Regional Management Corp. · NYSE:RM
Regional Management — Investor Presentation (February 2026)
33 slides from Regional Management's investor presentation, Feb 20, 2026
Slide 1: Regional Management Corp. February 2026
REGIONAL 3 CHR ENT NYSE Togas 2026 February 2026
Slide 2: Legal Disclosures
Legal Disclosures This document contains summarized information concerning Regional Management Corp. (the “Company”) and the Company’s business, operations, financial performance, and trends. No representation is made that the information in this document is complete. For additional financial, stati
Slide 3: Company Overview
Company Overview
Slide 4: Company Overview
Legacy states States entered since 2021 Company Overview Potential future state expansion Geographic footprint and net finance receivables as of 12/31/2025 Founded 1987 NYSE Listed: RM 353 branches 19 states Total receivables of $2.1 billion Multi-channel marketing: branches, digital, and direct mai
Slide 5: Growth Strategy
Growth Strategy Geographic Expansion Accelerated Innovation Product and Channel Expansion Identified states with favorable economics for expansion Continue to identify opportunities to optimize branch network within existing footprint Continue to drive efficiencies leveraging centralized origination
Slide 6: Investment Highlights
Investment Highlights Strong balance sheet supports capital returns Geographic, product, and channel expansion drive growth Omni-channel growth strategy with abundant market opportunity Responsible growth with stable credit using advanced credit tools Modern infrastructure and digital capabilities D
Slide 7: Key Financial Results
Key Financial Results In millions Responsible and profitable growth in the portfolio State expansion, product development, and digital affiliate initiatives have driven solid growth Efficiency improvement driven by innovation and disciplined expense management Strong execution resulting in continuou
Slide 8: Abundant Total Addressable Market
Abundant Total Addressable Market Approximately 80 million Americans generally align with Regional’s customer base (1)(3) $99 billion market opportunity – RM has ~2% market share and increased our addressable market by over 80% since 2020; still significant runway for growth $4.7 Trillion Consumer F
Slide 9: Serving Our Customers Best
Serving Our Customers Best Excellent net promoter score of 58(1) 84% of customers would apply to Regional Finance first the next time they need a loan(1) ~90% favorable ratings for key attributes(1): Loan process was quick, easy, and understandable People are professional, responsive, respectful, kn
Slide 10: Product Offerings and Multi-Channel Acquisition
Product Offerings Multi-Channel Acquisition Small Loans In Branch $1.2B Originated 74% Large/26% Small Direct Mail $513.8MM Originated Convenience Check Loans Digitally Sourced $249.5MM Originated Digital Lead Generation Partnership Affiliates Customer Need Short-term cash needs Bill payment Back-to
Slide 11: Quarterly Originations & Portfolio Growth
Quarterly Originations & Portfolio Growth Record total originations in 4Q 25, driven by strong performance from digital leads, demand for auto-secured product, and 17 new branches opened since 4Q 24 Achieved 13.1% YoY portfolio growth from new branch openings and from growth in high-quality auto-sec
Slide 12: Funding
Funding
Slide 13: Diversified Liquidity Profile
Diversified Liquidity Profile Long history of liquidity support from a strong group of banking partners Diversified funding platform with a senior revolving facility, warehouse facilities, and securitizations Debt balance as of 12/31/2025
Slide 14: Strength of Sponsor and Seasoned Securitization Program
Strength of Sponsor Regional has been in business since 1987 and has effectively managed numerous economic and business cycles Deep management and board experience in consumer finance industry Profitable every fiscal year since IPO in 2012 Seasoned Program Regional has successfully completed 13 secu
Slide 15: Recent ABS Issuances Reinvestment Criteria
Recent ABS Issuances Reinvestment Criteria 2025-2 2025-1 2024-2 2024-1 2022-1 2021-2 Top 3 States 70.00% 70.00% 70.00% 70.00% 80.00% 80.00% Top State 40.00% 40.00% 40.00% 40.00% 45.00% 45.00% Top State (excluding Top 3) 10.00% 10.00% 10.00% 10.00% 15.00% 15.00% Minimum Weighted Average Coupon 29.00%
Slide 16: Governance & Controls
Governance & Controls
Slide 17: Public Company Discipline and Transparency
Public Company Discipline and Transparency Full Transparency – Public SEC Filings and Disclosures Internal Controls – SOX controls in place since 2013 External Audits – Deloitte & Touche LLP Compliance – Team of 19, led by Chief Compliance Officer Enterprise Risk Management – Identifies and manages
Slide 18: Deep Management Experience
Lakhbir Lamba President and Chief Executive Officer Harp Rana Chief Financial and Administrative Officer Manish Parmar Chief Credit Risk Officer Joseph Manavalan Chief Technology and Digital Officer Chris Peterson Chief Data and Analytics Officer Brian Fisher Chief Strategy and Development Officer C
Slide 19: Strong Corporate Governance and Diverse Board of Directors
Strong Corporate Governance and Diverse Board of Directors Board of Directors (Non-Employee Directors)
Slide 20: Robust Procedures and Controls
Robust Procedures and Controls Oversight Collateral All borrowers must provide collateral Secured by titled assets (hard secured) or personal property (soft secured) Verifications Identity Employment Income Credit Scoring Diverse data attributes Review of credit bureau information Implementation of
Slide 21: Compliance and Audit
Compliance and Audit Internal Audit Operates under a board-approved plan Regularly review loan originations and servicing records Review internal policies and procedures to ensure compliance Branch and Central Employees Annual compliance trainings and re-certification Strong culture of compliance De
Slide 22: Loss Mitigation Tools
Loss Mitigation Tools Programs are designed to help qualified customers navigate through short- and medium-term cash flow issues and to reduce overall loss in the portfolio Payment Deferral Used for customers with temporary hardships Allows customer to defer their monthly payment which solves immedi
Slide 23: Credit Performance
Credit Performance
Slide 24: Origination Metrics by Product
Origination Metrics by Product (Less than or equal to 36% APR loans) FICO Original Term APR Original Loan Balance Original term and loan balance increased due to the continued focus on auto-secured loans
Slide 25: Portfolio Credit Metrics
Portfolio Credit Metrics (Less than or equal to 36% APR loans) 4Q 25 delinquency rate improved 20 bps YoY 4Q 25 allowance for credit losses of $174.4MM was 145% of 30+ delinquency of $119.9MM, providing strong coverage of delinquent loans 4Q 25 net credit loss rate improved 30 bps YoY from credit ti
Slide 26: Net Loss Curves
Net Loss Curves (Less than or equal to 36% APR loans) (1) 2019, 2020, and 2021 vintages were favorably impacted by government stimulus Note: Data as of 12/31/2025 2023 and 2024 vintages are performing well due to credit tightening and effective portfolio management 2022 vintage had elevated yet mana
Slide 27: Consistent Credit Performance for Rule 144A Transactions
(1) Consistent Credit Performance for Rule 144a Transactions (1) Increase for RMITs 2024-1, 2024-2, and 2025-1 were due to normal seasoning of the collateral pools Note - RMIT 2025-2 was excluded due to its unseasoned pool Note - Credit performance for ABS transactions reflects results for active tr
Slide 28: Payment Channel Mix
Payment Channel Mix (Less than or equal to 36% APR loans) Significant reduction in cash and check payments in branch 83% of payments received by RM are currently made electronically (ACH and Debit)
Slide 29: Appendix
Appendix CREGISNAR 29
Slide 30: Consolidated Income Statements
Consolidated Income Statements 30
Slide 31: Consolidated Balance Sheets
Consolidated Balance Sheets 31
Slide 32: Glossary
Glossary APR – annual percentage rate Bps – basis points Delinquency rate (DQ %) – delinquent loans outstanding as a percentage of ending net finance receivables Efficiency ratio – general and administrative expenses as a percentage of total revenue EPS – earnings per share Net credit loss rate (NCL
Slide 33: EREGIONAL =: a
EREGIONAL =: a MANAGEMENT nyse
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