Regional Management Corp (RM)

Name: Regional Management Corp Financial Statements
Creator: Quarter Results

Financial Services | Financial Credit Services

Latest reporting period: 2026-03-31

Latest Quarter

2026-03-31

Revenue

$167M

Net Income

$11.4M

Operating Margin

22.6%

Free Cash Flow

$304M

Debt / Assets

82.9%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Regional Management Corp (RM).
Income Statement (Quarterly)	2026-03-31	2025-03-31	2024-12-31	2024-09-30
Revenue	167,290,000	152,967,000	135,027,000	126,982,000
Cost of Revenue	9,538,000	6,906,000	12,391,000	6,551,000
Gross Profit	157,752,000	146,061,000	122,636,000	120,431,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	68,845,000	71,449,000	91,098,000	67,546,000
Operating Expenses	119,994,000	71,449,000	91,098,000	67,546,000
Operating Income	37,758,000	74,612,000	-45,490,000	33,103,000
Interest Expense	22,923,000	19,771,000	19,805,000	19,356,000
Income Before Tax	14,835,000	9,161,000	12,755,000	10,165,000
Income Tax Expense	3,434,000	-2,136,000	2,841,000	2,743,000
Net Income	11,401,000	11,297,000	9,914,000	7,422,000
Per Share
EPS	1.24	0.73	1.03	0.77
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Regional Management Corp (RM).
Income Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Revenue	645,573,000	588,503,000	551,399,000	472,964,000	397,002,000
Cost of Revenue	307,640,000	25,823,000	220,034,000	165,052,000	0
Gross Profit	337,933,000	562,680,000	331,365,000	307,912,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	240,472,000	266,704,000	243,119,000	198,719,000	171,388,000
Operating Expenses	257,575,000	266,704,000	243,119,000	237,906,000	0
Operating Income	80,358,000	295,976,000	71,074,000	99,544,000	112,473,000
Interest Expense	84,814,000	74,530,000	67,463,000	34,223,000	31,349,000
Income Before Tax	57,777,000	54,075,000	20,783,000	65,321,000	112,473,000
Income Tax Expense	13,365,000	12,848,000	4,825,000	14,097,000	23,786,000
Net Income	44,412,000	41,227,000	15,958,000	51,224,000	88,687,000
Per Share
EPS	4.63	4.28	1.70	5.51	8.84
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Regional Management Corp (RM).
Balance Sheet (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Cash and Cash Equivalents	97,997,000	3,951,000	128,673,000	3,873,000
Short Term Investments	0	0	0	20,416,000
Net Receivables	1,866,403,000	1,644,967,000	1,536,118,000	13,716,000
Inventory	0	0	0	1
Total Current Assets	1,978,532,000	3,951,000	1,690,137,000	24,289,000
Property Plant Equipment	56,984,000	52,119,000	48,090,000	49,047,000
Goodwill and Intangibles	31,781,000	24,524,000	31,775,000	12,122,000
Total Assets	2,183,858,000	1,909,109,000	1,794,527,000	1,724,987,000
Liabilities
Account Payables	39,352,000	0	40,442,000	33,795,000
Short Term Debt	235,712,000	466,626,000	244,940,000	164,724,000
Total Current Liabilities	235,712,000	315,467,000	244,940,000	70,507,000
Long Term Debt	1,498,397,000	1,034,950,000	1,395,236,000	1,382,559,000
Total Liabilities	1,810,766,000	1,552,031,000	1,472,254,000	1,416,354,000
Shareholders Equity
Retained Earnings	410,721,000	378,482,000	349,579,000	345,545,000
Total Shareholders Equity	373,092,000	357,078,000	322,273,000	308,633,000

Balance sheet annual history for Regional Management Corp (RM).
Balance Sheet (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Assets
Cash and Cash Equivalents	97,997,000	3,951,000	128,673,000	3,873,000	10,507,000
Short Term Investments	0	0	0	20,416,000	0
Net Receivables	1,866,403,000	1,644,967,000	1,536,118,000	13,716,000	0
Inventory	0	0	0	1	0
Total Current Assets	1,978,532,000	3,951,000	1,690,137,000	24,289,000	0
Property Plant Equipment	56,984,000	52,119,000	48,090,000	49,047,000	41,659,000
Goodwill and Intangibles	31,781,000	24,524,000	31,775,000	12,122,000	0
Total Assets	2,183,858,000	1,909,109,000	1,794,527,000	1,724,987,000	1,459,662,000
Liabilities
Account Payables	39,352,000	0	40,442,000	33,795,000	0
Short Term Debt	235,712,000	466,626,000	244,940,000	164,724,000	0
Total Current Liabilities	235,712,000	315,467,000	244,940,000	70,507,000	0
Long Term Debt	1,498,397,000	1,034,950,000	1,395,236,000	1,382,559,000	1,127,643,000
Total Liabilities	1,810,766,000	1,552,031,000	1,472,254,000	1,416,354,000	1,176,926,000
Shareholders Equity
Retained Earnings	410,721,000	378,482,000	349,579,000	345,545,000	306,105,000
Total Shareholders Equity	373,092,000	357,078,000	322,273,000	308,633,000	282,736,000

Cash flow quarterly history for Regional Management Corp (RM).
Cash Flow Statement (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Operating Activities
Net Income	44,412,000	41,227,000	15,958,000	51,224,000
Depreciation & Amortization	0	14,070,000	14,634,000	12,689,000
Stock Based Compensation	0	11,171,000	11,755,000	10,768,000
Change in Working Capital	-6,149,000	1,207,000	450,000	-24,530,000
Operating Cash Flow	309,070,000	268,927,000	249,166,000	224,332,000
Investing Activities
Capital Expenditure	-4,763,000	-5,054,000	-12,070,000	-11,408,000
Investments	0	-5,054,000	-12,070,000	-11,408,000
Investing Cash Flow	-471,182,000	-315,374,000	-278,723,000	-447,294,000
Financing Activities
Debt Repayment	164,149,000	78,240,000	-1,601,626,000	-2,019,945,000
Common Stock Issued/Repurchased	-23,984,000	-3,540,000	0	-20,613,000
Dividends Paid	-11,485,000	-12,142,000	-11,886,000	-11,353,000
Financing Cash Flow	124,474,000	53,409,000	26,431,000	205,572,000
Summary
Free Cash Flow	304,307,000	263,873,000	237,096,000	212,924,000
Net Change in Cash	-37,638,000	6,962,000	-3,126,000	-17,390,000

Cash flow annual history for Regional Management Corp (RM).
Cash Flow Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Operating Activities
Net Income	44,412,000	41,227,000	15,958,000	51,224,000	88,687,000
Depreciation & Amortization	0	14,070,000	14,634,000	12,689,000	11,653,000
Stock Based Compensation	0	11,171,000	11,755,000	10,768,000	7,399,000
Change in Working Capital	-6,149,000	1,207,000	450,000	-24,530,000	14,896,000
Operating Cash Flow	309,070,000	268,927,000	249,166,000	224,332,000	189,015,000
Investing Activities
Capital Expenditure	-4,763,000	-5,054,000	-12,070,000	-11,408,000	-3,588,000
Investments	0	-5,054,000	-12,070,000	-11,408,000	-3,588,000
Investing Cash Flow	-471,182,000	-315,374,000	-278,723,000	-447,294,000	-355,058,000
Financing Activities
Debt Repayment	164,149,000	78,240,000	-1,601,626,000	-2,019,945,000	-8,907,000
Common Stock Issued/Repurchased	-23,984,000	-3,540,000	0	-20,613,000	-67,442,000
Dividends Paid	-11,485,000	-12,142,000	-11,886,000	-11,353,000	-9,537,000
Financing Cash Flow	124,474,000	53,409,000	26,431,000	205,572,000	243,356,000
Summary
Free Cash Flow	304,307,000	263,873,000	237,096,000	212,924,000	185,427,000
Net Change in Cash	-37,638,000	6,962,000	-3,126,000	-17,390,000	77,313,000