RM Overview

Employment Inducement Awards: Regional Management Corp. has granted employment inducement awards to Lakhbir S. Lamba, the new President and CEO, including restricted stock awards totaling $1.6 million, to incentivize his employment.

Vesting Schedule: The restricted stock awards will vest in equal installments over three years, while a performance-based award will vest based on specific criteria by December 31, 2028.

Company Overview: Regional Management Corp. is a diversified consumer finance company providing installment loans primarily to customers with limited access to traditional credit, operating under the name "Regional Finance" across 19 states.

Forward-Looking Statements: The press release includes forward-looking statements regarding the company's future performance and risks, emphasizing that actual results may differ due to various uncertainties and factors affecting the business.

Earnings Report Announcement: Regional Management Corp. will report its third quarter 2025 results on November 5, 2025, after market close, followed by a conference call at 5:00 PM ET.

Access to Conference Call: The conference call will be accessible via a live webcast on the company's website, with a replay available for one year; dial-in numbers are provided for participants.

Company Overview: Regional Management Corp. is a diversified consumer finance company offering installment loan products primarily to customers with limited access to traditional credit sources.

Loan Product Features: The company's loans are mostly secured, fixed-rate, and fixed-term, allowing for penalty-free early repayment, and are sourced through various channels including branches and digital platforms.

Strong Financial Performance: Regional Management reported Q2 2025 GAAP earnings per share of $1.03, surpassing analyst expectations by 43.1%, with revenue rising 10.1% year-over-year to $157.4 million, driven by record loan originations and improved credit quality metrics.

Strategic Growth Initiatives: The company plans to open 5 to 10 new branches in various geographic markets while maintaining a focus on disciplined credit risk management and expense control, aiming for at least 10% annual portfolio growth for FY2025.