Short answer
Regional Management Corp. (RM) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $165M (up 13.1% year over year) with net income of $14M.
Q3 2025 key financials · XBRL
- Revenue
- $165M
- +13.1% YoY · +5.1% QoQ
- Net income
- $14M
- +87.3% YoY · +41.6% QoQ
- EPS (diluted)
- $1.42
- +89.3% YoY · +37.9% QoQ
Source: XBRL data from the Regional Management Corp. (RM) Q3 2025 10-Q on SEC EDGAR. USD.
Regional Management Corp. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $165.5M, up 13.1% YoY from $146.3M
- Net income $14.4M vs $7.7M; margin 8.7% vs 5.2% YoY
- Large loans strongest: $1.5B receivables, up 16.9%; small loans $540.9M, up 2.8%
- Net credit loss rate 10.2% vs 10.6%; allowance 10.3% of receivables
- Available liquidity $155.4M; unused revolver capacity $399.8M amid inflation and higher-rate headwinds
Risk Factors
- No material risk-factor changes from 2024 Form 10-K, except the factor added in the March 31, 2025 Form 10-Q
- Financing risk: August 19, 2025 loan and security agreement and amendments to four receivables credit facilities
- Regulatory risk: SEC filings warn unknown or currently immaterial risks could materially adversely affect results
- Capital-allocation risk: $30.0 million share-repurchase authorization extends through December 31, 2026
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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