How often does Regional Management move more than the options market prices?

2 of the last 7 reports moved at least as far as the implied move.

RMNYSEPersonal Credit Institutions

Regional Management Corp. (RM) earnings date, market-implied expected move, and options open interest by expiry

36.70

pre 38.95 −0.67%

Pre-market15:59 ETdelayed

Open38.85Volume168,716Mkt cap$350.8MP/E7.48EPS5.21Div yield3.06%

Day38.85 – 39.3122%52-wk29.89 – 43.9065%

Regional Management Corp.

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

No implied move.

Expected move

Inputs

Next report

Feb 3

after close · in 91 days

est.Q4 FY26

Calendar

Next report

Last report

+7.76%

shaded = implied · ▲▼ = realized

Oct 28 '26 · confirmed

Implied vs realized

Largest filed tie

—

Supply chain

13F top-10 QoQ

−0.57%

shares held · 10 largest managers

13F · Jun 30 '26127d lag

123 managers

Top fund weight

0.01%

RM weight · IWM

N-PORTJun 30 '26

3 funds

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

Regional Management (RM) is expected to report on Feb 3 after close (estimated date).

Implied vs realized

8 reports

2 of 7≥ implied

avg implied: ±14.9%
avg realized: ±11.0%

Feb 5 '25Feb 5 '25confirmed±13.8%▼−2.11%×0.15

Apr 30 '25Apr 30 '25confirmed±13.3%▼−16.16%×1.21

Jul 30 '25Jul 30 '25confirmed±17.9%▲+6.85%×0.38

Nov 5 '25Nov 5 '25confirmed±15.1%▼−10.08%×0.67

Feb 4 '26Feb 4 '26confirmed±16.5%▼−14.57%×0.88

Q1 FY26Apr 29 '26confirmed±11.6%▼−3.04%×0.26

Q2 FY26Jul 29 '26confirmed±16.3%▼−23.84%×1.46

Q3 FY26Oct 28 '26confirmed—▲+7.76%—

quarterimplied−25%0+25%realized×

Q3 FY26—▲+7.76%—

Q2 FY26±16.3%▼−23.84%×1.46

Q1 FY26±11.6%▼−3.04%×0.26

Feb '26±16.5%▼−14.57%×0.88

Nov '25±15.1%▼−10.08%×0.67

Jul '25±17.9%▲+6.85%×0.38

2 older reports

Apr '25±13.3%▼−16.16%×1.21

Feb '25±13.8%▼−2.11%×0.15

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

OI · 1 expiry · Aug 28 close

1.50OI · 1 expiry · Aug 28 closeP/C open interest · Dec 18 · nearest expiry

PUTS · chgexpiry · days · P/CCALLS · chgP/C

9−18%Dec 1844d6−84%

ExpiryPutsCallsP/C

Dec 1844d9−18%6−84%1.50

Hatched = puts · solid = calls · bars scaled per expiry · chg = OI vs prior sessionSource: options EOD

Positioning

Linked exposure

No implied move.

Linked exposure

Revenue flow

as filedQ3 FY26

8.45%as filednet margin · revenue +6.41% QoQ · +8.03% YoY

Revenue

$179M+6.41% QoQ

Gross profit

$72M+20.98% QoQ

40.31% margin

Operating income

$44M+31.08% QoQ

24.60% margin

Pre-tax income

$20M+87.81% QoQ

Net income

$15M+85.37% QoQ

8.45% margin

Cost of revenue

$107M−1.60% QoQ

Operating expenses

$28M+7.96% QoQ

SG&A $15M

Other operating $7M

Marketing $5M

Other expense

$24M

Tax

$5M+96.06% QoQ

Revenue$179M+6.41%

Gross profit

$72M+20.98%

40.31% margin

Operating income

$44M+31.08%

24.60% margin

Pre-tax income

$20M+87.81%

Net income

$15M+85.37%

8.45% margin

Cost of revenue

$107M−1.60%

Operating expenses

$28M+7.96%

SG&A $15M

Other operating $7M

Marketing $5M

Other expense

$24M

Tax$5M+96.06%

flow · deduction · signed % = QoQSource: SEC filings · standardized · QE Sep 30 '26 · width = $

Revenue flow

Intraday

15m bars

Hatch = extended hours · ▯ up · ▮ downSource: market data · 15:45 ET

Intraday

Event sensitivity

PCE ×1.65· ±3.2% vs ±1.9% · 19 releases

eventrelease day|move|up · n×base

PCEpersonal income & outlays±3.2%5 of 19×1.65

GDPgross domestic product±2.4%6 of 19×1.24

FOMCrate decision±2.3%10 of 24×1.18

PPIproducer prices±1.6%4 of 10×0.81

NFPjobs report±1.4%4 of 10×0.73

CPROFcorporate profits±1.2%7 of 12×0.63

CPIconsumer prices±1.0%6 of 10×0.49

Bar = avg |move| to ±4% · tick = ±1.9% avg day · ×base = |move| ÷ ±1.9% · min 6 releases

Earnings history

EPS 1.61 · consensus —

Quarter	Reported	EPS	Consensus
Q3 FY26	Oct 28 '26 · confirmed	1.61	—
Q2 FY26	Jul 29 '26 · confirmed	0.85	—
Q1 FY26	Apr 29 '26 · confirmed	1.18	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod