Regional Management Corp
regionalmanagement.comWhat Do They Do?
Offers large and small installment loans, plus optional payment and collateral protection insurance, to consumers who often do not qualify for prime credit.
10-K for FY2025, filed Feb 20, 2026We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to…View ↗
Our core products are large and small installment loans. As a complement to our loan products, we offer our customers optional payment and…View ↗
We operate in the consumer finance industry, in which consumers are generally described as super-prime (most creditworthy), prime…View ↗
How Do They Make Money?
Borrowers repay fixed-rate loans in equal monthly installments, and the company earns interest over the loan term; optional insurance income is earned over policy terms, while late fees are charged when collected.
10-K for FY2025, filed Feb 20, 2026We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to…View ↗
Income recognition: Interest income is recognized using the interest method (constant yield method). Therefore, the Company recognizes…View ↗
The Company recognizes income on credit life insurance, credit personal property insurance, and vehicle single interest insurance using the…View ↗
Charges for late fees are recognized as income when collected.View ↗
$645.6M
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10-K for FY2025, filed Feb 20, 2026
$645.6M ↗
Who Are Their Customers?
Consumers with less-than-perfect credit profiles borrow through the company’s branches, direct mail, website, and digital partners; nearly all loans, regardless of how they start, are serviced through branches.
10-K for FY2025, filed Feb 20, 2026We operate in the consumer finance industry, in which consumers are generally described as super-prime (most creditworthy), prime…View ↗
Omni-Channel Platform. Our omni-channel platform, which includes our branches, direct mail campaigns, digital partners, and consumer…View ↗
Integrated Branch Model with Centralized Support. Our branch network serves as the foundation of our omni-channel platform and the primary…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 7 cents of every revenue dollar as net income in FY2025 and turned 47 cents into free cash flow.
How Are They Changing?
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Mar 5, 2026
Starts a lending program with Column as lender
Column makes secured and unsecured installment loans; Regional handles marketing and servicing and receives fees.
Sources
8-K, filed Mar 5, 2026
On March 2, 2026, Regional Management Corp. (the “Company”) and Column National Association, a national banking association (“Column”)…View ↗
Growing. Revenue grew 51% in 4 years, from $428.4M in FY2021 to $645.6M in FY2025, about 11% a year.
Higher large-loan ceiling
The latest report describes large installment loans with a higher maximum cash amount than the older report.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 20, 2026Large Loans – We offer large installment loans with cash proceeds to customers ranging from $2,501 to $25,000, with terms between 18 and 60…View ↗
Large Loans – We offer large installment loans with cash proceeds to customers ranging from $2,501 to $35,000, with terms between 18 and 60…View ↗
Mobile app deployed
The older report said the company expected to complete development of a mobile app, while the latest says it deployed one.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 20, 2026Improve Our Digital Capabilities. In order to better attract and serve customers who prefer to conduct business digitally, we make an…View ↗
Improve Our Digital Capabilities. In order to better attract and serve customers who prefer to conduct business digitally, we make an…View ↗
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