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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $167.29M | - | $165.49M | $157.44M | $152.97M | - | $146.34M | $143.03M | $144.31M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $64.66M | - | $64.07M | $62.95M | $66.04M | - | $62.47M | $60.14M | $60.45M | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $4.77M | - | - | - | $3.60M | - | - | - | $3.50M | - |
| Operating Income | $14.84M | - | $18.97M | $13.48M | $9.16M | - | $10.16M | $11.22M | $19.93M | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - |
| Income Tax | $3.43M | - | $4.62M | $3.34M | $2.15M | - | $2.50M | $2.78M | $4.73M | - |
| Net Income | $11.40M | - | $14.36M | $10.14M | $7.01M | - | $7.66M | $8.45M | $15.21M | - |
| EPS - Basic | $1.24 | - | $1.53 | $1.07 | $0.73 | - | $0.79 | $0.88 | $1.59 | - |
| EPS - Diluted | $1.18 | - | $1.42 | $1.03 | $0.70 | - | $0.76 | $0.86 | $1.56 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $103.22M | $98.00M | $108.54M | $121.93M | $126.47M | $135.63M | $120.32M | $143.21M | $122.41M | $128.67M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.07B | $2.10B | $2.03B | $1.97B | $1.90B | $1.91B | $1.82B | $1.79B | $1.76B | $1.79B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $1.61B | $1.64B | $1.57B | $1.50B | $1.47B | $1.47B | $1.39B | $1.37B | $1.35B | $1.40B |
| Total Liabilities | $1.70B | $1.73B | $1.66B | $1.60B | $1.54B | $1.55B | $1.47B | $1.44B | $1.42B | $1.47B |
| Stockholders' Equity | $375.85M | $373.09M | $371.92M | $362.95M | $357.88M | $357.08M | $352.93M | $344.90M | $336.46M | $322.27M |
| Retained Earnings | $419.20M | $410.72M | $400.84M | $389.56M | $382.53M | $378.48M | $371.73M | $367.22M | $361.79M | $349.58M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $81.01M | - | - | - | $63.66M | - | - | - | $58.47M | - |
| Investing Cash Flow | ($34.82M) | - | - | - | ($60.27M) | - | - | - | ($20.33M) | - |
| Financing Cash Flow | ($40.96M) | - | - | - | ($12.56M) | - | - | - | ($44.41M) | - |
| CapEx | $1.11M | - | - | - | $1.27M | - | - | - | $1.03M | - |
| Free Cash Flow | $79.90M | - | - | - | $62.39M | - | - | - | $57.45M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 8.9% | - | 11.5% | 8.6% | 6.0% | - | 6.9% | 7.8% | 13.8% | - |
| EBITDA margin | 11.7% | - | - | - | 8.3% | - | - | - | 16.2% | - |
| Net margin | 6.8% | - | 8.7% | 6.4% | 4.6% | - | 5.2% | 5.9% | 10.5% | - |
| Free cash flow margin | 47.8% | - | - | - | 40.8% | - | - | - | 39.8% | - |
| FCF / Net income | 7.01 | - | - | - | 8.90 | - | - | - | 3.78 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 38.7% | - | 38.7% | 40.0% | 43.2% | - | 42.7% | 42.0% | 41.9% | - |
| Effective tax rate | 23.1% | - | 24.3% | 24.8% | 23.5% | - | 24.6% | 24.7% | 23.7% | - |
| Return on assets | 0.6% | - | 0.7% | 0.5% | 0.4% | - | 0.4% | 0.5% | 0.9% | - |
| Return on equity | 3.0% | - | 3.9% | 2.8% | 2.0% | - | 2.2% | 2.4% | 4.5% | - |
| Return on invested capital | 0.6% | - | 0.7% | 0.5% | 0.4% | - | 0.4% | 0.5% | 0.9% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 4.30 | 4.40 | 4.23 | 4.14 | 4.11 | 4.12 | 3.94 | 3.98 | 4.03 | 4.33 |
| Debt / Assets | 0.78 | 0.78 | 0.78 | 0.76 | 0.77 | 0.77 | 0.76 | 0.77 | 0.77 | 0.78 |
| Debt / EBITDA | 82.35 | - | - | - | 115.16 | - | - | - | 57.82 | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 5.51 | 5.64 | 5.45 | 5.42 | 5.31 | 5.35 | 5.16 | 5.19 | 5.22 | 5.57 |
| Liabilities / Assets | 0.82 | 0.82 | 0.82 | 0.82 | 0.81 | 0.81 | 0.81 | 0.81 | 0.81 | 0.82 |
| Efficiency | ||||||||||
| Asset turnover | 0.08 | - | 0.08 | 0.08 | 0.08 | - | 0.08 | 0.08 | 0.08 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 27.3x | - | 27.4x | 28.4x | 43.0x | - | 43.0x | 33.4x | 15.5x | - |
| P / B | 0.8x | - | 1.1x | 0.8x | 0.8x | - | 0.9x | 0.8x | 0.7x | - |
| P / S | 1.9x | - | 2.4x | 1.8x | 2.0x | - | 2.3x | 2.0x | 1.6x | - |
| EV / EBITDA | 93.0x | - | - | - | 128.9x | - | - | - | 62.7x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 9.4% | - | 13.1% | 10.1% | 6.0% | - | 3.9% | 7.1% | 6.6% | - |
| Revenue CAGR (3y) | 7.3% | - | 8.0% | 8.6% | 8.2% | - | 9.5% | 12.8% | 13.9% | - |
| Revenue CAGR (5y) | 11.3% | - | 12.8% | 11.9% | 9.7% | - | 9.8% | 11.2% | 12.0% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 61.9% | - | 86.7% | 20.2% | -54.0% | - | -6.7% | 43.6% | 71.8% | - |
| Net income growth (YoY) | 62.7% | - | 87.3% | 20.1% | -53.9% | - | -13.1% | 40.2% | 75.0% | - |
| EPS growth (YoY) | 68.6% | - | 86.8% | 19.8% | -55.1% | - | -16.5% | 36.5% | 73.3% | - |
| EPS CAGR (3y) | 9.4% | - | 10.2% | -6.0% | -36.0% | - | -28.8% | -22.8% | -12.3% | - |
| EPS CAGR (5y) | -12.6% | - | 7.1% | 8.7% | - | - | -6.8% | 4.2% | 18.4% | - |
| FCF growth (YoY) | 28.1% | - | - | - | 8.6% | - | - | - | 12.6% | - |
| FCF CAGR (5y) | 13.8% | - | - | - | 7.5% | - | - | - | 13.5% | - |
| Book value growth (YoY) | 5.0% | 4.5% | 5.4% | 5.2% | 6.4% | 10.8% | 6.8% | 7.3% | 6.2% | 4.4% |
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 |