---
title: "Regional Management Q4 net income up 30%"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/274870183.md"
description: "Regional Management reported a 30% increase in Q4 net income, with revenue surpassing analyst expectations due to record originations. The company achieved a historic operating expense ratio of 12.4% and plans to expand its auto-secured portfolio in 2026, investing in technology for growth. A $0.30 dividend was declared for Q1 2026. Analysts maintain a \"buy\" rating, with a median 12-month price target of $50.00, reflecting a potential 29.5% upside from its recent closing price of $38.62."
datetime: "2026-02-04T21:24:45.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/274870183.md)
  - [en](https://longbridge.com/en/news/274870183.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/274870183.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/274870183.md) | [繁體中文](https://longbridge.com/zh-HK/news/274870183.md)


# Regional Management Q4 net income up 30%

)

Overview

-   Consumer finance firm’s Q4 revenue beat analyst expectations, driven by record originations
-   Net income for Q4 rose 30% yr/yr, with EPS up 33%
-   Company achieved all-time best operating expense ratio of 12.4%

Outlook

-   Regional Management plans to expand its auto-secured portfolio in 2026
-   Company to invest in technology and analytics for sustainable growth
-   Regional Management declares $0.30 dividend for first quarter 2026

Result Drivers

-   PORTFOLIO GROWTH - Net finance receivables grew 13.1% year-over-year, driven by digital leads, auto-secured product demand, and new branch openings
-   RECORD ORIGINATIONS - Total originations reached $537.3 mln, up 12.9% from the prior-year period, while maintaining prudent underwriting criteria
-   EXPENSE DISCIPLINE - Achieved all-time best operating expense ratio of 12.4%, reflecting improvements from prior periods

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q4 Beat $169.70 $161.13

Revenue mln mln (3

Analysts

)

Q4 Net $12.91

Income mln

### Q4 $66.38

Credit mln

Loss

Provisio

n

### Q4 $153.03

Interest mln

& Fee

Income

### Q4 $16.16

Pretax mln

Profit

Analyst Coverage

-   The current average analyst rating on the shares is “buy” and the breakdown of recommendations is 2 “strong buy” or “buy”, 2 “hold” and no “sell” or “strong sell”
-   The average consensus recommendation for the consumer lending peer group is “buy”
-   Wall Street’s median 12-month price target for Regional Management Corp is $50.00, about 29.5% above its February 3 closing price of $38.62
-   The stock recently traded at 6 times the next 12-month earnings vs. a P/E of 7 three months ago

Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

### Related Stocks

- [Regional Management Corp. (RM.US)](https://longbridge.com/en/quote/RM.US.md)

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