olivLaw · US equity research
Regional Management Corp. RM
Personal Credit Institutions · SIC 6141 · Vertical: Personal Credit Institutions (SIC 6141)
Regional Management Corp. is a consumer finance company that makes fixed-rate installment loans mainly to customers with limited access to bank credit, operating through branches and digital channels. The business matters now because the company is trying to restart growth, scale its bank partnership and control costs, while its net credit loss rate has edged up in the latest quarter; annual revenue reached 645.6 million USD in 2025.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 04 Nov 2026, Regional Management Corp. (RM) stock was 39.50 USD (+1.86% on the day), with market capitalisation 353.4 m USD, P/E 8.0 on diluted EPS of 4.94 USD over the last 12 months, dividend yield 3.04%, beta 1.06, 52-week range 30.23–43.50 USD. Latest reported quarter (Q3 2026): revenue of 178.8 m USD (+8.0% YoY), net income of 15.1 m USD (+5.3% YoY), diluted EPS 1.61 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 74.4
- overbought (≥ 70)
- Bollinger (20, 2)
- 30.60 – 38.90
- above the upper band · %B 1.07 · band width 23.9%
- SMA 50 / 200
- 33.13 / 35.32
- mixed trend
- MACD (12, 26, 9)
- 1.41 / 0.77
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +20.5% | −2.0% | +22.5 pp | — |
| 3 months | +21.6% | −2.2% | +23.7 pp | — |
| 6 months | +13.0% | +4.3% | +8.7 pp | — |
| Year to date | +1.9% | +10.6% | −8.6 pp | — |
| 1 year | +0.2% | +10.5% | −10.3 pp | +7.2% |
| 3 years | +68.1% | +73.7% | −5.6 pp | +142.3% |
| 5 years | −33.6% | +61.7% | −95.3 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Sept 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 154.8 m | 153.0 m | 157.4 m | 165.5 m | 169.7 m | 167.3 m | 168.0 m | 178.8 m |
| Depreciation & amortisation | 3.6 m | 3.6 m | 3.9 m ≈ | 4.2 m ≈ | 4.5 m | 4.8 m | 4.9 m ≈ | 5.1 m ≈ |
| Pre-tax income | 12.8 m | 9.2 m | 13.5 m | 19.0 m | 16.2 m | 14.8 m | 10.6 m | 19.8 m |
| Income tax | 2.8 m | 2.2 m | 3.3 m | 4.6 m | 3.2 m | 3.4 m | 2.4 m | 4.7 m |
| Net income | 9.9 m | 7.0 m | 10.1 m | 14.4 m | 12.9 m | 11.4 m | 8.2 m | 15.1 m |
| Diluted EPS | 0.98 ≈ | 0.70 | 1.03 | 1.42 | 1.30 ≈ | 1.18 | 0.85 | 1.61 |
| Operating cash flow | 63.8 m | 63.7 m | 78.7 m ≈ | 86.7 m ≈ | 80.1 m | 81.0 m | 80.8 m ≈ | 82.5 m ≈ |
| Capex | 1.5 m | 1.3 m | 1.0 m ≈ | 1.0 m ≈ | 1.5 m | 1.1 m | 1.5 m ≈ | 831.0 k ≈ |
| Dividends paid | 2.9 m | 3.2 m | 2.8 m ≈ | 2.8 m ≈ | 2.7 m | 3.4 m | 2.7 m ≈ | 2.6 m ≈ |
| Share repurchases | — | 6.5 m | 5.0 m ≈ | 5.0 m ≈ | 7.5 m | 7.5 m | 5.1 m ≈ | 10.0 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 38 percentile of its own 40-quarter history (min 4.0, median 8.6, max 15.2; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 306.7 m | 355.7 m | 373.9 m | 428.4 m | 507.2 m | 551.4 m | 588.5 m | 645.6 m |
| Revenue YoY | +12.6% | +16.0% | +5.1% | +14.6% | +18.4% | +8.7% | +6.7% | +9.7% |
| Net income | 35.3 m | 44.7 m | 26.7 m | 88.7 m | 51.2 m | 16.0 m | 41.2 m | 44.4 m |
| Net income YoY | +18.0% | +26.6% | −40.2% | +231.8% | −42.2% | −68.8% | +158.3% | +7.7% |
| Diluted EPS | 2.93 | 3.80 | 2.40 | 8.33 | 5.30 | 1.66 | 4.14 | 4.45 |
| Diluted EPS YoY | +15.4% | +29.7% | −36.8% | +247.1% | −36.4% | −68.7% | +149.4% | +7.5% |
| net % | 11.5% | 12.6% | 7.1% | 20.7% | 10.1% | 2.9% | 7.0% | 6.9% |
| Free cash flow | 140.9 m | 152.4 m | 161.0 m | 185.4 m | 218.5 m | 244.5 m | 263.9 m | 304.3 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 98.0 m USD
- Financial debt
- 1.6 bn USD
- Net debt
- 1.5 bn USD
- Equity
- 373.1 m USD
- Total assets
- 2.1 bn USD
- Debt / equity
- 4.40x
- Current ratio
- unavailable
- ROE
- 12.2%
- ROA
- 2.2%
- FCF margin
- 47.1%
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 373.9 m | 428.4 m | 507.2 m | 551.4 m | 588.5 m | 645.6 m | SEC (XBRL)· 20 Feb 2026verified |
| Depreciation & amortisation | 13.3 m | 11.7 m | 12.7 m | 14.6 m | 14.1 m | 16.2 m | SEC (XBRL)· 20 Feb 2026verified |
| Interest expense | 37.9 m | 31.3 m | — | — | — | — | SEC (XBRL)· 04 Mar 2022verified |
| Pre-tax income | 35.9 m | 112.5 m | 65.3 m | 20.8 m | 54.1 m | 57.8 m | SEC (XBRL)· 20 Feb 2026verified |
| Income tax | 9.2 m | 23.8 m | 14.1 m | 4.8 m | 12.8 m | 13.4 m | SEC (XBRL)· 20 Feb 2026verified |
| Net income | 26.7 m | 88.7 m | 51.2 m | 16.0 m | 41.2 m | 44.4 m | SEC (XBRL)· 20 Feb 2026verified |
| Diluted EPS | 2.40 | 8.33 | 5.30 | 1.66 | 4.14 | 4.45 | SEC (XBRL)· 20 Feb 2026verified |
| Weighted average diluted shares | 11.1 m | 10.6 m | 9.7 m | 9.6 m | 10.0 m | 10.0 m | SEC (XBRL)· 20 Feb 2026verified |
| Dividend per share | 0.20 | 0.95 | 1.20 | 1.20 | 1.20 | 1.20 | SEC (XBRL)· 20 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 71.9 m | 149.2 m | 131.8 m | 128.7 m | 135.6 m | 98.0 m | SEC (XBRL)· 20 Feb 2026verified |
| Property, plant & equipment, net | 14.0 m | 12.9 m | 14.5 m | 13.8 m | 13.7 m | 13.2 m | SEC (XBRL)· 20 Feb 2026verified |
| Goodwill | 716.0 k | 716.0 k | 716.0 k | — | — | — | SEC (XBRL)· 24 Feb 2023verified |
| Intangibles (excl. goodwill) | 8.0 m | 8.8 m | 12.1 m | 15.8 m | 24.5 m | 31.8 m | SEC (XBRL)· 20 Feb 2026verified |
| Total assets | 1.1 bn | 1.5 bn | 1.7 bn | 1.8 bn | 1.9 bn | 2.1 bn | SEC (XBRL)· 20 Feb 2026verified |
| Long-term debt | 762.2 m | 1.1 bn | 1.3 bn | 1.4 bn | 1.5 bn | 1.6 bn | SEC (XBRL)· 20 Feb 2026verified |
| Total liabilities | 831.7 m | 1.2 bn | 1.4 bn | 1.5 bn | 1.6 bn | 1.7 bn | SEC (XBRL)· 20 Feb 2026verified |
| Equity | 272.1 m † | 282.7 m † | 308.6 m † | 322.3 m † | 357.1 m † | 373.1 m † | SEC (XBRL)· 20 Feb 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 165.0 m | 189.0 m | 224.3 m | 249.2 m | 268.9 m | 309.1 m | SEC (XBRL)· 20 Feb 2026verified |
| Capex | 3.9 m | 3.6 m | 5.9 m | 4.7 m | 5.1 m | 4.8 m | SEC (XBRL)· 20 Feb 2026verified |
| Free cash flow | 161.0 m ≈ | 185.4 m ≈ | 218.5 m ≈ | 244.5 m ≈ | 263.9 m ≈ | 304.3 m ≈ | SEC (XBRL)· 20 Feb 2026derived |
| Investing cash flow | -91.7 m | -355.1 m | -447.3 m | -278.7 m | -315.4 m | -471.2 m | SEC (XBRL)· 20 Feb 2026verified |
| Financing cash flow | -57.8 m | 243.4 m | 205.6 m | 26.4 m | 53.4 m | 124.5 m | SEC (XBRL)· 20 Feb 2026verified |
| Dividends paid | 2.2 m | 9.5 m | 11.4 m | 11.9 m | 12.1 m | 11.5 m | SEC (XBRL)· 20 Feb 2026verified |
| Share repurchases | 12.0 m | 67.4 m | 20.6 m | — | 3.5 m | 24.0 m | SEC (XBRL)· 20 Feb 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- score weight coverage: 58.3% of at least 60%
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 353.4 m USD
Key indicators
Coverage and freshness
Score by group
58% · Insufficient data
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 57.79 – 76.63 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)unavailable · the reported interest expense is far older than the latest period (the filer changed its XBRL tag): a stale figure is not used
- Peers: EV/EBITDAunavailable · input data missing
- Peers: P/E57.79 – 76.63 (Mid 65.44)8 companies used · median multiple 13.2x · quartiles 11.7x – 15.5xAFRM, ATLC, BFH, CACC, ENVA, HAPN, NNI, WRLD
- Dividend discount (DDM)outside the aggregate15.77 – 21.21 (Mid 18.09)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Insufficient data
Minimum-evidence gate: score weight coverage: 58.3% of at least 60%
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | unavailable | unavailable | — |
| Net margin · Quality | 7.0% | 40 (vs peers) | 11% |
| FCF conversion · Quality | 671.6% | 100 (on a fixed band) | 11% |
| Revenue CAGR 3Y · Growth | 8.4% | 70 (on a fixed band) | 14% |
| EPS CAGR 3Y · Growth | -5.7% | 0 (on a fixed band) | 14% |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | unavailable | unavailable | — |
| Current ratio · Balance sheet | unavailable | unavailable | — |
| P/E (TTM) · Valuation | 8.0x | 100 (vs peers) | 18% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | 90.4% | 100 (on a fixed band) | 14% |
| Shareholder yield (distributions) · Returns | 11.8% | 100 (on a fixed band) | 11% |
| Payout ratio (FCF) · Returns | 3.6% | 100 (on a fixed band) | 7% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partialunavailable · 0/3 factors with a value
- Growth35/100 · 2/2 factors with a value
- Quality70/100 · 2/3 factors with a value
- Returns100/100 · 2/2 factors with a value
- Valuation100/100 · 2/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
Regional Management Corp. (RM). Latest full fiscal year: 2025; data up to 2026-09-30.
Figures computed from the financial statements: revenue 645.6 m USD in 2025; YoY growth 9.7%; net margin 7.0%; ROE 12.6%.
The estimated value range is 57.79–76.63 USD per share (median of 1 methods, agreement: single method); assumptions are illustrative. Against the central value of 65.44 USD, the price of 39.50 USD leaves a potential of 65.7% (value / price − 1) and a margin of safety of 39.6% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
Insufficient data for a verdict (score weight coverage: 58.3% of at least 60%).
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- FCF conversion: 671.6%
- P/E (TTM): 8.0x
- FCF yield: 90.4%
- Shareholder yield (distributions): 11.8%
- Payout ratio (FCF): 3.6%
- The price is below the estimated value range
What contradicts it
- EPS CAGR 3Y: -5.7%
Not assessed (insufficient data or a ratio without meaning): ROIC, Net debt / EBITDA, Interest coverage, Current ratio, EV/EBITDA.
Versus the vertical median
Personal Credit Institutions (SIC 6141) · same industry (4-digit SIC) · compared with 8 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| CACCCredit Acceptance Corp | 5.1 bn | 16.3 | 22.7% | 14.4% | +7.2% | +8% / +9% |
| AFRMAffirm Holdings, Inc. | 4.5 bn | 13.7 | 45.1% | 45.3% | +32.2% | +7% / +120% |
| ENVAEnova International, Inc. | 4.4 bn | 12.5 | 26.8% | 10.5% | +18.6% | +38% / +340% |
| BFHBread Financial Holdings, Inc. | 4.0 bn | 8.3 | 15.9% | — | −19.0% | +55% / +273% |
| HAPNHappen, Inc. | 1.9 bn | 9.3 | 13.8% | — | −58.5% | −8% / +165% |
| ATLCAtlanticus Holdings Corp | 1.5 bn | 12.8 | 24.3% | 5.8% | +50.1% | +69% / +223% |
| WRLDWorld Acceptance Corp | 751.2 m | 19.4 | 9.9% | 6.6% | +3.7% | +4% / +45% |
| RMRegional Management Corp. | 353.4 m | 8.0 | 12.6% | 7.0% | +9.7% | +0% / +68% |
| NNINelnet, Inc. | — | 15.3 | 8.2% | — | unavailable | −1% / +52% |
1- and 3-year price returns: for RM from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 26.11 Total return -31% · Per year -31% | 46.09 Total return 20% · Per year 20% | 69.30 Total return 80% · Per year 80% |
| 3 years | 27.36 Total return -23% · Per year -8% | 54.13 Total return 49% · Per year 14% | 89.08 Total return 140% · Per year 34% |
| 5 years | 28.66 Total return -13% · Per year -3% | 63.58 Total return 82% · Per year 13% | 114.51 Total return 218% · Per year 26% |
- Exit P/E± 13.53
- Net margin± 9.47
- Annual revenue growth± 7.50
- Annual dilution± 0.80
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 31 Jul 2026; since then the company filed 10-Q (30 Oct 2026), 8-K (28 Oct 2026 · results).
In brief
Regional Management Corp. is a consumer finance company that makes fixed-rate installment loans mainly to customers with limited access to bank credit, operating through branches and digital channels. The business matters now because the company is trying to restart growth, scale its bank partnership and control costs, while its net credit loss rate has edged up in the latest quarter 3; annual revenue reached 645.6 million USD in 2025 1.
SWOT
Strengths
- An omni-channel model with a broad branch network that allows frequent contact with customers and local loan servicing 1.
- Diversified products with fixed rates and clear terms that customers find easy to understand and that allow them to move to larger loans 1.
- A diversified funding structure with a high share of fixed-rate debt and sizable undrawn revolving capacity 23.
Weaknesses
- Loss rates are structurally high because of the customer base and rose in the latest quarter 3.
- Portfolio growth was below the company's expectations in the second quarter, and quarterly net income fell year over year 3.
- Geographic concentration of the portfolio in a limited number of states makes the company sensitive to local regulatory changes 1.
Opportunities
- The bank partnership could widen reach and improve margins if the program expands as planned 3.
- Auto-secured loans with lower delinquency could support revenue growth if their share keeps rising 3.
- Expansion into new states and the digital launch could add customers without a proportional rise in operating costs 23.
Threats
- A weaker economy could raise delinquencies among non-prime borrowers and lead to larger losses 1.
- Federal or state regulatory changes, including limits on direct-mail convenience checks, could narrow acquisition channels 1.
- Digital competition could reduce origination volumes if the company fails to keep its cost and service advantages 3.
Risks
- Credit riskhigh
The customer base is largely non-prime and more sensitive to economic change. A deterioration in economic conditions could lead to higher credit losses than expected 1.
- Regulationhigh
The business is strictly regulated and subject to frequent changes at state and federal level. Restrictions on convenience checks or requirements for new licenses could limit growth 1.
- Expansion strategymedium
Opening branches and entering new states depend on licenses, staffing and financing. If these conditions are not met, growth could slow 1.
- Dependence on the bank partnershipmedium
The lending model through the partner bank is new and still scaling. Operational or regulatory problems could affect the plans for 2027 3.
- Technology and data dependencemedium
The company relies on information systems, third-party providers and analytics models. Outages or model errors could affect credit decisions 1.
Investment thesis
What would need to be true (bull case)
- If the bank partnership expands as planned, loan economics could improve meaningfully in 2027 3.
- The portfolio is shifting toward large and auto-secured loans, which carry a better risk profile and lower delinquency 13.
- Lower operating costs and the digital launch could support margins even if volume grows more slowly 3.
What would break the thesis
- Quarterly net income fell year over year and the loss rate rose, which could signal persistent pressure on margins 3.
- Customer acquisition has tightened and origination volumes dipped slightly, which could slow portfolio growth 3.
- The business depends on a higher-risk customer segment, and a recession could quickly weaken portfolio quality 1.
What to watch
- Trend in the net credit loss rate and 30+ day delinquenciesQ3 2026
- Extension of the bank partnership to additional states and Texas results2027
- Portfolio growth and origination volume after the slowdown in the second quarterQ3 2026
- Results of the end-to-end digital lending capability launched in July 2026next 10-Q
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 31 Jul 2026; since then the company filed 10-Q (30 Oct 2026), 8-K (28 Oct 2026 · results).
The business
Regional Management offers large (from 2,501 to 35,000 USD) and small (from 500 to 2,500 USD) installment loans, most of them secured, with fixed rates and fixed terms 1. The products are sold through an omni-channel model in which branches are the main point of contact with the customer, and nearly all loans are serviced through the branch network 1. The company had 353 branches in 19 states at year-end 2025 and entered Florida in May 2026 12.
Besides interest and fees on loans, the company earns revenue from optional payment and collateral protection insurance, which makes up a smaller part of revenue 1. Strategy emphasizes growing large loans and auto-secured loans, which carry a better risk profile 13. The company has also launched a bank partnership with a national bank, which is expected to extend its lending model to most of its branch network by the end of 2027 3.
Customers typically have less-than-perfect credit profiles and are considered subprime, non-prime or near-prime, which is why rates are higher than at traditional banks 1. The company reports customer payment history to credit bureaus, which may over time help customers access other credit products 1.
Market context
Trends
- Bank partnershiptailwind
The program with the national bank Column N.A. has been fully implemented in Texas, the company's largest state, and early results are described as very promising 3. If the program reaches most branches by the end of 2027 as planned, it could improve loan economics and access to new states 3.
- Competition for customersheadwind
The company says customer acquisition has become more competitive, which weighed on origination volumes in the second quarter 3. This pressure could limit portfolio growth if it persists 3.
- Credit costsmixed
The net credit loss rate rose modestly from a year earlier, partly because portfolio growth was slower 3. Delinquencies were higher year over year, although they improved from the prior quarter 3.
- Operating efficiency and digitaltailwind
The operating expense ratio improved, and the company launched an end-to-end digital lending capability in July 2026 3. Investments in analytics and artificial intelligence could lower costs over time, though they take time to mature 3.
Competitive position
The company differentiates itself from monoline lenders through product variety and its branch network, but it competes with digital fintech lenders and other consumer finance firms serving similar customers 13. The company has said the competitive environment for customer acquisition tightened in 2026 3.
Cheaper credit alternatives such as banks and credit cards are available mainly to customers with better profiles, which limits direct pressure on the target segment but does not remove it 1. Payday, pawn and title loans are, according to the company, the most relevant alternatives, with much higher APRs 1.
- Digital personal credit fintechs
Online lenders competing for the same customers; the company says its digital launch is aimed at staying competitive with them 3.
- Payday, pawn and title lenders
Higher-cost alternatives that customers may use when they cannot get conventional credit; the company contrasts its own products with them 1.
- Banks and credit card issuers
Main credit source for customers with better profiles, which the company says it cannot serve; they are also where improving customers may eventually go 1.
- Other non-bank consumer lenders
Firms running similar branch models in states where the company operates; the company notes more intense competition in expansion areas 13.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
- Regional management organizations help residents take lead in their communitiesThe Japan Times · 07 Oct 2026 · EN
The latest news item in our archive is from 07 Oct 2026; the newest SEC filing is from 30 Oct 2026. The press archive comes from the RSS feeds we follow and does not necessarily cover the latest event — the filings alongside do.
SEC filings
- Quarterly report30 Oct 2026
- Current report28 Oct 2026Results of operations · Departure or appointment of officers · Other events · Financial statements and exhibits
- Current report16 Sept 2026Regulation FD disclosure · Financial statements and exhibits
- Quarterly report31 Jul 2026
- Current report29 Jul 2026Results of operations · Other events · Financial statements and exhibits
- Current report19 May 2026Departure or appointment of officers · Shareholder vote · Financial statements and exhibits
- Current report04 May 2026Material agreement · Financial statements and exhibits
- Quarterly report01 May 2026
- Current report29 Apr 2026Results of operations · Other events · Financial statements and exhibits
- Proxy statement09 Apr 2026
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Regional Management Corp. · 20 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Regional Management Corp. · 31 Jul 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Regional Management Corp. · 29 Jul 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.