Regional Management(US:RM)2025-07-30 21:00Financial Performance - Net income increased by 20.1% year-over-year[12, 13] - Total revenue reached a record of $157.4 million, a 10.1% increase year-over-year[12, 13] - Diluted earnings per share (EPS) increased by 19.8% year-over-year, reaching $1.03[9, 12] - The operating expense ratio improved by 60 bps year-over-year, reaching a historic best of 13.2%[8, 12, 13] Portfolio Growth and Efficiency - Ending net finance receivables grew by $187 million, or 10.5% year-over-year, reaching $1.96 billion[8, 12] - Origination volume increased by $84 million, or 19.8% year-over-year, reaching $510 million[8] - ENR (Ending Net Receivables) per branch increased by 7.7% year-over-year, reaching $5.6 million[8] - Auto-secured portfolio increased by $66 million, or 36.9% year-over-year, reaching $246 million[8] Credit Quality - The 30+ delinquency rate improved by 30 bps year-over-year, reaching 6.6%[8] - The net credit loss rate improved by 80 bps year-over-year, reaching 11.9%[8] Capital and Liquidity - The company has $534 million in unused capacity to fund growth[9] - Fixed-rate debt represents 84% of total debt, with a WAC (weighted-average coupon) of 4.5%[8]