Regional Management Corp.

Regional Management Corp. (NYSE: RM) operates as a diversified consumer finance company serving customers with limited access to traditional credit through its Regional Finance brand. The company maintains a website at regionalmanagement.com and operates 353 branches across 19 states, serving approximately 590,800 active customer accounts as of December 31, 2025.

The company's core business centers on providing installment loan products structured as fixed-rate, fixed-term loans with fully amortizing equal monthly installment payments. Regional Management offers two primary loan products: large installment loans ranging from $2,501 to $35,000 with terms between 18 and 60 months, and small installment loans ranging from $500 to $2,500 with terms up to 48 months. Most loans are secured by non-essential household goods and vehicles. As of year-end 2025, the company held 289,300 large loans representing $1.6 billion in finance receivables and 301,500 small loans representing $547.0 million in finance receivables. The company complements its lending operations with optional payment and collateral protection insurance products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance.

Regional Management's business model emphasizes an integrated branch network serving as the foundation of its omni-channel platform, which includes direct mail campaigns, digital partners, and a consumer website. Approximately 74 percent of loan originations in 2025 were facilitated through branch locations, with nearly all loans serviced through the branch network regardless of origination channel. This frequent in-person contact model aims to improve credit performance and customer loyalty while enabling relationship-driven lending.

The company generated total revenue of $645.6 million in 2025, with interest and fee income from large loans contributing $382.9 million, small loans contributing $196.0 million, and insurance income contributing $45.6 million. Regional Management employs 2,112 team members across its operations and has demonstrated organic growth, expanding total finance receivables from $1.1 billion in 2020 to $2.1 billion by 2025. The company targets customers typically classified as subprime, non-prime, or near-prime consumers who lack access to prime financing from traditional lenders.