Regional Management Corp. RM

Financials SIC 6141 - Personal Credit Institutions NAICS Finance and Insurance › Credit Intermediation and Related Activities › Nondepository Credit Intermediation › Other Nondepository Credit Intermediation › Consumer Lending derived NYSE

We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. As of December 31, 2025, we operated under the name "Regional Finance" online and in branch locations in 19 states across the United States, serving 590,800 active accounts. Most of our loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. We source our loans through our omni-channel platform, which includes our branches, centrally-managed direct mail campaigns, digital partners, and consumer website. We operate an integrated branch model in which nearly all loans, regardless of origination channel, are serviced through our branch network with the support of centralized sales, underwriting, service, collections, and administrative teams. This model provides us with frequent in-person contact with our customers, which we believe improves our credit performance and customer loyalty. Our goal is to consistently grow our finance receivables and to soundly manage our portfolio risk, while providing our customers with attractive and easy-to-understand loan products that serve their varied financial needs.

Last close 32.74 2026-10-23
Market cap $302.1M 2026-06-30 share count
52-week range 29.89 - 44.30

Valuation FY2025 figures against the last close

P/S0.5x
P/E7.4x
P/FCF1.0x
EV/EBITDA—
Dividend yield—
Diluted EPS4.45

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $645.6M$588.5M$551.4M$507.2M$428.4M$373.9M$355.7M$306.7M$272.5M$240.5M
SG&A $257.6M$247.7M$243.1M$222.5M$195.5M$176.3M$157.0M$140.3M$131.0M$118.6M
Interest expense ————$31.3M$37.9M$40.1M$33.5M$23.9M$19.9M
Pre-tax income $57.8M$54.1M$20.8M$65.3M$112.5M$35.9M$59.0M$45.9M$40.3M$38.9M
Income tax $13.4M$12.8M$4.8M$14.1M$23.8M$9.2M$14.3M$10.6M$10.3M$14.9M
Net income $44.4M$41.2M$16.0M$51.2M$88.7M$26.7M$44.7M$35.3M$30.0M$24.0M
EPS, basic 4.714.281.705.518.842.453.923.032.592.03
EPS, diluted 4.454.141.665.308.332.403.802.932.541.99
Shares, diluted (wtd. avg.) 10.0M10.0M9.6M9.7M10.6M11.1M11.8M12.1M11.8M12.1M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $98.0M$135.6M$128.7M$131.8M$149.2M$71.9M$56.4M$50.1M$22.0M$12.7M
Property, plant and equipment $13.2M$13.7M$13.8M$14.5M$12.9M$14.0M$15.3M$13.9M$12.3M$11.7M
Goodwill ———$716.0K$716.0K$716.0K$716.0K$716.0K$716.0K$716.0K
Other intangibles $31.8M$24.5M$15.8M$12.1M$8.8M$8.0M$8.7M$9.3M$9.9M$5.7M
Total assets $2.10B$1.91B$1.79B$1.72B$1.46B$1.10B$1.16B$956.4M$829.5M$712.2M
Long-term debt $1.64B$1.47B$1.40B$1.35B$1.10B$762.2M$798.6M$651.3M$566.5M$489.5M
Total liabilities $1.73B$1.55B$1.47B$1.42B$1.18B$831.7M$855.8M$677.2M$590.1M$504.7M
Retained earnings $410.7M$378.5M$349.6M$345.5M$306.1M$227.3M$248.8M$204.1M$168.8M$138.8M
Total equity $373.1M$357.1M$322.3M$308.6M$282.7M$272.1M$302.8M$279.2M$239.4M$207.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $309.1M$268.9M$249.2M$224.3M$189.0M$165.0M$158.2M$146.3M$115.4M$100.2M
Depreciation and amortisation $16.2M$14.1M$14.6M$12.7M$11.7M$13.3M$10.9M$8.8M$7.4M$6.4M
Stock-based compensation $11.9M$11.2M$11.8M$10.8M$7.4M$5.6M$5.1M$5.3M$3.7M$4.2M
Capital expenditure $4.8M$5.1M$4.7M$5.9M$3.6M$3.9M$5.8M$5.4M$4.8M$6.4M
Investing cash flow -$471.2M-$315.4M-$278.7M-$447.3M-$355.1M-$91.7M-$268.8M-$199.2M-$179.9M-$159.6M
Financing cash flow $124.5M$53.4M$26.4M$205.6M$243.4M-$57.8M$116.9M$81.1M$73.8M$53.9M
Buybacks $24.0M$3.5M—$20.6M$67.4M$12.0M$25.0M——$25.0M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001519401-26-000005.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 200M 400M 600M 800M Revenue, FY2016: 240.5M Net income, FY2016: 24M Revenue, FY2017: 272.5M Net income, FY2017: 30M Revenue, FY2018: 306.7M Net income, FY2018: 35.3M Revenue, FY2019: 355.7M Net income, FY2019: 44.7M Revenue, FY2020: 373.9M Net income, FY2020: 26.7M Revenue, FY2021: 428.4M Net income, FY2021: 88.7M Revenue, FY2022: 507.2M Net income, FY2022: 51.2M Revenue, FY2023: 551.4M Net income, FY2023: 16M Revenue, FY2024: 588.5M Net income, FY2024: 41.2M Revenue, FY2025: 645.6M Net income, FY2025: 44.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $240.5M $272.5M $306.7M $355.7M $373.9M $428.4M $507.2M $551.4M $588.5M $645.6M
Gross profit — — — — — — — — — —
Net income $24.0M $30.0M $35.3M $44.7M $26.7M $88.7M $51.2M $16.0M $41.2M $44.4M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Material agreement signed Item 1.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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