Short answer
Regional Management Corp. (RM) filed its Q2 2026 10-Q quarterly report on Jul 31, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $168M (up 6.7% year over year) with net income of $8M.
Q2 2026 key financials · XBRL
- Revenue
- $168M
- +6.7% YoY · +0.4% QoQ
- Net income
- $8M
- −19.6% YoY · −28.5% QoQ
- EPS (diluted)
- $0.85
- −17.5% YoY · −28.0% QoQ
Source: XBRL data from the Regional Management Corp. (RM) Q2 2026 10-Q on SEC EDGAR. USD.
Regional Management Corp. Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $168.0M, up 6.7% YoY from $157.4M
- Net income $8.2M vs $10.1M; margin 1.5% vs 2.1% YoY
- Large loans best performer: receivables $1.7B, up 17.4%; small loans worst, down 10.7% to $488.6M
- Provision for credit losses $69.0M, up 13.9%; net credit loss rate 12.2% vs 11.9%
- Debt increased to $1.7B from $1.5B; 80% of total debt fixed-rate as of June 30, 2026
- Headwinds: tightened small-loan underwriting, slower portfolio growth, 7.0% delinquency rate vs 6.6% YoY
Risk Factors
- No material risk-factor changes from the 2025 Form 10-K, except the risk disclosed in the March 31, 2026 Form 10-Q
- Incremental financing risk from April 28, 2026 amendments to the Loan and Security Agreement and four securitization credit agreements
- Liquidity exposure from remaining $20,000,039 under the share-repurchase authorization through June 30, 2027
- Carried-forward business risk from additional unknown or currently immaterial risks potentially materially harming operating results
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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