markets

Non-prime individual consumers seeking personal installment loans.

Value-chain role

Direct lender and loan servicer; originates, holds, and services consumer installment loans, including as servicer on securitizations.

Geographic exposure

United States. Specific state or regional breakdown not supported by the provided filing excerpts.

Source: SEC 10-K, filed 2026-02-20

Industry: Personal Credit Institutions Peers: American Express Co Atlanticus Holdings Corp Consumer Portfolio Services Inc CURO Group Holdings Corp. EZCORP Inc OppFi Inc MONEYLION INC. Lendingtree Inc Sunlight Financial Holdings Inc. World Acceptance Corp