Regional Management Corp. (RM) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings and welcome to the region. Again, our formal remarks. I will direct you to page two of our supplemental presentation, Also, our discussion today may include references to certain non-GAAP measures. Reconciliation of these measures to the most comparable GAAP measures can be found within our earnings announcement or earnings presentation and posted on our website at regionalmanagement.com. I would now like to introduce Lakbir Lamba, President and CEO of Regional Management Corp. Thanks, Garrett, and good afternoon, everyone. I'm pleased to be joining you today on my first earnings call as President and CEO of Regional Management Corp. Over the past few months, I've had the opportunity to spend time in the business, meet many members of the regional team, and deepen my understanding of what makes this company special. I've also had significant time that I've spent reviewing the economics of the business across various customer, product, risk, and market segments, with an eye towards opportunities to grow net income and increase risk-adjusted returns. I'm excited about the opportunity ahead and honored to lead an organization with strong culture, a disciplined operating model, and a long track record of responsible growth. Before turning to our results, I want to thank Rob for his leadership in building the strong platform we have today. I've appreciated working closely with him during this transition. Regional enters 2026 from a position of strength, and my focus is on building on that momentum. Joining me on the call today is Harp Rana, our Chief Financial and Administrative Officer. I'll begin with a summary of our fourth quarter and full year results, provide an update on our strategic priorities and outlook, and then Harp will walk through the financial d...