RM

EX-99.1

2 rm-ex99_1.htm

EX-99.1

EX-99.1

Exhibit 99.1

Regional Management Corp. Announces Third Quarter 2026 Results

- Net income of $15.1 million and diluted earnings per share of $1.61, up 5.3% and 13.4% year-over-year, respectively -

- Year-to-date net income and diluted earnings per share up 10.0% and 15.2% year- over-year, respectively -

- Record total revenue of $178.8 million, up 8.0% year-over-year, on portfolio growth and bank partnership fee income -

- Annualized operating expense ratio improved 20 basis points year-over-year -

Greenville, South Carolina – October 28, 2026 – Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the third quarter ended September 30, 2026.

“Our third quarter results reflect steady execution against the priorities we outlined in July,” said Lakhbir S. Lamba, President and Chief Executive Officer of Regional Management Corp. “We grew the portfolio in line with our expectations, generated record revenue supported by fee income from our bank partnership, and earned net income of $15.1 million, or $1.61 per diluted share, while maintaining disciplined expense management.”

“Our net credit loss rate for the third quarter of 2026 was 10.9%, a seasonal improvement of 130 basis points sequentially and up 70 basis points from the prior-year period,” continued Mr. Lamba. “We have identified the drivers of the year-over-year increase and have actions in place against each. We tightened underwriting in the segments that underperformed and began implementing enhanced fraud controls across all channels. In the fourth quarter, we will also complete the rollout of our new proprietary origination scorecard, and Liz Canini will join us in early November as Chief Credit Risk Officer to lead our credit organization.”

“Our bank partnership is becoming central to how we compete,” added Mr. Lamba. “Since we last reported, we have extended the program to three additional states, and we continue to expand it across our footprint. The partnership allows us to further refine our pricing strategy to support growth, credit performance, and attractive risk-adjusted returns over time. Together with disciplined underwriting and our investments in talent, technology, and data, it positions Regional for more consistent growth and higher returns, including strong growth on our bottom line in 2027.”

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Third Quarter 2026 Highlights

• Net income for the third quarter of 2026 was $15.1 million and diluted earnings per share was $1.61, up 5.3% and 13.4% year-over-year, respectively.

• Net finance receivables as of September 30, 2026 were $2.2 billion, an increase of $156.9 million, or 7.6%, from the prior-year period and $61.7 million from June 30, 2026, driven by growth in large loans, including auto-secured loans, and 14 new branches opened since September 30, 2025.

o Total originations of $530.3 million increased 5.3% sequentially and 1.5% from the prior-year period. Large loan originations increased 11.8% from the prior-year period, while small loan originations decreased 21.9%, reflecting tighter underwriting in higher-risk segments.

o Large loan net finance receivables of $1.7 billion increased $229.9 million, or 15.2%, from the prior-year period and represented 78.8% of the total loan portfolio, compared to 73.7% in the prior-year period.

▪ Auto-secured net finance receivables of $345.0 million increased $69.5 million, or 25.2%, from the prior-year period and represented 15.6% of the total loan portfolio, compared to 13.4% in the prior-year period.

o Small loan net finance receivables of $467.9 million decreased $73.0 million, or 13.5%, from the prior-year period and represented 21.2% of the total loan portfolio, compared to 26.3% in the prior-year period.

• Record quarterly total revenue of $178.8 million, an increase of $13.3 million, or 8.0%, from the prior-year period, primarily due to growth in average net finance receivables and an increase in fee income from bank partnership originations.

o Total revenue yield (annualized total revenue as a percentage of average net finance receivables) for the third quarter of 2026 was 32.9%, increasing 110 basis points sequentially, driven by fee income from bank partnership originations and seasonality. Total revenue yield decreased 20 basis points from the prior-year period, as lower interest and fee yield and lower insurance income were largely offset by approximately 120 basis points of fee income from bank partnership originations.

o Interest and fee yield (annualized interest and fee income as a percentage of average net finance receivables) for the third quarter of 2026 was 28.7%, compared to 29.7% in the prior-year period, a decrease of 100 basis points primarily due to product mix shift toward larger and auto-secured loans, which carry lower yields

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and lower loss rates, as well as pricing changes and the impact of higher credit losses on revenue.

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EX-99.1

2 rm-ex99_1.htm

EX-99.1

EX-99.1

Exhibit 99.1

Regional Management Corp. Announces First Quarter 2026 Results

- Net income of $11.4 million and diluted earnings per share of $1.18, up 63% and 69% year-over-year, respectively -

- Originations of $388.0 million and 11.3% year-over-year portfolio growth drive record first quarter revenue -

- Annualized operating expense ratio of 12.2%, an all-time best and an improvement of 180 basis points year-over-year -

Greenville, South Carolina – April 29, 2026 – Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the first quarter ended March 31, 2026.

“We delivered a strong start to 2026, with solid financial results, continued year-over-year portfolio growth, and further improvement in operating efficiency,” said Lakhbir S. Lamba, President and Chief Executive Officer of Regional Management Corp. “First quarter diluted EPS increased 69% year-over-year, driven by disciplined execution, stable credit performance, and the scalability of our operating model.”

“We continue to make good progress on our strategic priorities, including expanding our auto-secured portfolio, entering new markets, and advancing our bank partnership with Column,” added Mr. Lamba. “Early results from the partnership are encouraging, and we believe it will enhance our ability to grow the business, broaden our product offerings, and improve risk-adjusted returns over time.”

“Looking ahead, we remain focused on responsible portfolio growth, improving credit performance, and driving operating leverage,” continued Mr. Lamba. “We are confident in our outlook for 2026 and our ability to deliver sustainable, profitable growth and increasing returns for our shareholders.”

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First Quarter 2026 Highlights

• Net income for the first quarter of 2026 was $11.4 million and diluted earnings per share was $1.18, up 62.7% and 68.6% year-over-year, respectively.

• Net finance receivables as of March 31, 2026 were $2.1 billion, an improvement of $213.7 million, or 11.3%, from the prior-year period, driven by strong performance from large loans, including demand for auto-secured products, and 10 new branches opened since March 31, 2025.

o Total originations of $388.0 million, down 1.1% from the prior-year period, due to a stronger tax refund season and disciplined underwriting.

o Large loan net finance receivables of $1.6 billion increased $245.7 million, or 18.3%, from the prior-year period and represented 75.6% of the total loan portfolio, compared to 71.2% in the prior-year period.

▪ Auto-secured net finance receivables of $301.3 million increased $82.6 million, or 37.7%, from the prior-year period and represented 14.3% of the total loan portfolio, compared to 11.6% in the prior-year period.

o Small loan net finance receivables of $512.5 million decreased $32.1 million, or 5.9%, from the prior-year period and represented 24.4% of the total loan portfolio, compared to 28.8% in the prior-year period.

• Record first quarter total revenue of $167.3 million, an increase of $14.3 million, or 9.4%, from the prior-year period, primarily due to growth in average net finance receivables.

o Total revenue yield (annualized total revenue as a percentage of average net finance receivables) for the first quarter of 2026 was 31.5%, compared to 32.4% in the prior-year period, a decrease of 90 basis points primarily due to product mix shift.

o Interest and fee yield (annualized interest and fee income as a percentage of average net finance receivables) decreased 60 basis points from the prior-year period primarily due to product mix shift.

• Provision for credit losses for the first quarter of 2026 was $64.9 million, an increase of $6.9 million, or 11.9%, from the prior-year period, driven by portfolio growth.

o The net credit loss rate (annualized net credit losses as a percentage of average net finance receivables) for the first quarter of 2026 was 12.5%, a 10 basis point increase compared to 12.4% in the prior-year period. Higher portfolio liquidation

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in the first quarter of 2026 compared to the prior-year period impacted the net credit loss rate by 10 basis points.

o The provision for credit losses for the first quarter of 2026 included a sequential reserve decrease of $1.4 million due to seasonal portfolio liquidation occurring during the first quarter of 2026.

o The allowance for credit losses was $219.5 million as of March 31, 2026, or 10.4% of net finance receivables, a 10 basis point increase sequentially, reflecting updates to macroeconomic assumptions.

• As of March 31, 2026, 30+ day contractual delinquencies totaled $150.9 million, or 7.2% of net finance receivables, a 30 basis point improvement sequentially due to seasonality and a 10 basis point increase from the prior-year period. Higher portfolio liquidation in the first quarter of 2026 compared to the prior-year period impacted the delinquency rate by 10 basis point