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Alexander Villalobos

Research Analyst at Jefferies

Alexander Villalobos-Morsink is an Equity Research Senior Associate at Jefferies LLC, specializing in financial services research with a focus on consumer finance companies. He actively engages in earnings calls for firms such as Regional Management Corp., providing insights on revenue yields, funding costs, and pricing strategies in varying interest rate environments. Villalobos-Morsink joined Jefferies as an Equity Associate in 2022 after prior experience at Wells Fargo Bank NA, building his expertise in equity research analysis. His professional credentials include relevant experience in financial analysis, though specific FINRA registrations or performance metrics like TipRanks rankings are not publicly detailed.

Alexander Villalobos's questions to Regional Management (RM) leadership

Question · Q4 2025

Alexander Villalobos questioned whether Regional Management could maintain its current pricing and loan yields despite declining interest rates, given the perceived inelasticity of its consumer segment. He also asked if Regional Management has extended loan durations, similar to other firms, to manage monthly payments or if its duration has remained historically consistent.

Answer

CFO Harp Rana explained that pricing is determined by market competition to avoid adverse selection or missed opportunities, emphasizing that the company's consumer segment primarily focuses on monthly payment affordability, which guides their pricing strategy. Rana confirmed that the company has not programmatically extended loan durations, noting that the auto-secured product inherently has a longer term. Additionally, he mentioned that loan-by-loan curing tools are used for customers facing payment difficulties, which might involve adjusting terms to ensure repayment ability.

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