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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.”

1

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

2

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

8-K

0001519401false00015194012026-02-042026-02-04

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 4, 2026

Regional Management Corp. (Exact name of registrant as specified in its charter)

Delaware

001-35477

57-0847115

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

979 Batesville Road, Suite B Greer, South Carolina 29651 (Address of principal executive offices) (zip code) (864) 448-7000 (Registrant’s telephone number, including area code) Not Applicable (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol

Name of Each Exchange on Which Registered

Common Stock, $0.10 par value

RM

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On February 4, 2026, Regional Management Corp. (the “Company”) issued a press release announcing financial results for the three and twelve months ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. On February 4, 2026, the Company will host a conference call to discuss financial results for the three and twelve months ended December 31, 2025. A copy of the presentation to be used during the conference call is attached hereto as Exhibit 99.2 and is incorporated herein by reference. All information in the press release and the presentation is furnished under Item 2.02 of Form 8-K, “Results of Operations and Financial Condition,” and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 8.01. Other Events. On February 4, 2026, the Company also announced that its Board of Directors has declared a quarterly cash dividend of $0.30 per share of outstanding common stock, payable on March 12, 2026 to stockholders of record as of the close of business on February 19, 2026. Item 9.01. Financial Statements and Exhibits. (d) Exhibits.

Exhibit No.

Description

99.1

Press Release issued by Regional Management Corp. on February 4, 2026, announcing financial results for Regional Management Corp. for the three and twelve months ended December 31, 2025.

99.2

Presentation of Regional Management Corp., dated February 4, 2026.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Regional Management Corp.

Date: February 4, 2026

By:

/s/ Harpreet Rana

Name:

Harpreet Rana

Title:

Executive Vice President and Chief Financial and Administrative Officer