Form 8-K : 001-35477 : 57-0847115 (State or other jurisdiction. of incorporation) (Commission. File...
Transcript of Form 8-K : 001-35477 : 57-0847115 (State or other jurisdiction. of incorporation) (Commission. File...
0001193125-17-363253.txt : 201712070001193125-17-363253.hdr.sgml : 2017120720171207060704ACCESSION NUMBER:0001193125-17-363253CONFORMED SUBMISSION TYPE:8-KPUBLIC DOCUMENT COUNT:18CONFORMED PERIOD OF REPORT:20171207ITEM INFORMATION:Regulation FD DisclosureITEM INFORMATION:Financial Statements and ExhibitsFILED AS OF DATE:20171207DATE AS OF CHANGE:20171207
FILER:
COMPANY DATA:COMPANY CONFORMED NAME:Regional Management Corp.CENTRAL INDEX KEY:0001519401STANDARD INDUSTRIAL CLASSIFICATION:PERSONAL CREDIT INSTITUTIONS [6141]IRS NUMBER:570847115STATE OF INCORPORATION:DEFISCAL YEAR END:1231
FILING VALUES:FORM TYPE:8-KSEC ACT:1934 ActSEC FILE NUMBER:001-35477FILM NUMBER:171243472
BUSINESS ADDRESS:STREET 1:979 BATESVILLE ROADSTREET 2:SUITE BCITY:GREERSTATE:SCZIP:29651BUSINESS PHONE:864-448-7000
MAIL ADDRESS:STREET 1:979 BATESVILLE ROADSTREET 2:SUITE BCITY:GREERSTATE:SCZIP:29651
8-K1d489596d8k.htmFORM 8-K
Form 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENTREPORT
Pursuant to Section13 or 15(d)
of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): December7, 2017
Regional Management Corp.
(Exact name of registrant as specified in its charter)
Delaware001-3547757-0847115
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
979 Batesville Road, Suite B
Greer, South Carolina 29651
(Address of principal executive offices) (zip code)
(864) 448-7000
(Registrants telephone number, including area code)
Not Applicable
(Formername or former address, if changed since last report.)
Check the appropriate box belowif the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company asdefined in Rule 405 of the Securities Act of 1933 (230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (240.12b-2 of this chapter).
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 orrevised financial accounting standards provided pursuant to Section13(a) of the Exchange Act.
Item7.01. Regulation FD Disclosure.
Management of Regional Management Corp. (the Company) will meet with investors at the Jefferies Crossover Consumer Finance Summiton December7, 2017 in New York, NY. A copy of the investor presentation to be used during these meetings is attached to this Current Report on Form 8-K as Exhibit 99.1 and is also available at theCompanys website at www.regionalmanagement.com.
The information set forth in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed filed for purposes of Section18 of the Securities Exchange Act of 1934, as amended (the Exchange Act), or otherwise subject tothe liabilities of that section. The information in this Item 7.01 of this Current Report on Form 8-K shall not be deemed to be incorporated by reference in any filing under the Securities Act of 1933, asamended, or the Exchange Act, except as expressly set forth by specific reference in such filing.
Item9.01. Financial Statements and Exhibits.
(d)Exhibits.
Exhibit
No.
Description
99.1Regional Management Corp. Jefferies Crossover Consumer Finance Summit Investor Presentation, dated December7, 2017.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf bythe undersigned hereunto duly authorized.
Regional Management Corp.
Date: December7, 2017
By:
/s/ Donald E. Thomas
Donald E. Thomas
Executive Vice President and Chief Financial
Officer
EX-99.12d489596dex991.htmEXHIBIT 99.1
Exhibit 99.1
Exhibit 99.1
Jefferies Crossover Consumer Finance Summit
December7, 2017
Safe Harbor Statement
This presentation, therelated remarks, and the responses to various
questions may contain various forward-looking statements within the
meaning of the Private Securities Litigation Reform Act of 1995,
which represent Regional Management Corp.sexpectations or beliefs
concerning future events. Words such as may, will, should, likely,
anticipates, expects, intends, plans, projects,believes, estimates,
outlook, and similar expressions may be used to identify these
forward-looking statements. Such forward-looking statements are
about matters that are inherently subject to risks
anduncertainties, many of which are outside of the control of
Regional Management. Factors that could cause actual results or
performance to differ from the expectations expressed or implied in
such forward-looking statements include, but are notlimited to, the
following: changes in general economic conditions, including levels
of unemployment and bankruptcies; risks associated with Regional
Managements transition to a new loan origination and servicing
software system; risks relatedto opening new branches, including
the ability or inability to open new branches as planned; risks
inherent in making loans, including repayment risks and value of
collateral, which risks may increase in light of adverse or
recessionary economicconditions; changes in interest rates; the
risk that Regional Managements existing sources of liquidity become
insufficient to satisfy its needs or that its access to these
sources becomes unexpectedly restricted; changes in federal, state,
orlocal laws, regulations, or regulatory policies and practices,
and risks associated with the manner in which laws and regulations
are interpreted, implemented, and enforced; the timing and amount
of revenues that may be recognized by RegionalManagement; changes
in current revenue and expense trends (including trends affecting
delinquencies and credit losses); changes in Regional Managements
markets and general changes in the economy (particularly in the
markets served by RegionalManagement); changes in the competitive
environment in which Regional Management operates or in the demand
for its products; risks related to acquisitions; changes in
operating and administrative expenses; and the departure,
transition, orreplacement of key personnel. Such factors and others
are discussed in greater detail in Regional Managements filings
with the Securities and Exchange Commission. We cannot guarantee
future events, results, actions, levels of activity,performance, or
achievements.
Except to the extent required by law, neither Regional Management
nor any of its respective agents, employees, or advisors intend
orhave any duty or obligation to supplement, amend, update, or
revise any forward-looking statement, whether as a result of new
information, future developments, or otherwise.
The information and opinions contained in this document are
provided as of the date of this presentation and are subject to
change without notice. This document has not beenapproved by any
regulatory or supervisory authority.
2
Investment Highlights
Numerous Avenues forAdditional Growth
Attractive Long-Term Market Opportunity
10 ConsecutiveQuarters of Double-Digit Receivable Growth
Significantly Upgraded Infrastructure
Stable Credit Performance
Deep Management Experience
3
Company Overview
History
Consumer finance company founded in 1987 Focused on consumer
installment lending IPO: March 2012; NYSE: RM
Who We Are
344 branches in 9 southeastern and southwestern U.S. states Core
portfolio of smalland large personal loans (core loans), and retail
loans
- Large loans have been a key source of growth since early
2015
Multiple origination channels
- Branches, direct mail, website, lead sources, and retailers
Growth
Multi-channel platform to grow core small and large loan
portfolio$775million in total loan receivables as of September30,
2017 3-year core loan receivable CAGR of 24% (Sep-14 toSep-17)
3-year large loan receivable CAGR of 94% (Sep-14 to Sep-17)
4
2018 & 2019: Realize the Benefits of Our Investments
Recent significant investments should accelerate top and bottom
line growth in the coming years.
, With modernized infrastructure, plan to increase de novo branches
in 2018
, Hybrid approach to growth: increased receivables per branch and
de novo expansion
, Focus on core portfolio small and large loans
, Digital platform will enhance existing customer engagement and
experience, as well as attract new digital-oriented customers
, Strong credit function to improve the credit quality of new
loans
- New creditscorecards
- Automation of underwriting, which should significantly reduce
manual errors
, Centralized collections to decrease delinquency and reduce net
credit losses
-Allows branch labor to focus on local marketing and customer
sales
5
Significant Market Opportunity
Regionals360,000 customer accounts represent 0.3% of the
approximately 115million Americans that generally align with the
Companys customer base.
Regionalbelieves that most of this population is underserved and
provides an attractive market opportunity.
$3.1 Trillion US Consumer Finance Market Personal InstallmentLoans
Account for ~$70billion
Student Loans -Private 20%
Auto Loans 29%
Credit Cards 25%
Other 10%
Personal Installment Loans 2%
Student Loans-Govt. 14%
32% of US Population with FICO Score Between 550 & 700
(1)
800-850 20%
300-499 5%
500-549 7%
550-599 9%
600-649 10%
650-699 13%
700-749 17%
750-799 19%
(1) FICOTM Banking Analytics Blog Fair Isaac Corporation (as of
April 2017)
6
Hybrid Approach to Growth
Branch Overview Hybrid Approach to Growth
, Multiple channels and products provide attractive market
opportunities
- Most loans are serviced and collected through branches
- Migrating late-stage delinquency /collections to centralized
collections group
, Many branches have significant capacity to increase the size of
their portfolios, Renewingde novo expansion in 2018
Receivables Per Branch
$2,500 Branch $2,252 $2,250Per $2,117 $2,000 $1,899 Receivables
$1,821 $1,750 $1,500 2014 2015 2016 3Q 17 Geographic Footprint Date
of Entry: SC: 1987 17 TX: 2001 21 3617 NC: 2004 28 18 28 21 TN:
2007 70 18 48 8 AL: 2009 48 OK: 2011 98 98 NM: 2012 GA: 2013 VA:
2015 CurrentStates of Operation Attractive States for Expansion
Total branches: 344 Note: As of 9/30/17
7
Core Loan Portfolio Growth Driven by Large Loan
Receivables
Since adding large loans as a core product, large loan receivables
have grown by nearly 600%, from $46million to $309million, in less
than three years
(in millions)
$750 Small $672 Loans Large $593 Core$485 of $500 $309$235 $366
$147 Receivables $46 Net $250 $338 $358 $363 Ending $320 $0 2014
2015 2016 3Q 17
8
Multi-Channel Origination Platform Provides Broad Reach
, Branches are foundation of Regionals multi-channel strategy ,
Mail campaigns attract ~100,000 new customers per year to
Regional
, Continued expansion of digital channel / online lending
capabilities to acquire customers
Branch Originated Non-Branch Originated
YTDOrigination Volume as of September30, 2017 Retailers Mail
Web
$262.2MM $249.0MM $20.5MM $159 M Em g
Furniture and
Convenience Digital Lead Small Branch Large Branch Appliance Check
LoansGeneration / Originated Loans Originated Loans Retailers
Over 5.5million Partnership (344 branches as of (344 branches as of
(Relationships with conveniencechecks September30, 2017)
September30, 2017) approx. 900 Affiliates mailed Sep-17 TTD
retailers)
RegionalBranch Network Supports All Origination Channels
Personal Relationships with Customers
9
Multi-Product Offering Fits Customer Needs
, Product suite provides multiple solutions for customers as their
credit needs change, Easy to understand products based on
creditunderwriting and ability to pay
Small Large Retail
, Short-termcash needs, Vacation expenses, Home furnishings
Customer Need, Bill payment, Loan consolidation,
Appliances,Back-to-school expenses, Medical expenses, Televisions
and electronics, Auto repair
(a) Range: $500 to $2,500 Range: $2,501 to $20,000 Range: Up to
$7,500 Size Average: $1,651 Average: $4,937 Average: $1,923
Term (b)Up to 36 months 18 to 60 months 6 to 48 months
Security Non-essential Title to a vehicle or non- Purchased goods
household goods essential household goods (e.g. furniture)
Net Receivables (c) $363.3million $308.6million $31.3million
# of Loans (b)~260,000 ~73,000 ~21,400
Average APR (d) 48% 30% 22%
(a) Represents theaverage origination loan size (new and renewal)
for quarter ended September30, 2017 (b) Fixed installment loans
with equal monthly payments (c)Represents the portfolio balances at
September30, 2017 (d) Fixed interest rates;represents average
portfolio APR for the quarter ended September30, 2017
Note: Product offering table excludes $71.7million auto portfolio,
as theCompany is no longer originating auto loans.
10
High Customer Satisfaction
RegionalsNet Promoter Score (NPS) of 66%, which measures customer
loyalty, compares favorably to other companies in financial
services and in other industries.
Top-three box (8, 9, or 10 out of 10) customer satisfaction of
88%
Over 75% of customers would apply to Regional Finance firstthe next
time they need a loan
~90% favorable ratings for key attributes:
Loan process was quick, easy, affordable, understandable
People areprofessional, responsive, respectful, knowledgeable,
helpful, friendly
Customers pleased with products/services; anticipate enhancements,
such as texting, onlineaccount self-service, electronic payments,
and digital lending, should increase customer satisfaction
11
Diverse Funding and Liquidity Profile
, Continue to diversify sources of funding to support future
growth, Plan to complete first capital markets ABS transaction in
2018
Amended and Upsized Senior Revolver
, Committed line of$638million; $459million outstanding at
September30, 2017
, Contains accordion feature to increase line to $700million
, Allows for a large loan warehouse facility and for subsequent
securitizations using warehouse collateral
, Maturity date: June 2020
Revolving Warehouse Facility
, Committed facility of $125million; $56million outstanding at
September30, 2017
, Expandable to $150million; funded by large loan receivables
,Initial term of 18 months, to be followed by 12-month amortization
period
, Plan to amend and extend facilitybefore end of initial term
, Facility is being funded by Credit Suisse and Wells Fargo
12
Deep Management Experience
Peter Knitzer 30+ years of consumer financial services
experience
President and Spent 14 years at Citi in various senior roles,
including Chairman& CEO ofCitibank North America CEO
Prior to joining Regional, was EVP and Head of Payments at CIBC,
and President and Director at E*TRADE Bank
30 years of consumer financial services experience
John
Schachtel Prior to joining Regional, was Chief Operating Officer at
OneMain Financial COO
Extensive operations experience at CitiFinancial (now
OneMain)
30+ years of finance and accounting experience, CPA
Don Thomas
Priorto joining Regional, was Chief Financial Officer at TMX
Finance CFO
Also spent 17 years at 7-Eleven, includingservice as Chief
Accounting Officer, Controller, and acting CFO
Dan Taggart 20+ years of financial services and credit
experience
Chief Risk Prior to joining Regional, was SVP at Wingspan Portfolio
Advisors, managing servicing and loss mitigation Officer
Also spent 11 years at Citi, including service as SVP and Chief
Credit Officer at CitiFinancial
Jim Ryan 20+ years of consumer financial services experience
Chief
Marketing Prior to joining Regional, was Chief Marketing Officer at
OneMain Financial for 10 years
Officer Also held additional senior positions at CitiFinancial,
including SVP of Operations and Vice President of Credit Risk
13
Recent Historical Financial Performance
Net Income
($ in millions)
$30 $23.4 $24.0
$25 $19.1 $17.6 $20 $14.8 $15
,Receivables $10 and revenue $5 have grown $0
in parallel 2014 2015 2016 3Q 16 3Q 17
and over YTD YTD time should TotalReceivables and Net Credit Losses
Total Revenue create
opportunity ($ in millions) ($ in millions) $241 $800 20.0% $250
Total Receivables $774.9
for improved $217
NCL $205 $200
net income 16.0% $200
$717.8 $176 $725
margins $696.1
12.0% $150 $650 $628.4 11.1% $100
9.0% 9.5% 8.0%
8.8% 8.7% $575 $50 $546.2 4.0%
$0 $500 0.0% 2014 2015 2016 3Q 16 3Q 17 2014 2015 2016 3Q 16 3Q 17
YTD YTD
YTD YTD
14
Investment Highlights
AttractiveLong-Term Market
Opportunity 10 Numerous Consecutive Avenues for Quarters of
Additional Double-Digit Growth Receivable Growth
Deep Significantly Management Upgraded Experience Infrastructure
Stable Credit Performance
15
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