NYSE : RM
Regional Management Corp. — Financial statements
Financials · Credit Services · United States
Last price 36.26 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 333.12M
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Financial statements
Regional Management Corp. (RM) reported revenue of 654.25M USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Operating Revenue | 44.90M | 45.57M | 40.70M | 44.53M | 43.50M | 35.48M |
| Other Revenue | 609.35M | 578.95M | 528.89M | 489.70M | 450.85M | 382.54M |
| Revenue | 654.25M | 624.52M | 569.59M | 534.23M | 494.36M | 418.03M |
| Cost of Revenue | 266.42M | 245.43M | 212.20M | 220.03M | 185.12M | 89.02M |
| Gross Profit | 387.83M | 379.09M | 357.39M | 314.19M | 309.24M | 329.01M |
| Selling, General & Admin | 263.25M | 257.57M | 247.70M | 243.12M | 222.53M | 195.51M |
| Other Operating Expenses | -29.52M | -21.08M | -18.91M | -17.17M | -12.83M | -10.32M |
| Operating Expenses | 233.73M | 236.50M | 228.78M | 225.95M | 209.70M | 185.19M |
| Operating Income | 154.10M | 142.59M | 128.60M | 88.25M | 99.54M | 143.82M |
| Interest Expense | -92.71M | -84.81M | -74.53M | -67.46M | -34.22M | -31.35M |
| Pretax Income | 61.39M | 57.78M | 54.08M | 20.78M | 65.32M | 112.47M |
| Income Tax Expense | 13.82M | 13.37M | 12.85M | 4.83M | 14.10M | 23.79M |
| Net Income | 47.58M | 44.41M | 41.23M | 15.96M | 51.22M | 88.69M |
| Net Income to Common | 47.58M | 44.41M | 41.23M | 15.96M | 51.22M | 88.69M |
| Shares Outstanding (Basic) | 9.09M | 9.43M | 9.64M | 9.40M | 9.30M | 10.03M |
| Shares Outstanding (Diluted) | 9.64M | 9.98M | 9.96M | 9.59M | 9.66M | 10.64M |
| EPS (Basic) | 5.23 | 4.71 | 4.28 | 1.70 | 5.51 | 8.84 |
| EPS (Diluted) | 4.93 | 4.45 | 4.14 | 1.66 | 5.30 | 8.33 |
| Free Cash Flow | 319.51M | 304.31M | 263.87M | 244.47M | 218.46M | 185.43M |
| Free Cash Flow Per Share | 33.14 | 30.48 | 26.50 | 25.48 | 22.62 | 17.42 |
| Dividend Per Share | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 0.95 |
| Gross Margin | 59.28% | 60.70% | 62.74% | 58.81% | 62.55% | 78.71% |
| Operating Margin | 23.55% | 22.83% | 22.58% | 16.52% | 20.14% | 34.41% |
| Profit Margin | 7.27% | 7.11% | 7.24% | 2.99% | 10.36% | 21.22% |
| Free Cash Flow Margin | 48.84% | 48.73% | 46.33% | 45.76% | 44.19% | 44.36% |
| EBITDA | 173.32M | 158.84M | 142.68M | 102.88M | 112.23M | 155.47M |
| EBITDA Margin | 26.49% | 25.43% | 25.05% | 19.26% | 22.70% | 37.19% |
| D&A For EBITDA | 19.22M | 16.25M | 14.07M | 14.63M | 12.69M | 11.65M |
| EBIT | 154.10M | 142.59M | 128.60M | 88.25M | 99.54M | 143.82M |
| EBIT Margin | 23.55% | 22.83% | 22.58% | 16.52% | 20.14% | 34.41% |
| Effective Tax Rate | 22.51% | 23.13% | 23.76% | 23.22% | 21.58% | 21.15% |
| Revenue as Reported | 683.77M | 645.60M | 588.50M | 551.40M | 507.19M | 428.35M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 7.63M | 3.82M | 3.95M | 4.51M | 3.87M | 10.51M |
| Trading Asset Securities | 6.59M | |||||
| Cash & Short-Term Investments | 7.63M | 3.82M | 3.95M | 4.51M | 3.87M | 17.09M |
| Accounts Receivable | 1.93B | 1.87B | 1.64B | 1.54B | 1.47B | 1.22B |
| Other Receivables | 14.13M | 7.13M | 15.69M | 16.46M | 5.63M | |
| Receivables | 1.93B | 1.88B | 1.65B | 1.55B | 1.49B | 1.22B |
| Prepaid Expenses | 8.78M | 8.69M | 9.66M | 9.12M | 8.68M | |
| Restricted Cash | 133.28M | 94.17M | 131.68M | 124.16M | 127.93M | 138.68M |
| Total Current Assets | 2.07B | 1.99B | 1.80B | 1.69B | 1.63B | 1.39B |
| Property, Plant & Equipment | 58.48M | 56.98M | 52.12M | 48.09M | 49.05M | 41.66M |
| Goodwill | 716.00K | |||||
| Other Intangible Assets | 36.35M | 31.78M | 24.52M | 15.85M | 12.12M | 8.80M |
| Long-Term Deferred Tax Assets | 9.29M | 13.64M | 13.81M | 18.42M | ||
| Long-Term Deferred Charges | 2.30M | 1.84M | 2.24M | 2.36M | 1.31M | |
| Other Long-Term Assets | 42.35M | 26.02M | 24.52M | 24.45M | 21.73M | 863.00K |
| Total Assets | 2.21B | 2.10B | 1.91B | 1.79B | 1.72B | 1.46B |
| Accounts Payable | 34.13M | 39.35M | 39.45M | 40.44M | 33.80M | 49.28M |
| Current Portion of Long-Term Debt | 223.32M | |||||
| Current Portion of Leases | 12.39M | |||||
| Total Current Liabilities | 34.13M | 275.06M | 39.45M | 40.44M | 33.80M | 49.28M |
| Long-Term Debt | 1.75B | 1.42B | 1.47B | 1.40B | 1.35B | 1.10B |
| Long-Term Leases | 48.02M | 33.57M | 40.58M | 36.58M | 36.71M | 30.70M |
| Long-Term Deferred Tax Liabilities | 1.09M | 3.35M | ||||
| Total Liabilities | 1.83B | 1.73B | 1.55B | 1.47B | 1.42B | 1.18B |
| Common Stock | 1.54M | 1.52M | 1.49M | 1.46M | 1.43M | 1.42M |
| Additional Paid-In Capital | 144.10M | 138.67M | 130.72M | 121.75M | 112.38M | 104.75M |
| Retained Earnings | 436.62M | 410.72M | 378.48M | 349.58M | 345.55M | 306.11M |
| Treasury Stock | -200.52M | -177.81M | -153.68M | -150.14M | -150.14M | -129.53M |
| Comprehensive Income & Other | -392.00K | -2.00K | 62.00K | -372.00K | -586.00K | |
| Shareholders' Equity | 381.35M | 373.09M | 357.08M | 322.27M | 308.63M | 282.74M |
| Total Liabilities & Equity | 2.21B | 2.10B | 1.91B | 1.79B | 1.72B | 1.46B |
| Total Debt | 1.79B | 1.69B | 1.51B | 1.43B | 1.38B | 1.13B |
| Net Cash (Debt) | -1.79B | -1.68B | -1.51B | -1.43B | -1.38B | -1.11B |
| Net Cash Per Share | -185.28 | -168.70 | -151.51 | -148.79 | -142.78 | -104.35 |
| Filing Date Shares Outstanding | 8.95M | 9.40M | 9.83M | 9.76M | 9.52M | 9.83M |
| Total Common Shares Outstanding | 9.19M | 9.55M | 10.01M | 9.76M | 9.52M | 9.79M |
| Working Capital | 2.04B | 1.71B | 1.76B | 1.65B | 1.59B | 1.34B |
| Book Value Per Share | 41.51 | 39.05 | 35.67 | 33.02 | 32.41 | 28.89 |
| Tangible Book Value | 345.00M | 341.31M | 332.55M | 306.43M | 296.51M | 273.22M |
| Tangible Book Value Per Share | 37.55 | 35.72 | 33.22 | 31.40 | 31.14 | 27.91 |
| Machinery | 29.09M | 28.29M | 27.23M | 27.01M | 24.35M | |
| Leasehold Improvements | 18.66M | 18.03M | 16.88M | 15.27M | 13.50M |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 47.58M | 44.41M | 41.23M | 15.96M | 51.22M | 88.69M |
| Depreciation & Amortization | 19.22M | 16.25M | 14.07M | 14.63M | 12.69M | 11.65M |
| Loss (Gain) From Sale of Assets | 263.00K | 331.00K | 407.00K | 867.00K | 143.00K | 161.00K |
| Loss (Gain) From Sale of Investments | 20.00K | -2.72M | ||||
| Stock-Based Compensation | 9.04M | 11.87M | 11.17M | 11.76M | 10.77M | 7.40M |
| Provision & Write-off of Bad Debts | 266.42M | 245.43M | 212.20M | 220.03M | 185.12M | 89.02M |
| Other Operating Activities | -10.55M | -3.07M | -11.38M | -14.53M | -11.08M | -20.07M |
| Change in Accounts Receivable | -1.91M | 4.83M | 176.00K | -3.12M | 3.17M | 13.29M |
| Change in Accounts Payable | -4.65M | -887.00K | -1.39M | 7.63M | -14.64M | 10.15M |
| Change in Other Net Operating Assets | -1.04M | -10.09M | 2.42M | -4.06M | -13.06M | -8.55M |
| Operating Cash Flow | 324.37M | 309.07M | 268.93M | 249.17M | 224.33M | 189.01M |
| Capital Expenditures | -4.86M | -4.76M | -5.05M | -4.69M | -5.87M | -3.59M |
| Sale (Purchase) of Intangibles | -13.22M | -12.31M | -12.34M | -7.38M | -5.53M | -3.27M |
| Other Investing Activities | -1.36M | -2.13M | 1.51M | -1.84M | -20.84M | |
| Investing Cash Flow | -408.67M | -471.18M | -315.37M | -278.72M | -447.29M | -355.06M |
| Long-Term Debt Issued | 2.31B | 2.20B | 1.65B | 2.27B | 2.48B | |
| Long-Term Debt Repaid | -2.14B | -2.12B | -1.60B | -2.02B | -2.14B | |
| Net Debt Issued (Repaid) | 167.57M | 172.19M | 78.24M | 43.72M | 246.19M | 339.11M |
| Issuance of Common Stock | 289.00K | |||||
| Repurchase of Common Stock | -35.34M | -28.19M | -5.99M | -2.92M | -23.61M | -77.39M |
| Common Dividends Paid | -11.49M | -11.48M | -12.14M | -11.89M | -11.35M | -9.54M |
| Other Financing Activities | -4.07M | -8.04M | -6.70M | -2.77M | -5.66M | -8.83M |
| Financing Cash Flow | 116.66M | 124.47M | 53.41M | 26.43M | 205.57M | 243.36M |
| Net Cash Flow | 32.36M | -37.64M | 6.96M | -3.13M | -17.39M | 77.31M |
| Free Cash Flow | 319.51M | 304.31M | 263.87M | 244.47M | 218.46M | 185.43M |
| Free Cash Flow Margin | 48.84% | 48.73% | 46.33% | 45.76% | 44.19% | 44.36% |
| Free Cash Flow Per Share | 33.14 | 30.48 | 26.50 | 25.48 | 22.62 | 17.42 |
| Levered Free Cash Flow | -125.13M | -143.96M | -66.19M | -28.58M | -213.59M | -249.71M |
| Unlevered Free Cash Flow | -67.18M | -90.96M | -19.61M | 13.58M | -192.20M | -230.11M |
| Cash Interest Paid | 85.08M | 78.40M | 69.17M | 60.08M | 40.48M | 29.43M |
| Cash Income Tax Paid | 6.05M | 6.11M | 2.73M | 3.05M | 26.96M | 23.08M |
| Change in Working Capital | -7.60M | -6.15M | 1.21M | 450.00K | -24.53M | 14.90M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 350.83M | 376.37M | 345.35M | 246.66M | 269.17M | 569.53M |
| Enterprise Value | 2.14B | 1.99B | 1.77B | 1.64B | 1.53B | 1.56B |
| Last Close Price | 39.21 | 37.74 | 31.96 | 22.58 | 24.19 | 48.00 |
| PE Ratio | 7.95 | 8.47 | 8.38 | 15.46 | 5.25 | 6.42 |
| Forward PE | 6.43 | 6.50 | 6.67 | 6.21 | 6.31 | 8.21 |
| PS Ratio | 0.54 | 0.60 | 0.61 | 0.46 | 0.54 | 1.36 |
| PB Ratio | 0.94 | 1.01 | 0.97 | 0.77 | 0.87 | 2.01 |
| P/TBV Ratio | 1.02 | 1.10 | 1.04 | 0.81 | 0.91 | 2.08 |
| P/FCF Ratio | 1.10 | 1.24 | 1.31 | 1.01 | 1.23 | 3.07 |
| P/OCF Ratio | 1.08 | 1.22 | 1.28 | 0.99 | 1.20 | 3.01 |
| PEG Ratio | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 | |
| EV/Sales Ratio | 3.27 | 3.19 | 3.11 | 3.08 | 3.10 | 3.73 |
| EV/EBITDA Ratio | 12.33 | 12.53 | 12.41 | 15.97 | 13.63 | 10.03 |
| EV/EBIT Ratio | 13.87 | 13.95 | 13.77 | 18.62 | 15.37 | 10.84 |
| EV/FCF Ratio | 6.69 | 6.54 | 6.71 | 6.72 | 7.00 | 8.41 |
| Debt / Equity Ratio | 4.70 | 4.53 | 4.24 | 4.44 | 4.48 | 3.99 |
| Debt / EBITDA Ratio | 8.85 | 9.03 | 8.98 | 11.19 | 10.16 | 6.28 |
| Debt / FCF Ratio | 5.61 | 5.55 | 5.73 | 5.86 | 6.33 | 6.08 |
| Net Debt / Equity Ratio | 4.68 | 4.51 | 4.22 | 4.43 | 4.47 | 3.93 |
| Net Debt / EBITDA Ratio | 10.31 | 10.60 | 10.57 | 13.87 | 12.28 | 7.14 |
| Net Debt / FCF Ratio | 5.59 | 5.54 | 5.72 | 5.84 | 6.31 | 5.99 |
| Asset Turnover | 0.31 | 0.31 | 0.31 | 0.30 | 0.31 | 0.33 |
| Quick Ratio | 56.77 | 6.85 | 41.97 | 38.48 | 44.09 | 25.20 |
| Current Ratio | 60.68 | 7.22 | 45.53 | 41.79 | 48.14 | 28.19 |
| Return on Equity (ROE) | 12.63% | 12.16% | 12.14% | 5.06% | 17.32% | 31.97% |
| Return on Assets (ROA) | 4.54% | 4.44% | 4.34% | 3.13% | 3.91% | 7.01% |
| Return on Invested Capital (ROIC) | 5.61% | 5.59% | 5.42% | 3.94% | 5.07% | 9.26% |
| Return on Capital Employed (ROCE) | 7.10% | 7.80% | 6.90% | 5.00% | 5.90% | 10.20% |
| Earnings Yield | 12.58% | 11.80% | 11.94% | 6.47% | 19.03% | 15.57% |
| FCF Yield | 91.07% | 80.85% | 76.41% | 99.12% | 81.16% | 32.56% |
| Dividend Yield | 3.06% | 3.05% | 3.48% | 4.75% | 4.25% | 1.63% |
| Payout Ratio | 24.32% | 25.86% | 29.45% | 74.48% | 22.16% | 10.75% |
| Buyback Yield / Dilution | 3.90% | -0.27% | -3.79% | 0.65% | 9.27% | 4.50% |
| Total Shareholder Return | 6.96% | 2.77% | -0.32% | 5.40% | 13.52% | 6.14% |