Regional Management Corp 2025年度报告

☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For thefiscal year ended December 31, 2025OR Regional Management Corp. (Exact name of registrant as specified in its charter) Indicate by check mark if the registrant is not required tofile reports pursuant to Section 13 or 15(d) of the Act.Yes☐No☒ Indicate by check mark whether the registrant (1) hasfiled all reports required to befiled by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant was required tofile such reports), and (2) has been subject to suchfiling requirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit suchfiles).Yes☒No☐ Indicate by check mark whether the registrant is a large acceleratedfiler, an acceleratedfiler, a non-acceleratedfiler, a smaller reporting company, or an emerging growthcompany. See the definitions of “large acceleratedfiler,” “acceleratedfiler,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large acceleratedfiler☐Acceleratedfiler☒Non-acceleratedfiler☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancialaccounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether thefinancial statements of the registrant included in thefiling reflect thecorrection of an error to previously issuedfinancial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of theregistrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ As of June 30, 2025 (the last business day of the registrant’s most recently completed secondfiscal quarter), the aggregate market value of the common stock held by non-affiliates of the registrant was $235,369,156 based upon the closing sale price as reported on the New York Stock Exchange. See Part II, Item 5 of this Annual Report on Form10-K for additional information. As of February 17, 2026, there were 9,396,929 shares of the registrant’s common stock outstanding. Documents Incorporated by Reference Certain information required by Part III of this Annual Report on Form 10-K is incorporated herein by reference to the Proxy Statement for the registrant’s 2026 AnnualMeeting of Stockholders, which is expected to befiled pursuant to Regulation 14A within 120 days after the end of the registrant’sfiscal year ended December 31, 2025. REGIONAL MANAGEMENT CORP.ANNUAL REPORT ON FORM 10-KFiscal Year Ended December 31, 2025TABLE OF CONTENTS GLOSSARYFORWARD-LOOKING STATEMENTS PART I Item 1. BusinessItem 1A. Risk FactorsItem 1B. Unresolved StaffCommentsItem 1C. CybersecurityItem 2. PropertiesItem 3. Legal ProceedingsItem 4. Mine Safety Disclosures PART II Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities44Item 6. [Reserved]46Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations47Item 7A. Quantitative and Qualitative Disclosures About Market Risk58Item 8. Financial Statements and Supplementary Data59Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure95Item 9A. Controls and Procedures95Item 9B. Other Information96Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections96PART IIIItem 10. Directors, Executive Officers and Corporate Governance97Item 11. Executive Compensation97Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters97Item 13. Certain Relationships and Related Transactions, and Director Independence97Item 14. Principal Accounting Fees and Services97PART IVItem 15. Exhibits, Financial Statement Schedules98Item 16. Form 10-K Summary105Signatures106 Table of Contents GLOSSARY Terms and abbreviations used in this report are defined below: Table of Contents FORWARD-LOOKING STATEMENTS Each of the terms “Regional,” the “Company,” “we,” “us,” and “our” as used herein refers collectively to Regional ManagementCorp. and its wholly owned subsidiaries, unless otherwise stated. This Annual Report on Form 10-K includes “forward-looking statements” within the meaning of the safe harbor provisions of thePrivate Se