Regional Management Q4 Earnings: Net Income Up 33%, Originations Reach Record High

Regional Management reported Q4 net income of $12.9 million, up 33% YoY, and full-year net income of $44.4 million, up 8%. The company's loan portfolio reached $2.1 billion, with originations totaling $537 million, a 13% YoY increase. The 30-plus day delinquency rate improved to 7.5%, and the adjusted annualized net credit loss rate improved 30 basis points for the quarter. The board declared a 30¢ per share dividend for Q1, and management projects at least 10% ending net receivables growth and 20%-25% net income growth for 2026.