How did RM's revenue and expenses shift in Q4 2024?

Regional Management (RM) Corporation's revenue and expenses in Q4 2024 showed a notable shift, with a significant focus on interest and fee income, insurance income, and other income sources.

1. **Revenue Shift**:
- RM's revenue was primarily driven by interest and fee income, totaling $528.89 million.
- Insurance income contributed another $40.7 million, while other income accounted for $18.91 million and $14.12 million, respectively.
2. **Expense Shift**:
- RM's expenses were not explicitly detailed in the provided data, but the available information highlights the importance of interest and fee income in revenue generation.
- The absence of segment-specific expense data makes it challenging to directly analyze expense shifts. However, the emphasis on interest and fee income suggests that RM's expenses may have been managed effectively to support this core revenue stream.

In conclusion, RM's Q4 2024 financial performance was characterized by a strong reliance on interest and fee income, with insurance and other income sources providing additional revenue. The lack of detailed expense data prevents a comprehensive analysis of expense shifts, but the company's focus on revenue generation indicates effective cost management may have been in place.