Regional Management Corp. · NYSE:RM
Regional Management — Investor Presentation (September 2026)
25 slides from Regional Management's investor presentation, Sep 16, 2026
Slide 1: Investor Presentation September 17th, 2026
Investor Presentation September 17th, 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: Business Snapshot
Business Snapshot Founded 1987 NYSE Listed: RM State entered in 2026 Potential future state expansion Note: Geographic footprint and net finance receivables as of June 30, 2026 States entered in 2021-2025 Legacy states 357 branches 20 states Total receivables of $2.1 billion Multi-channel customer a
Slide 5: 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 leveraging AI and digital
Slide 6: Strategic Framework
Strategic Framework Targeted investments in market and product expansion, digital infrastructure, advanced analytics, and AI-enabled capabilities to enhance customer engagement, optimize underwriting and pricing, improve operating efficiency, and drive long-term shareholder returns. Underwrite with
Slide 7: Abundant Total Addressable Market
Abundant Total Addressable Market Approximately 80 million Americans generally align with Regional’s customer base (1)(3) $100 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
Slide 8: Meeting our Customers' Needs
Meeting our Customers’ Needs Multi-Channel Acquisition Small Loans In Branch $1.2B Originated 76% Large/24% Small Direct Mail $506.5MM Originated Convenience Check Loans Digitally Sourced $255.0MM Originated Digital Lead Generation Partnership Affiliates Customer Need Short-term cash needs Bill paym
Slide 9: Serving Our Customers
Serving Our Customers Excellent net promoter score of 58 84% of customers would apply to Regional Finance first the next time they need a loan ~90% favorable ratings for key attributes: Loan process was quick, easy, and understandable People are professional, responsive, respectful, knowledgeable, h
Slide 10: Financial Overview
Financial Overview
Slide 11: Key Financial Results
Key Financial Results In millions Responsible and profitable portfolio growth driven by state expansion, product development, and digital affiliate initiatives Improving operating leverage driven by disciplined expense management Strong execution resulting in continuous improvements in credit qualit
Slide 12: Excess Capital Consistently Returned to Shareholders
Excess Capital Consistently Returned to Shareholders Proven track record of excess capital generation through returning capital to stockholders and reinvesting to drive sustainable, long-term profitable growth (1) This is a non-GAAP measure. Refer to the Appendix for a reconciliation to the most com
Slide 13: Responsible Portfolio Growth
Responsible Portfolio Growth 13 Portfolio Growth Trend ($ in millions) Average FICO relatively consistent YoY and over the last several quarters Achieved 9.6% YoY portfolio growth from large loans including high-quality auto-secured loans and new branch openings Auto-secured product portfolio grew $
Slide 14: Revenue Up 6.7% on Receivable Growth
14 Revenue Up 6.7% on Receivable Growth Total Revenue and Interest & Fee Yields Total Revenue ($ in millions) Revenue grew 6.7% YoY due to $202MM increase in ANR Total revenue yield down 110 bps YoY, primarily due to a mix shift toward larger loans and auto-secured products, which typically carry lo
Slide 15: Recent Credit Trends
Recent Credit Trends 30+ & 90+ DQ % ($ in millions) Net Credit Loss Rates 15 2Q 26 delinquency rate of 7.0% decreased sequentially 20 bps and increased 40 bps YoY. The increase primarily reflects slower portfolio growth (20 bps) and the impact of higher-risk segments that we have since tightened. 30
Slide 16: Operating Expense Ratio
Operating Expense Ratio ($ in millions) Operating expense ratio of 12.4% improved 80 bps YoY, despite investment in technology, digital capabilities, and growth, including 12 new branches opened since 2Q 25 YoY total revenue growth outpaced G&A expense growth by 4.2x Investing for Long Term Growth W
Slide 17: Strong Funding Profile
Total unused capacity was $442MM (subject to borrowing base) as of June 30, 2026 Available liquidity of $128MM as of June 30, 2026 Fixed-rate debt represented 80% of total debt as of June 30, 2026, with WAC of 4.8% Strong Funding Profile Unused Capacity ($ in millions) Fixed vs. Variable Debt Funded
Slide 18: Accelerated Innovation and Growth Strategy
Accelerated Innovation Deploy new technology to advance omni-channel experience; end-to-end digital lending launched July 2026 Apply machine learning in underwriting, decisioning, and collections to improve efficiency, outcomes, and returns Growth Strategy Bank Partnership Program Column N.A. partne
Slide 19: Deep Management Experience
Deep Management Experience Catherine Atwood General Counsel and Secretary 10+ years of consumer finance services experience Previously served as VP, Deputy General Counsel, and Chief Compliance Officer for Regional Prior to joining Regional, was a business litigation attorney for Womble Bond Dickins
Slide 20: Appendix
Appendix
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) (1) Cumulative change since year-end 2020 through the period ended 2Q 26 22
Slide 23: Non-GAAP Financial Measures (Cont'd)
Non-GAAP Financial Measures (Cont’d) 23
Slide 24: Glossary
Glossary ANR – average net finance receivables Average FICO – weighted-average FICO score at origination, weighted by loan volume Bps – basis points Capital generation – the year-to-date change in total capital and capital return from the prior year-end Cost of funds – annualized interest expense as
Slide 25: EREGIONAL sv ‘isto
EREGIONAL sv ‘isto MANAGEMENT nyse
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