All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2024-06-20.
From the record
Regional Management Corp's filings since 2017 show 2 warning events of 2 kinds: a bankruptcy or receivership notice (8-K item 1.03, the latest 2024-06-20); an auditor change (8-K item 4.01, the latest 2021-11-02) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+11.6% a year over 10 filed years; profitable in 10 of 10.
From the record
Regional Management Corp's 10 filed years say what it did: revenue went from $241 million in fiscal 2016 to $646 million in fiscal 2025, up 11.6% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 1.1% a year. 3% of cash flow returned. Insiders: 102 sales, 7 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Regional Management Corp's diluted share count grew about 1.1% a year, and dividends and buybacks returned about 3% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 102 sales (18 under scheduled 10b5-1 plans) and 7 purchases of their own stock on the open market in the year to 2026-11-12, buying about $706 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 82%: owes 82¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Regional Management Corp earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 82 cents per dollar of assets, and net share issuance: its share count grew 0.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 32% of 11 in its family; net margin 6.9%.
From the record
Regional Management Corp's standing among 11 graded names in its industry family: revenue of $646 million in fiscal 2025 ranks in the bottom 14% by size; a net margin of 6.9% ranks in the bottom 23%; revenue growth of 8.4% a year over the last 3 filed years ranks in the top 41% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 41% of 11 in its family for leadership; chief executive since 2025.
From the record
Regional Management Corp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Lamba, Lakhbir S. (President and CEO, as filed), filing under that title since 2025-11-12, 1 years (bottom 32% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 8.8 years (top 41%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 32%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 45% of 11 in its family for room to expand.
From the record
Regional Management Corp's room to grow, from the newest filed statements (fiscal 2025): cash of $98 million against debt of $1.6 billion leaves -73.4% of its assets as net cash, bottom 14% of its family; cash from operations less capital spending is 47.1% of revenue (top 23%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 47% of 11 in its family for growth drivers.
From the record
Regional Management Corp's growth drivers, from the filed years to fiscal 2025: revenue grew 8.4% a year over the last three filed years against 11.6% over all 10, slowing (top 50% of its family); the newest year grew 9.7% (top 41%); capital spending grew -6.7% a year (top 50%) (its annual reports). Regional Management Corp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 50% of 11 in its family for expectations against reality.
From the record
Regional Management Corp's newest year against its own record: revenue of $646 million in fiscal 2025 came in 1.8% above the $634 million its prior three years' pace pointed to (top 41% of its family); net income of $44 million against a prior three-year average of $36 million (top 50%); a net margin of 6.9% against 6.7% before (bottom 41%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made