Management said the company delivered a strong finish to 2025, with fourth-quarter net income of $12.9 million , or $1.30 in diluted earnings per share, up 33% year-over-year. Lamba said the result exceeded guidance even though the company recorded a larger provision for credit losses tied to stronger-than-expected portfolio growth.Investments in people, technology, data and analytics, and credit risk management to improve the digital origination and servicing journeyPresident and CEO Lakhbir Lamba said the ...

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Regional Management (NYSE:RM) Q4 2025 Earnings call February 04, 2026 05:00 PM ET Company ParticipantsAlexander Villalobos-Morsink - VP of Equity ResearchGarrett Edson - Investor RelationsHarp Rana - EVP and CFOLakhbir Lamba - President and CEOConference Call ParticipantsKyle Joseph - Managing Director and Research AnalystVincent Caintic - Managing Director and Specialty Finance AnalystZach Oster - Research AnalystOperatorGreetings, and welcome to the Regional Management fourth quarter 2025 earnings call. A ...

Regional Management (NYSE:RM) Q4 2025 Earnings call February 04, 2026 05:00 PM ET Company ParticipantsGarrett Edson - Investor RelationsHarp Rana - EVP and CFOLakhbir Lamba - President and CEOConference Call ParticipantsAlexander Villalobos - AnalystKyle Joseph - AnalystVincent Caintic - Managing Director and Specialty Finance AnalystZach Oster - AnalystOperatorGreetings, and welcome to the Regional Management fourth quarter 2025 earnings call. At this time, all participants are in listen-only mode. A quest ...

Regional Management (NYSE:RM) Q4 2025 Earnings call February 04, 2026 05:00 PM ET Speaker5Greetings, and welcome to the Regional Management fourth quarter 2025 earnings call. At this time, all participants are in listen-only mode. A question-and-answer session will follow the formal presentation. You may be placed into question queue at any time by pressing star one on your telephone keypad. As a reminder, this conference is being recorded. If anyone should require operator assistance, please press star zer ...

4Q 25 Earnings Presentation February 4, 2026 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, statistical, and business information, please see the Company's most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q filed with the U.S. Securities and ...

Financial Performance - Fourth quarter net income was $12.9 million, representing a 30.2% increase year-over-year, with diluted earnings per share of $1.30, up 32.7%[6] - Record quarterly total revenue was $169.7 million, up 9.6% from the prior-year period, primarily due to growth in average net finance receivables[7] - Total revenue for Q4 2025 was $169.702 million, a 9.6% increase from $154.832 million in Q4 2024[22] - Net income for Q4 2025 reached $12.909 million, reflecting a 30.2% increase compared to $9.914 million in Q4 2024[22] - Basic net income per share increased to $1.40 in Q4 2025, up 37.3% from $1.02 in Q4 2024[22] - Total revenue for Q4 25 reached $169,702 million, an increase of $14,870 million or 9.6% year-over-year[32] - Net income for Q4 25 was $12,909 million, reflecting a year-over-year increase of $2,995 million or 30.2%[32] Portfolio Growth - Total portfolio grew by 13.1% year-over-year to a record $2.1 billion, driven by strong performance from digital leads and the opening of 17 new branches in 2025[6] - Record total originations reached $537.3 million, an increase of 12.9% from the prior-year period[7] - Total loans originated in Q4 25 amounted to $537.32 million, a 2.9% increase QoQ and a 12.9% increase YoY[29] - Loans originated in FY 25 totaled $1,962,030 million, an increase of $307,519 million or 18.6% compared to FY 24[34] Credit Losses and Delinquency - Provision for credit losses for the fourth quarter was $66.4 million, a 15.2% increase year-over-year, reflecting portfolio growth[7] - Net credit loss rate for the fourth quarter was 11.0%, a 20 basis point increase compared to the prior-year period[7] - Provision for credit losses was $66.38 million, accounting for 12.7% of average net finance receivables[30] - Total delinquency rate was 7.5% in Q4 25, compared to 7.0% in Q3 25[31] - Large loans delinquency rate was 6.3% in Q4 25, while small loans delinquency rate was 11.2%[31] - The net credit loss rate for FY 25 was 11.4%, up from 11.2% in FY 24[35] Assets and Liabilities - Total assets grew to $2,103.930 million, a 10.2% increase from $1,909.100 million in the previous year[24] - Total liabilities rose to $1,730.830 million, an 11.5% increase from $1,552.030 million[24] - Stockholders' equity increased by 4.5% to $373.092 million from $357.078 million[24] - Funded debt-to-equity ratio was 4.4 to 1.0, with a stockholders' equity ratio of 17.7% as of December 31, 2025[12] - The funded debt-to-tangible equity ratio was reported at 4.8x in Q4 25, indicating a stable leverage position[38] Operational Efficiency - Annualized operating expense ratio improved to 12.4%, marking an all-time best, down from 14.0% in the prior-year period[9] - The efficiency ratio improved to 38.0% in Q4 25, down from 41.8% in Q4 24[32] - General and administrative expenses for FY 25 were $257,575 million, representing 39.9% of total revenue, down from 42.1% in FY 24[35] Dividends and Shareholder Returns - The company declared a dividend of $0.30 per common share for the first quarter of 2026, payable on March 12, 2026[8]

VANCOUVER, BC / ACCESS Newswire / February 3, 2026 / Roxmore Resources Inc. (formerly, Axcap Ventures Inc.) (CSE:RM)(OTCQX:GARLF) ("Roxmore" or the "Company") is pleased to announce that the Company will be uplisting to the Toronto Stock Exchange (the "TSX"). The common shares of the Company (the "Common Shares") will be voluntarily delisted from the Canadian Securities Exchange (the "CSE") effective as of close of market on Wednesday, February 4, 2026, and will commence trading on the TSX effective at the ...

VANCOUVER, BC / ACCESS Newswire / January 20, 2026 / Roxmore Resources Inc. (formerly, Axcap Ventures Inc.) (CSE:RM)(OTCQX:GARLF) ("Roxmore" or the"Company") is pleased to report results from its ongoing drill campaign at its flagship Converse Gold Project ("Converse" or "the Project"), located on the Battle Mountain - Eureka Trend in Nevada, USA. Results include a significant intercept of 194.5m grading 0.71 g/t gold from 190.2m depth, including 12.5m grading 1.14 g/t Au from 208.5m, and 24.1m grading 1 ...