Regional Management Corp. · NYSE:RM
Regional Management — Investor Presentation (November 2025)
25 slides from Regional Management's investor presentation, Nov 17, 2025
Slide 1: Investor Presentation November 18th, 2025
Investor Presentation November 18th, 2025
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 Founded 1987 NYSE Listed: RM 349 branches 19 states Total receivables of $2.1 billion Multi-channel marketing: branches, digital, and direct mail Legacy States (prior to 2021) 2021 New States (IL, UT) 2022 New States (MS, IN, CA, LA) Potential Future State Expansion Geographic footp
Slide 4: Abundant Total Addressable Market
Abundant Total Addressable Market Approximately 79 million Americans generally align with Regional’s customer base (1)(3) $95 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 5: Serving Our Customers Best
Serving Our Customers Best Excellent net promoter score of 61(1) 91% 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 6: Multi-Channel Acquisition
Multi-Channel Acquisition Small Loans Large Loans In Branch $1.2B Originated 73% Large/27% Small Direct Mail $506.5MM Originated Convenience Check Loans Digital $240.8MM Originated Digital Lead Generation Partnership Affiliates Customer Need Short-term cash needs Bill payment Back-to-school expenses
Slide 7: Long-Term, Sustainable, and Profitable Growth
Long-Term, Sustainable, and Profitable Growth 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 scale using centr
Slide 8: Strategic Imperatives
Strategic Imperatives Maximize returns from loan portfolio Continued barbell strategy of growth in higher-quality, auto-secured loans and higher-margin small loans Optimize revenue yields through pricing, state and product mix, and improving credit performance Investment in data and analytics and im
Slide 9: Growth and Capabilities
Growth and Capabilities Technology Hybrid Cloud Strategy: Leveraging top platforms for scalability, resilience, and cost efficiency Modern Data Platforms: Secure, centralized foundation for enterprise analytics, AI, and real-time insights Modern Applications: Transitioning to microservices for loan
Slide 10: Excess Capital Consistently Returned to Stockholders
Excess Capital Consistently Returned to Stockholders Capital Performance Since 2020 $205MM total capital increase $178MM returned to stockholders $382MM capital generated 12.9% CAGR 21.4% ratio of capital generation to average stockholders’ equity Proven track record of excess capital generation all
Slide 11: Key Financial Results
Key Financial Results In millions Net Income in millions Continued growth in account base and portfolio in controlled and profitable manner 3Q 25 YTD total revenue growth outpaced G&A expense growth by 4.2x from the prior-year period Enhanced prequalification capabilities and tighter integration wit
Slide 12: 3Q Highlights
3Q 25 Highlights 585,400 Customer Accounts Up 5.0% YoY $2.1B ENR Milestone Achieved $93MM sequential growth and $233MM YoY $522MM Origination Volume Up $96MM, or 22.5% YoY $5.9MM ENR per Branch Up 9.9% YoY $275MM Auto-Secured Portfolio Up $80MM, or 40.6% YoY 12 Growth Operating Effectiveness Returns
Slide 13: Portfolio Growth Trend
Portfolio Growth Trend ($ in millions) Accelerating Portfolio Growth 13 Record total originations, driven by strong performance from the digital channel, demand for auto-secured products, and 16 new branches opened since 3Q 24 Achieved 12.8% YoY portfolio growth from new branch openings while strate
Slide 14: Record total revenue of $165.5MM grew 13.1% YoY
Record total revenue of $165.5MM grew 13.1% YoY Total revenue yield up 50 bps YoY Prior year inclusive of lower revenue from personal property insurance claims and reserves of $3.5MM, or 80 bps, related to hurricane activity Total revenue yield 30 bps lower YoY after adjusting for the hurricane impa
Slide 15: Credit Improvement YoY
Credit Improvement YoY Delinquency rate increased 10 bps YoY 3Q 24 30+ DQ% was inclusive of an estimated 40 bps benefit from special borrower assistance programs related to hurricane activity 30+ days past due of $144.3MM compares favorably to the allowance for credit losses of $212.0MM as of 3Q 25
Slide 16: Improving Operating Leverage While Investing in Our Business
Improving Operating Leverage While Investing in Our Business Operating Expense Ratio ($ in millions) All-time best operating expense ratio of 12.8%, YoY improvement of 110 bps, despite investment in innovation and growth, including 16 new branches opened since 3Q 24 YoY total revenue growth outpaced
Slide 17: Strong Funding Profile
Total unused capacity was $400MM (subject to borrowing base) as of September 30, 2025 Available liquidity of $155MM as of September 30, 2025 Fixed-rate debt represented 76% of total debt as of September 30, 2025, with WAC of 4.6% and a weighted-average revolving duration of 1.1 years Closed a $253MM
Slide 18: 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 In October 2025, issued $253MM securitization with WAC of 4.8% and revolving maturity of Oc
Slide 19: 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 Controlled growth with stable credit using advanced credit tools Modern infrastructure and digital capabilities De
Slide 20: Appendix
Appendix CHEGIONAY 20
Slide 21: Non-GAAP Financial Measures
Non-GAAP Financial Measures In addition to financial measures presented in accordance with generally accepted accounting principles (“GAAP”), this presentation contains certain non-GAAP financial measures. The Company’s management utilizes non-GAAP measures as additional metrics to aid in, and enhan
Slide 22: Non-GAAP Financial Measures (Cont'd)
Non-GAAP Financial Measures (Cont’d) 22
Slide 23: Non-GAAP Financial Measures (Cont'd)
Non-GAAP Financial Measures (Cont’d) 23
Slide 24: Glossary
Glossary 24 Allowance for credit loss rate – allowance for credit losses as a percentage of ending net finance receivables ANR – average net finance receivables Bps – basis points Capital generation – the year-to-date change in total capital and capital return from the prior year-end Cost of funds –
Slide 25: EREGIONAL =: a
EREGIONAL =: a MANAGEMENT nyse
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