Regional Management Corp

Regional Management Corp. (NYSE: RM) is a diversified consumer finance company that provides installment loan products primarily to customers with limited access to consumer credit from traditional financial institutions. Operating under the brand name "Regional Finance," the company offers fixed-rate, fixed-term, fully amortizing installment loans through an omni-channel platform spanning 357 branches across 20 U.S. states, centrally managed direct mail campaigns, digital partners, and a consumer website. Its loan portfolio of $2.1 billion consists primarily of large loans (77.3% of portfolio, including a growing auto-secured segment at 15.1%) and small loans (22.7%). The company is expanding through a bank partnership with Column N.A., a nationally chartered bank, which enables more consistent nationwide products and pricing, and recently launched end-to-end digital lending capabilities. Revenue is generated through interest and fee income, insurance products, and other income streams. The company funds its operations through a senior revolving credit facility, revolving warehouse credit facilities, and asset-backed securitizations, with 80% of its debt at fixed rates. Updated Jul 29, 2026