RM · Regional Management Corp. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $645.60M | $588.50M | $551.40M | $507.19M | $428.35M | $373.91M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $257.57M | $247.70M | $243.12M | $222.53M | $195.51M | $176.32M |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $16.25M | $14.07M | $14.63M | $12.69M | $11.65M | $13.31M |
| Operating Income | $57.78M | $54.08M | $20.78M | $65.32M | $112.47M | $35.93M |
| Interest Expense | - | - | - | - | $31.35M | $37.85M |
| Income Tax | $13.37M | $12.85M | $4.83M | $14.10M | $23.79M | $9.20M |
| Net Income | $44.41M | $41.23M | $15.96M | $51.22M | $88.69M | $26.73M |
| EPS - Basic | $4.71 | $4.28 | $1.70 | $5.51 | $8.84 | $2.45 |
| EPS - Diluted | $4.45 | $4.14 | $1.66 | $5.30 | $8.33 | $2.40 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $98.00M | $135.63M | $128.67M | $131.80M | $149.19M | $71.88M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.10B | $1.91B | $1.79B | $1.72B | $1.46B | $1.10B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $1.64B | $1.47B | $1.40B | $1.35B | $1.10B | $762.25M |
| Total Liabilities | $1.73B | $1.55B | $1.47B | $1.42B | $1.18B | $831.73M |
| Stockholders' Equity | $373.09M | $357.08M | $322.27M | $308.63M | $282.74M | $272.12M |
| Retained Earnings | $410.72M | $378.48M | $349.58M | $345.55M | $306.11M | $227.34M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $309.07M | $268.93M | $249.17M | $224.33M | $189.01M | $172.58M |
| Investing Cash Flow | ($471.18M) | ($315.37M) | ($278.72M) | ($447.29M) | ($355.06M) | ($98.81M) |
| Financing Cash Flow | $124.47M | $53.41M | $26.43M | $205.57M | $243.36M | ($58.32M) |
| CapEx | $4.76M | $5.05M | $4.69M | $5.87M | $3.59M | $4.38M |
| Free Cash Flow | $304.31M | $263.87M | $244.47M | $218.46M | $185.43M | $168.20M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 8.9% | 9.2% | 3.8% | 12.9% | 26.3% | 9.6% |
| EBITDA margin | 11.5% | 11.6% | 6.4% | 15.4% | 29.0% | 13.2% |
| Net margin | 6.9% | 7.0% | 2.9% | 10.1% | 20.7% | 7.1% |
| Free cash flow margin | 47.1% | 44.8% | 44.3% | 43.1% | 43.3% | 45.0% |
| FCF / Net income | 6.85 | 6.40 | 15.32 | 4.26 | 2.09 | 6.29 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 39.9% | 42.1% | 44.1% | 43.9% | 45.6% | 47.2% |
| Effective tax rate | 23.1% | 23.8% | 23.2% | 21.6% | 21.1% | 25.6% |
| Return on assets | 2.1% | 2.2% | 0.9% | 3.0% | 6.1% | 2.4% |
| Return on equity | 11.9% | 11.5% | 5.0% | 16.6% | 31.4% | 9.8% |
| Return on invested capital | 2.2% | 2.3% | 0.9% | 3.1% | 6.4% | 2.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 4.40 | 4.12 | 4.33 | 4.36 | 3.88 | 2.80 |
| Debt / Assets | 0.78 | 0.77 | 0.78 | 0.78 | 0.75 | 0.69 |
| Debt / EBITDA | 22.18 | 21.60 | 39.39 | 17.25 | 8.84 | 15.48 |
| Interest coverage | - | - | - | - | 3.6x | 0.9x |
| Equity multiplier | 5.64 | 5.35 | 5.57 | 5.59 | 5.16 | 4.06 |
| Liabilities / Assets | 0.82 | 0.81 | 0.82 | 0.82 | 0.81 | 0.75 |
| Efficiency | ||||||
| Asset turnover | 0.31 | 0.31 | 0.31 | 0.29 | 0.29 | 0.34 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 8.7x | 8.2x | 15.1x | 5.3x | 6.9x | 12.4x |
| P / B | 1.0x | 0.9x | 0.7x | 0.9x | 2.2x | 1.2x |
| P / S | 0.6x | 0.6x | 0.4x | 0.5x | 1.4x | 0.9x |
| EV / EBITDA | 26.1x | 24.6x | 42.6x | 19.0x | 12.6x | 20.8x |
| Growth | ||||||
| Revenue growth (YoY) | 9.7% | 6.7% | 8.7% | 18.4% | 14.6% | 5.1% |
| Revenue CAGR (3y) | 8.4% | 11.2% | 13.8% | 12.6% | 11.8% | 11.1% |
| Revenue CAGR (5y) | 11.5% | 10.6% | 12.4% | 13.2% | 12.2% | 11.5% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 6.8% | 160.2% | -68.2% | -41.9% | 213.1% | -39.1% |
| Net income growth (YoY) | 7.7% | 158.3% | -68.8% | -42.2% | 231.8% | -40.2% |
| EPS growth (YoY) | 7.5% | 149.4% | -68.7% | -36.4% | 247.1% | -36.8% |
| EPS CAGR (3y) | -5.7% | -20.8% | -11.6% | 11.7% | 41.7% | -1.9% |
| EPS CAGR (5y) | 13.1% | 1.7% | -10.7% | 15.8% | 33.2% | 6.0% |
| FCF growth (YoY) | 15.3% | 7.9% | 11.9% | 17.8% | 10.2% | 5.6% |
| FCF CAGR (5y) | 12.6% | 10.6% | 20.8% | 14.6% | 14.7% | 16.7% |
| Book value growth (YoY) | 4.5% | 10.8% | 4.4% | 9.2% | 3.9% | -10.1% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Personal Credit Institutions
Comparing Regional Management Corp. against the 5 most active filers in the same SIC group.
Dividends
$1.20/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 20, 2026 | $0.3000 |
| Feb 19, 2026 | $0.3000 |
| Nov 25, 2025 | $0.3000 |
| Aug 20, 2025 | $0.3000 |
| May 21, 2025 | $0.3000 |
| Feb 20, 2025 | $0.3000 |
| Nov 21, 2024 | $0.3000 |
| Aug 21, 2024 | $0.3000 |
| May 21, 2024 | $0.3000 |
| Feb 21, 2024 | $0.3000 |
| Nov 21, 2023 | $0.3000 |
| Aug 22, 2023 | $0.3000 |
| May 23, 2023 | $0.3000 |
| Feb 21, 2023 | $0.3000 |
| Nov 22, 2022 | $0.3000 |
| Aug 23, 2022 | $0.3000 |
| May 24, 2022 | $0.3000 |
| Feb 22, 2022 | $0.3000 |
| Nov 23, 2021 | $0.2500 |
| Aug 24, 2021 | $0.2500 |
| May 25, 2021 | $0.2500 |
| Feb 22, 2021 | $0.2000 |
| Nov 16, 2020 | $0.2000 |