Regional Management (RM) investor relations material

Business overview and strategy

• Operates as a diversified consumer finance company with 357 branches across 20 states and $2.1 billion in receivables, targeting underserved customers with installment loans.

• Pursues omni-channel growth through branches, digital, and direct mail, with a focus on responsible credit solutions and disciplined risk management.

• Strategic investments in digital infrastructure, analytics, and AI aim to enhance customer engagement, underwriting, and operational efficiency.

• Expansion into new states, including Florida in 2026, and a partnership with Column N.A. to broaden the addressable market.

• Management team brings deep experience in consumer lending, credit risk, and financial services.

Financial performance and capital management

• Net finance receivables reached $2.15 billion in 2Q 2026, with revenue up 6.7% year-over-year, driven by portfolio and state expansion.

• Operating expense ratio improved to 12.4%, reflecting disciplined expense management and technology investments.

• Book value per share increased to $40.51, with tangible book value per share at $36.80 as of June 30, 2026.

• Consistent capital return to shareholders through dividends and share repurchases, totaling $192 million since 2020.

• Maintains a strong funding profile with $442 million in unused capacity and 80% fixed-rate debt at a 4.8% weighted average coupon.

Portfolio growth and credit quality

• Achieved 9.6% year-over-year portfolio growth, led by large loans and auto-secured products, which now comprise 15.1% of the portfolio.

• Average FICO score of new originations remained stable around 639-641, supporting credit quality.

• 2Q 2026 delinquency rate at 7.0%, up 40 bps YoY but down 20 bps sequentially, with net credit loss rate at 12.2%.

• Allowance for credit losses of $224 million exceeds 30+ days past due balances.

• Product and channel mix optimized for yield, credit quality, and customer reach.