UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission File Number: 001-35477 Regional Management Corp. (Exact name of registrant as specified in its charter) Delaware 57-0847115 (State or other jurisdiction of incorporation or organization) 979 Batesville Road, Suite B Greer, South Caroli ...

Core Viewpoint - Roxmore Resources Inc. has successfully increased the size of its non-brokered private placement to raise C$32,640,000 through the sale of 13,600,000 common shares at a price of C$2.40 per share due to high investor interest [1] Group 1 - The company was formerly known as Axcap Ventures Inc. [1] - The private placement is referred to as the "Upsized Offering" [1] - The offering is not available for distribution in the United States [1]

Core Viewpoint - Roxmore Resources Inc. has announced a non-brokered private placement of common shares, aiming to raise aggregate gross proceeds of C$30,000,000 [1] Group 1 - The company, formerly known as Axcap Ventures Inc., is listed on the TSX under the ticker RM and on OTCQX as GARLF [1] - The offering consists of common shares of the company [1]

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Financial Data and Key Metrics Changes - In Q4 2025, the company generated net income of $12.9 million, or $1.30 diluted earnings per share, representing a 33% year-over-year increase [6] - For the full year 2025, net income reached $44.4 million, an 8% increase compared to 2024 [7] - Ending net receivables grew by $248 million, or 13% year-over-year, aligning with the growth guidance of at least 10% [7] - The annualized operating expense ratio was 12.4% in Q4, an improvement of 160 basis points year-over-year [10] Business Line Data and Key Metrics Changes - Total Q4 originations were $537 million, up 13% year-over-year, driven by strong performance from digital leads and the auto-secured product [17] - The auto-secured portfolio grew by 42% year-over-year, representing a larger portion of the overall portfolio [11] Market Data and Key Metrics Changes - The 30+ day delinquency rate improved by 20 basis points year-over-year to 7.5% [19] - The annualized net credit loss rate improved by 30 basis points year-over-year in Q4, and by 70 basis points for the full year compared to 2024 [20] Company Strategy and Development Direction - The company aims to continue portfolio growth, particularly in the auto-secured segment, and expand its physical footprint in attractive markets [11][12] - Investments in technology, data analytics, and credit risk management are prioritized to enhance risk-adjusted returns [12] - A bank partnership initiative is in development to improve market entry speed and product uniformity [13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the consumer's resilience and adaptability, indicating a healthy economic environment [17][50] - For 2026, the company expects net receivables growth of at least 10% and net income growth in the range of 20%-25% [14] Other Important Information - The company returned $36 million to shareholders through dividends and share repurchases in 2025 [10] - A dividend of $0.30 per common share was declared for Q1 2026 [23] Q&A Session Summary Question: Details on bank partnerships and potential to become a bank - Management discussed ongoing efforts in developing bank partnerships to enhance market entry and product uniformity, but no immediate plans to become a bank [29][30] Question: Guidance on credit reserves and expenses - Management indicated a shift to a full-year view for guidance, emphasizing long-term value creation rather than short-term precision [33][34] Question: Same store receivable growth versus store expansion - Management noted improvements in efficiency per branch and indicated that both same store growth and geographic expansion are key growth levers [42] Question: Graduation program and loan sizes - Management confirmed a balanced approach to growth, continuing to offer smaller loans while also expanding larger loan offerings [46] Question: Macro outlook and customer acquisition costs - Management expressed optimism about loan demand and indicated that marketing efficiency has improved, with plans to reinvest in growth [55][56]

Financial Data and Key Metrics Changes - In Q4 2025, the company generated net income of $12.9 million, or $1.30 diluted earnings per share, representing a 33% year-over-year increase [6] - For the full year 2025, net income reached $44.4 million, an 8% increase compared to 2024 [7] - Ending net receivables grew by $248 million, or 13% year-over-year, closing the year with a loan portfolio of $2.1 billion [7] - The annualized operating expense ratio was 12.4% in Q4, an improvement of 160 basis points year-over-year [10] Business Line Data and Key Metrics Changes - Total Q4 originations were $537 million, up 13% year-over-year, driven by strong performance from digital leads and the auto-secured product [17] - The auto-secured portfolio grew by 42% year-over-year, representing a larger portion of the overall portfolio [11] Market Data and Key Metrics Changes - The 30+ day delinquency rate improved by 20 basis points year-over-year to 7.5% [19] - The annualized net credit loss (NCL) rate improved by 30 basis points year-over-year in Q4, and by 70 basis points for the full year compared to 2024 [20] Company Strategy and Development Direction - The company aims to continue portfolio growth, particularly in the auto-secured segment, and expand its physical footprint in attractive markets [11][12] - Investments in technology, data analytics, and credit risk management are prioritized to enhance risk-adjusted returns [12] - A bank partnership initiative is in development to improve market entry speed and product uniformity [13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the consumer's resilience and adaptability, anticipating strong loan demand post-tax season [51] - For 2026, the company expects net receivables growth of at least 10% and net income growth in the 20%-25% range [14] Other Important Information - The company returned $36 million to shareholders through dividends and share repurchases in 2025 [10] - A dividend of $0.30 per common share was declared for Q1 2026 [23] Q&A Session Summary Question: Details on bank partnerships and potential to become a bank - Management discussed the benefits of bank partnerships for improving speed to market and product uniformity, but indicated it is too early to consider becoming a bank [29][30] Question: Guidance on credit reserves and expenses - Management shifted focus to a full-year view for guidance, emphasizing long-term value creation rather than short-term precision [33] Question: Same store receivable growth versus store expansion - Management noted improvements in efficiency per branch and indicated that both geographic expansion and same store growth are key levers [42] Question: Customer acquisition costs and marketing trends - Management highlighted improved marketing efficiency and indicated potential reinvestment in marketing to support growth [56] Question: Pricing strategy in relation to market rates - Management stated that pricing is aligned with market conditions and consumer ability to pay, with no programmatic extension of loan duration [61][65]

Financial Data and Key Metrics Changes - In Q4 2025, the company generated net income of $12.9 million, or $1.30 diluted earnings per share, representing a 33% year-over-year increase [5] - For the full year 2025, net income reached $44.4 million, an 8% increase compared to 2024 [6] - Ending net receivables grew by $248 million, or 13% year-over-year, aligning with the growth guidance of at least 10% [6] - The annualized operating expense ratio was 12.4% in Q4, an improvement of 160 basis points year-over-year [9] Business Line Data and Key Metrics Changes - Total originations in Q4 2025 were $537 million, up 13% year-over-year, driven by strong performance from digital leads and the auto-secured product [17] - The auto-secured portfolio grew by 42% year-over-year, representing a larger portion of the overall portfolio [10] Market Data and Key Metrics Changes - The 30+ day delinquency rate improved by 20 basis points year-over-year to 7.5% [19] - The annualized net credit loss rate improved by 30 basis points year-over-year in Q4 2025 [19] Company Strategy and Development Direction - The company aims to continue portfolio growth, particularly in the auto-secured segment, and expand its physical footprint by opening new branches [10][11] - Investments in technology, data analytics, and credit risk management are prioritized to enhance operational efficiency and customer experience [11][12] - A bank partnership initiative is being developed to improve market entry speed and product uniformity [12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the consumer's resilience and adaptability, anticipating continued loan demand despite seasonal impacts from tax refunds [17][51] - For 2026, the company expects net receivables growth of at least 10% and net income growth in the range of 20%-25% [14] Other Important Information - The company returned $36 million to shareholders through dividends and share repurchases in 2025 [9] - A dividend of $0.30 per common share was declared for Q1 2026 [23] Q&A Session Summary Question: Details on bank partnerships and potential for becoming a bank - Management discussed the benefits of bank partnerships for improving market speed and product uniformity, but indicated no immediate plans to become a bank [30][31] Question: Guidance on credit reserves and expenses - Management shifted focus to a full-year view for guidance, emphasizing long-term value creation rather than short-term precision [34] Question: Same store receivable growth versus store expansion - Management noted efficiency improvements in loan balances per branch and indicated that both same store growth and geographic expansion are key growth levers [42] Question: Graduation program for loans - Management confirmed a balanced approach to growth, continuing to offer smaller loans while also expanding larger loan offerings [45] Question: Macro outlook and loan demand - Management expressed optimism about the macroeconomic environment, citing healthy consumer conditions and anticipated strong loan demand post-tax season [49][51] Question: Customer acquisition costs and marketing trends - Management highlighted improved marketing efficiency and indicated potential reinvestment in marketing to support growth [54]

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]