Income Statement Regional Management Corp.

Equities

RM

US75902K1060

Consumer Lending

Market Closed - Nyse Other stock markets 04:00:03 2026-05-18 pm EDT			5-day change	1st Jan Change
35.17 ^USD	+2.84%		+2.33%	-9.24%

May. 04	Regional Management Corp. Amends and Extends Multiple Credit Facilities and Warehouse Agreements	CI
Apr. 30	Regional Management Corp., Q1 2026 Earnings Call, Apr 29, 2026

c1.QV4FkqobcUtWDJdiSNAr_znKVoGPpcaubeHSCdz6d20.Bih229tXG3wMT7pSEIJ5oFyiHOrdyPT9X6K9WqS7JyQQZnHE23lHMTF9ow

Published financial data: REGIONAL MANAGEMENT CORP.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Revenues	35.48M	43.5M	44.53M	40.7M	45.57M
Interest And Invest. Income (Rev)	383M	451M	490M	529M	579M
Other Revenues, Total	-	-	-	-	-
Total Revenues	418M	494M	534M	570M	625M
Cost of Goods Sold, Total	73.02M	185M	220M	212M	245M
Gross Profit	345M	309M	314M	357M	379M
Selling General & Admin Expenses, Total	194M	223M	243M	248M	258M
Other Operating Expenses	-10.32M	-12.83M	-17.17M	-18.91M	-21.08M
Other Operating Expenses, Total	184M	210M	226M	229M	236M
Operating Income	161M	99.34M	88.25M	129M	143M
Interest Expense, Total	-31.35M	-34.22M	-67.46M	-74.53M	-84.81M
Net Interest Expenses	-31.35M	-34.22M	-67.46M	-74.53M	-84.81M
EBT, Excl. Unusual Items	130M	65.12M	20.78M	54.08M	57.78M
Restructuring Charges	-1.4M	200K	-	-	-
Other Unusual Items	-16M	-	-	-	-
EBT, Incl. Unusual Items	112M	65.32M	20.78M	54.08M	57.78M
Income Tax Expense	23.79M	14.1M	4.82M	12.85M	13.36M
Earnings From Continuing Operations	88.69M	51.22M	15.96M	41.23M	44.41M
Net Income to Company	88.69M	51.22M	15.96M	41.23M	44.41M
Net Income - (IS)	88.69M	51.22M	15.96M	41.23M	44.41M
Net Income to Common Incl Extra Items	88.69M	51.22M	15.96M	41.23M	44.41M
Net Income to Common Excl. Extra Items	88.69M	51.22M	15.96M	41.23M	44.41M
Per Share Items
Net EPS - Basic	8.84	5.51	1.7	4.28	4.71
Basic EPS - Continuing Operations	8.84	5.51	1.7	4.28	4.71
Basic Weighted Average Shares Outstanding	10.03M	9.3M	9.4M	9.64M	9.43M
Net EPS - Diluted	8.33	5.3	1.66	4.14	4.45
Diluted EPS - Continuing Operations	8.33	5.3	1.66	4.14	4.45
Diluted Weighted Average Shares Outstanding	10.64M	9.66M	9.59M	9.96M	9.98M
Normalized Basic EPS	8.09	4.38	1.38	3.51	3.83
Normalized Diluted EPS	7.63	4.22	1.35	3.39	3.62
Dividend Per Share	0.95	1.2	1.2	1.2	1.2
Payout Ratio	10.75	22.16	74.48	29.45	25.86
Supplemental Items
EBITDA	173M	112M	103M	143M	159M
EBITA	164M	102M	91.95M	133M	148M
EBIT	161M	99.34M	88.25M	129M	143M
EBITDAR	196M	136M	128M	168M	187M
Total Revenues (As Reported)	428M	507M	551M	589M	646M
Effective Tax Rate - (Ratio)	21.15	21.58	23.22	23.76	23.13
Current Domestic Taxes	28.08M	9.33M	4.71M	8.61M	717K
Total Current Taxes	28.08M	9.33M	4.71M	8.61M	717K
Deferred Domestic Taxes	-4.3M	4.77M	112K	4.24M	12.65M
Total Deferred Taxes	-4.3M	4.77M	112K	4.24M	12.65M
Normalized Net Income	81.17M	40.7M	12.99M	33.8M	36.11M
Interest on Long-Term Debt	31.35M	34.22M	67.46M	74.53M	84.81M
Supplemental Operating Expense Items
Marketing Expenses	14.4M	15.38M	15.77M	19.01M	18.55M
Selling and Marketing Expenses	14.4M	15.38M	15.77M	19.01M	18.55M
General and Administrative Expenses	37.15M	42.1M	45.44M	49.08M	51.18M
Net Rental Expense, Total	23.03M	24.01M	25.03M	25.82M	28.2M
Imputed Operating Lease Interest Expense	6.02M	5.24M	9.6M	10.46M	11.96M
Imputed Operating Lease Depreciation	17.01M	18.77M	15.43M	15.36M	16.25M
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., Other (Total)	7.4M	10.77M	11.76M	11.17M	11.87M
Total Stock-Based Compensation	7.4M	10.77M	11.76M	11.17M	11.87M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	10.51M	3.87M	4.51M	3.95M	3.82M
Trading Asset Securities, Total	6.59M	-	-	-	-
Total Cash And Short Term Investments	17.09M	3.87M	4.51M	3.95M	3.82M
Accounts Receivable, Total	1.22B	1.47B	1.54B	1.64B	1.87B
Other Receivables	5.63M	16.46M	15.68M	7.14M	14.13M
Total Receivables	1.22B	1.49B	1.55B	1.65B	1.88B
Prepaid Expenses	8.68M	10.43M	9.66M	8.69M	8.78M
Restricted Cash	139M	128M	124M	132M	94.17M
Total Current Assets	1.39B	1.63B	1.69B	1.8B	1.99B
Gross Property Plant And Equipment	66.57M	76.8M	78.41M	84.76M	91.58M
Accumulated Depreciation	-24.91M	-27.76M	-30.32M	-32.64M	-34.6M
Net Property Plant And Equipment	41.66M	49.05M	48.09M	52.12M	56.98M
Goodwill	716K	716K	-	-	-
Other Intangibles, Total	8.8M	11.41M	15.85M	24.52M	31.78M
Deferred Tax Assets Long-Term	18.42M	13.81M	13.64M	9.29M	-
Deferred Charges Long-Term	-	-	2.36M	2.24M	1.84M
Other Long-Term Assets, Total	863K	21.73M	24.45M	24.52M	26.02M
Total Assets	1.46B	1.72B	1.79B	1.91B	2.1B
Liabilities
Accounts Payable, Total	49.28M	33.8M	40.44M	39.45M	39.35M
Current Portion of Long-Term Debt	74.7M	32.17M	441M	467M	223M
Current Portion of Leases	7.25M	8.52M	9.68M	11M	12.39M
Total Current Liabilities	131M	74.49M	491M	517M	275M
Long-Term Debt	1.02B	1.31B	954M	1.01B	1.42B
Long-Term Leases	23.45M	28.19M	26.9M	29.58M	33.57M
Deferred Tax Liability Non Current	-	-	-	-	3.34M
Total Liabilities	1.18B	1.42B	1.47B	1.55B	1.73B
Common Stock, Total	1.42M	1.43M	1.46M	1.49M	1.52M
Additional Paid In Capital	105M	112M	122M	131M	139M
Retained Earnings	306M	346M	350M	378M	411M
Treasury Stock	-130M	-150M	-150M	-154M	-178M
Comprehensive Income and Other	-	-586K	-372K	62K	-2K
Total Common Equity	283M	309M	322M	357M	373M
Total Equity	283M	309M	322M	357M	373M
Total Liabilities And Equity	1.46B	1.72B	1.79B	1.91B	2.1B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	9.83M	9.52M	9.76M	9.83M	9.4M
ECS Total Common Shares Outstanding	9.79M	9.52M	9.76M	10.01M	9.55M
Book Value / Share	28.89	32.41	33.02	35.67	39.05
Tangible Book Value	273M	297M	306M	333M	341M
Tangible Book Value Per Share	27.91	31.14	31.4	33.22	35.72
Total Debt	1.13B	1.38B	1.43B	1.51B	1.69B
Net Debt	1.11B	1.38B	1.43B	1.51B	1.68B
Debt Equivalent Oper. Leases	184M	192M	200M	207M	226M
Account Code - Inventory Valuation	3	3	3	3	3
Land - (BS)	-	-	-	-	-
Machinery, Total	24.35M	27.01M	27.23M	28.28M	29.1M
Full Time Employees	1.69K	1.99K	2.08K	2.13K	2.11K
Accumulated Allowance for Doubtful Accounts (Supple)	159M	179M	187M	200M	221M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	88.69M	51.22M	15.96M	41.23M	44.41M
Depreciation & Amortization - CF	9.25M	9.79M	10.93M	9.67M	10.65M
Amortization of Goodwill and Intangible Assets - (CF)	2.4M	2.9M	3.7M	4.4M	5.6M
Depreciation & Amortization, Total	11.65M	12.69M	14.63M	14.07M	16.25M
(Gain) Loss From Sale Of Asset	161K	143K	867K	407K	331K
(Gain) Loss on Sale of Investments - (CF)	-2.72M	-	-	20K	-
Provision for Credit Losses	89.02M	-	-	-	-
Stock-Based Compensation (CF)	7.4M	10.77M	11.76M	11.17M	11.87M
Provision and Write-off of Bad Debts	-	185M	220M	212M	245M
Other Operating Activities, Total	-20.08M	-11.08M	-14.53M	-11.38M	-3.07M
Change In Accounts Receivable	13.29M	3.17M	-3.12M	176K	4.83M
Change In Accounts Payable	10.15M	-14.64M	7.63M	-1.39M	-887K
Change in Other Net Operating Assets	-8.55M	-13.06M	-4.06M	2.42M	-10.09M
Cash from Operations	189M	224M	249M	269M	309M
Capital Expenditure	-3.59M	-5.87M	-4.69M	-5.05M	-4.76M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Sale (Purchase) of Intangible assets	-3.27M	-5.53M	-7.38M	-12.34M	-12.31M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-348M	-415M	-265M	-299M	-452M
Other Investing Activities, Total	-	-20.84M	-1.84M	1.51M	-2.13M
Cash from Investing	-355M	-447M	-279M	-315M	-471M
Long-Term Debt Issued, Total	2.48B	2.27B	1.65B	2.2B	2.31B
Total Debt Issued	2.48B	2.27B	1.65B	2.2B	2.31B
Long-Term Debt Repaid, Total	-2.14B	-2.02B	-1.6B	-2.12B	-2.14B
Total Debt Repaid	-2.14B	-2.02B	-1.6B	-2.12B	-2.14B
Issuance of Common Stock	-	-	289K	-	-
Repurchase of Common Stock	-77.39M	-23.61M	-2.92M	-5.99M	-28.19M
Common Dividends Paid	-9.54M	-11.35M	-11.89M	-12.14M	-11.48M
Common & Preferred Stock Dividends Paid	-9.54M	-11.35M	-11.89M	-12.14M	-11.48M
Other Financing Activities, Total	-8.83M	-5.66M	-2.77M	-6.7M	-8.04M
Cash from Financing	243M	206M	26.43M	53.41M	124M
Net Change in Cash	77.31M	-17.39M	-3.13M	6.96M	-37.64M
Supplemental Items
Cash Interest Paid	29.43M	40.48M	60.08M	69.17M	78.4M
Cash Income Tax Paid (Refund)	23.08M	26.96M	3.05M	2.73M	6.11M
Levered Free Cash Flow	-239M	-215M	-28.58M	-66.19M	-144M
Unlevered Free Cash Flow	-219M	-194M	13.58M	-19.61M	-90.96M
Change In Net Working Capital	332M	268M	55.89M	108M	191M
Net Debt Issued / Repaid	339M	246M	43.72M	78.24M	172M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	7.86	3.9	3.13	4.34	4.44
Return on Total Capital	8.15	4	3.2	4.44	4.53
Return On Equity %	31.97	17.32	5.06	12.14	12.16
Return on Common Equity	31.97	17.32	5.06	12.14	12.16
Margin Analysis
Gross Profit Margin %	82.53	62.55	58.81	62.74	60.7
SG&A Margin	46.44	45.05	45.51	43.49	41.24
EBITDA Margin %	41.36	22.66	19.26	25.05	25.43
EBITA Margin %	39.14	20.68	17.21	23.35	23.73
EBIT Margin %	38.57	20.1	16.52	22.58	22.83
Income From Continuing Operations Margin %	21.22	10.36	2.99	7.24	7.11
Net Income Margin %	21.22	10.36	2.99	7.24	7.11
Net Avail. For Common Margin %	21.22	10.36	2.99	7.24	7.11
Normalized Net Income Margin	19.42	8.23	2.43	5.93	5.78
Levered Free Cash Flow Margin	-57.13	-43.5	-5.35	-11.62	-23.05
Unlevered Free Cash Flow Margin	-52.45	-39.17	2.54	-3.44	-14.56
Asset Turnover
Asset Turnover	0.33	0.31	0.3	0.31	0.31
Fixed Assets Turnover	10.1	10.9	11	11.37	11.45
Receivables Turnover (Average Receivables)	0.03	0.03	0.03	0.03	0.03
Short Term Liquidity
Current Ratio	10.59	21.86	3.44	3.47	7.22
Quick Ratio	9.46	20	3.17	3.2	6.85
Operating Cash Flow to Current Liabilities	1.44	3.01	0.51	0.52	1.12
Days Sales Outstanding (Average Receivables)	11.17K	11.28K	12.32K	14.3K	14.06K
Average Days Payable Outstanding	223.87	81.9	61.57	68.9	58.6
Long Term Solvency
Total Debt/Equity	398.83	447.96	444.29	423.6	452.47
Total Debt / Total Capital	79.95	81.75	81.63	80.9	81.9
LT Debt/Equity	369.85	434.78	304.35	289.84	389.3
Long-Term Debt / Total Capital	74.14	79.34	55.92	55.36	70.46
Total Liabilities / Total Assets	80.63	82.11	82.04	81.3	82.27
EBIT / Interest Expense	5.14	2.9	1.31	1.73	1.68
EBITDA / Interest Expense	6.25	3.98	1.9	2.26	2.21
(EBITDA - Capex) / Interest Expense	6.13	3.8	1.83	2.19	2.15
Total Debt / EBITDA	5.76	10.16	11.19	8.98	9.03
Net Debt / EBITDA	5.67	10.13	11.16	8.95	9.01
Total Debt / (EBITDA - Capex)	5.86	10.62	11.62	9.25	9.26
Net Debt / (EBITDA - Capex)	5.77	10.59	11.58	9.23	9.24
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	14.98	18.26	8.07	6.62	9.64
Gross Profit, 1 Yr. Growth %	27.71	-6.01	1.6	13.75	6.07
EBITDA, 1 Yr. Growth %	42.42	-27.94	-8.33	38.68	11.33
EBITA, 1 Yr. Growth %	48.37	-30.08	-10.25	44.66	11.42
EBIT, 1 Yr. Growth %	49.17	-30.93	-11.35	45.73	10.88
Earnings From Cont. Operations, 1 Yr. Growth %	231.79	-42.24	-68.85	158.35	7.73
Net Income, 1 Yr. Growth %	231.79	-42.24	-68.85	158.35	7.73
Normalized Net Income, 1 Yr. Growth %	84.93	-42.1	-68.18	160.19	6.85
Diluted EPS Before Extra, 1 Yr. Growth %	247.08	-36.37	-68.68	149.4	7.49
Accounts Receivable, 1 Yr. Growth %	28.1	20.54	4.53	7.09	13.46
Net Property, Plant and Equip., 1 Yr. Growth %	1.3	17.73	-1.95	8.38	9.33
Total Assets, 1 Yr. Growth %	32.23	18.18	4.03	6.38	10.2
Tangible Book Value, 1 Yr. Growth %	3.71	8.52	3.34	8.53	2.63
Common Equity, 1 Yr. Growth %	3.9	9.16	4.42	10.8	4.48
Cash From Operations, 1 Yr. Growth %	14.57	18.68	11.07	7.93	14.93
Capital Expenditures, 1 Yr. Growth %	-8.77	63.71	-20.12	7.72	-5.76
Levered Free Cash Flow, 1 Yr. Growth %	-268.09	-13.89	-86.62	131.57	117.5
Unlevered Free Cash Flow, 1 Yr. Growth %	-232.28	-15.85	-107.07	-244.38	363.85
Dividend Per Share, 1 Yr. Growth %	375	26.32	0	0	0
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	10.56	16.61	13.05	7.34	8.12
Gross Profit, 2 Yr. CAGR %	19.31	13.57	-2.28	7.5	9.84
EBITDA, 2 Yr. CAGR %	25.38	13.42	-18.65	12.75	24.25
EBITA, 2 Yr. CAGR %	27.08	16	-20.7	13.94	26.95
EBIT, 2 Yr. CAGR %	27.54	16.04	-21.67	13.66	27.12
Earnings From Cont. Operations, 2 Yr. CAGR %	40.81	38.43	-57.58	-10.29	66.82
Net Income, 2 Yr. CAGR %	40.81	38.43	-57.58	-10.29	66.82
Normalized Net Income, 2 Yr. CAGR %	48.37	34.63	-57.01	-9.01	66.73
Diluted EPS Before Extra, 2 Yr. CAGR %	48.06	48.6	-55.36	-11.62	63.73
Accounts Receivable, 2 Yr. CAGR %	8.13	24.26	12.25	5.8	10.23
Net Property, Plant and Equip., 2 Yr. CAGR %	-0.1	9.21	7.44	3.08	8.86
Total Assets, 2 Yr. CAGR %	12.25	25.01	10.88	5.2	8.28
Tangible Book Value, 2 Yr. CAGR %	-3.49	6.09	5.9	5.9	5.54
Common Equity, 2 Yr. CAGR %	-3.37	6.5	6.76	7.56	7.6
Cash From Operations, 2 Yr. CAGR %	9.31	16.61	14.81	9.49	11.37
Capital Expenditures, 2 Yr. CAGR %	-21.37	22.21	14.35	-7.24	0.75
Levered Free Cash Flow, 2 Yr. CAGR %	37.12	33.5	-66.17	-44.33	124.43
Unlevered Free Cash Flow, 2 Yr. CAGR %	46.64	15.84	-75.71	-68.06	158.78
Dividend Per Share, 2 Yr. CAGR %	-	144.95	12.39	0	0
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	12.33	13.07	13.69	10.86	8.1
Gross Profit, 3 Yr. CAGR %	18.4	8.46	9.43	2.8	7.02
EBITDA, 3 Yr. CAGR %	25.16	0.62	5.71	-2.82	12.27
EBITA, 3 Yr. CAGR %	26.22	0.3	6.56	-3.11	13.1
EBIT, 3 Yr. CAGR %	26.65	0.08	6.15	-3.66	12.73
Earnings From Cont. Operations, 3 Yr. CAGR %	35.89	4.62	-15.8	-22.53	-4.65
Net Income, 3 Yr. CAGR %	35.89	4.62	-15.8	-22.53	-4.65
Normalized Net Income, 3 Yr. CAGR %	41.44	3.35	-16.68	-21.66	-4.01
Diluted EPS Before Extra, 3 Yr. CAGR %	41.66	11.73	-11.56	-20.79	-5.66
Accounts Receivable, 3 Yr. CAGR %	11.73	12.12	17.3	10.5	8.29
Net Property, Plant and Equip., 3 Yr. CAGR %	44.09	5.53	5.35	7.75	5.13
Total Assets, 3 Yr. CAGR %	15.13	14.19	17.58	9.36	6.84
Tangible Book Value, 3 Yr. CAGR %	0.5	0.36	5.17	6.77	4.8
Common Equity, 3 Yr. CAGR %	0.43	0.64	5.8	8.09	6.53
Cash From Operations, 3 Yr. CAGR %	8.92	12.35	14.73	12.47	11.27
Capital Expenditures, 3 Yr. CAGR %	-12.48	0.4	6.06	12.1	-6.75
Levered Free Cash Flow, 3 Yr. CAGR %	41.26	19.18	-38.12	-35.76	-12.32
Unlevered Free Cash Flow, 3 Yr. CAGR %	50.89	23.84	-54.51	-55.99	-22.07
Dividend Per Share, 3 Yr. CAGR %	-	-	81.71	8.1	0
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	12.65	13.53	12.62	10.74	11.43
Gross Profit, 5 Yr. CAGR %	15.56	10.85	8.61	8.08	9.6
EBITDA, 5 Yr. CAGR %	21.49	9.39	3.13	5.34	12.77
EBITA, 5 Yr. CAGR %	21.91	9.03	2.48	5.59	14.29
EBIT, 5 Yr. CAGR %	22.32	9.14	2.14	5.35	14.09
Earnings From Cont. Operations, 5 Yr. CAGR %	29.84	11.32	-14.7	-1.62	10.69
Net Income, 5 Yr. CAGR %	29.84	11.32	-14.7	-1.62	10.69
Normalized Net Income, 5 Yr. CAGR %	27.24	10.1	-14.66	-1.73	9.97
Diluted EPS Before Extra, 5 Yr. CAGR %	33.16	15.85	-10.74	1.73	13.14
Accounts Receivable, 5 Yr. CAGR %	12.5	13.84	11.94	9.55	14.42
Net Property, Plant and Equip., 5 Yr. CAGR %	28.93	31.88	28.13	4.54	6.74
Total Assets, 5 Yr. CAGR %	15.43	15.77	13.41	10.51	13.77
Tangible Book Value, 5 Yr. CAGR %	6.33	5.32	2.63	2.54	5.32
Common Equity, 5 Yr. CAGR %	6.39	5.21	2.91	3.35	6.51
Cash From Operations, 5 Yr. CAGR %	13.53	14.21	11.24	11.2	13.38
Capital Expenditures, 5 Yr. CAGR %	-11.02	4.27	-2.6	-2.73	3.9
Levered Free Cash Flow, 5 Yr. CAGR %	32.42	20.77	-19.53	-12.22	3.6
Unlevered Free Cash Flow, 5 Yr. CAGR %	36.54	23.01	-26.62	-28.09	-8.82
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	43.1