Regional Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Regional Management Corp
RM Stock  USD 39.61  0.25  0.64%   
Regional Management's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Regional Management's valuation are provided below:
Gross Profit
373.5 M
Profit Margin
0.0679
Market Capitalization
393.1 M
Enterprise Value Revenue
3.6575
Revenue
610.1 M
There are over one hundred nineteen available trending fundamental ratios for Regional Management Corp, which can be analyzed over time and compared to other ratios. Self-guided Investors are advised to check out Regional Management's recent fundamentals against the trend between 2010 and 2025 to make sure the company can sustain itself down the road. As of the 30th of December 2025, Market Cap is likely to drop to about 187.2 M. In addition to that, Enterprise Value is likely to drop to about 374.3 M

Regional Management Total Revenue

317.49 Million

Check Regional Management financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Regional Management's main balance sheet or income statement drivers, such as Depreciation And Amortization of 8.1 M, Interest Expense of 78.3 M or Selling General Administrative of 114.7 M, as well as many indicators such as Price To Sales Ratio of 0.53, Dividend Yield of 0.0247 or PTB Ratio of 1.77. Regional financial statements analysis is a perfect complement when working with Regional Management Valuation or Volatility modules.
  
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Check out the analysis of Regional Management Correlation against competitors.

Regional Management Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding8.9 M10.1 M11.1 M
Slightly volatile
Total Assets1.1 B1.9 B960.8 M
Slightly volatile
Short and Long Term Debt Total963.3 M1.5 B881.2 M
Slightly volatile
Total Current Liabilities234 M315.5 M288.8 M
Very volatile
Total Stockholder Equity246 M357.1 M225 M
Slightly volatile
Property Plant And Equipment Net54.7 M52.1 M25.4 M
Slightly volatile
Net Debt772.8 M1.5 B707 M
Slightly volatile
Retained Earnings199.8 M378.5 M182.8 M
Slightly volatile
Accounts Payable25.2 M39.5 M23.1 M
Slightly volatile
Cash5.2 M4 M4.8 M
Slightly volatile
Non Current Assets Total2 B1.9 B657.3 M
Slightly volatile
Other Assets1.9 B1.8 B798.5 M
Slightly volatile
Long Term Debt688.8 M1.2 B630.1 M
Slightly volatile
Cash And Short Term Investments5.2 M4 M4.8 M
Slightly volatile
Net Receivables4.1 M4.3 M36.2 M
Pretty Stable
Common Stock Total Equity1.4 M1.6 M1.3 M
Slightly volatile
Short Term Investments24.7 M23.5 M8.6 M
Slightly volatile
Liabilities And Stockholders Equity1.1 B1.9 B960.8 M
Slightly volatile
Non Current Liabilities Total636.4 M1.2 B582.2 M
Slightly volatile
Total Liabilities804.3 M1.6 B735.8 M
Slightly volatile
Property Plant And Equipment Gross89 M84.8 M31.4 M
Slightly volatile
Total Current Assets11.9 M16.9 M10.9 M
Slightly volatile
Short Term Debt345.3 M315.5 M315.8 M
Very volatile
Common Stock1.4 M1.5 M1.3 M
Slightly volatile
Property Plant Equipment54.7 M52.1 M21.9 M
Slightly volatile
Good Will680.2 K716 K1.6 M
Slightly volatile
Intangible Assets25.8 M24.5 M8.6 M
Slightly volatile
Net Tangible Assets249.2 M341 M227.2 M
Slightly volatile
Capital Surpluse111.5 M130.7 M98.6 M
Slightly volatile
Long Term Investments969.3 M1.7 B890 M
Slightly volatile
Short and Long Term Debt212.9 M315.5 M281.6 M
Slightly volatile
Long Term Debt Total888.7 M1 B688.1 M
Slightly volatile
Other Liabilities638.7 K672.3 K2.8 M
Slightly volatile
Net Invested Capital1.4 B1.8 B1.1 B
Slightly volatile
Capital Stock1.6 M1.5 M1.4 M
Slightly volatile
Capital Lease Obligations37.1 M40.6 M31 M
Slightly volatile
Non Current Liabilities Other34.4 M42.2 M30.9 M
Slightly volatile

Regional Management Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization8.1 M14.1 M7.8 M
Slightly volatile
Interest Expense78.3 M74.5 M32.4 M
Slightly volatile
Selling General Administrative114.7 M202.9 M109.8 M
Slightly volatile
Selling And Marketing Expenses20 M19 M9.3 M
Slightly volatile
Total Revenue317.5 M588.5 M303 M
Slightly volatile
Gross Profit190.6 M301.8 M181.5 M
Slightly volatile
Other Operating Expenses269.8 M534.4 M258.3 M
Slightly volatile
Operating Income47.7 M54.1 M44.7 M
Slightly volatile
EBIT47.7 M54.1 M44.7 M
Slightly volatile
EBITDA55.8 M68.1 M52.5 M
Slightly volatile
Cost Of Revenue301.1 M286.7 M132.5 M
Slightly volatile
Total Operating Expenses142.9 M247.7 M136.7 M
Slightly volatile
Income Before Tax47.7 M54.1 M44.7 M
Slightly volatile
Net Income34.2 M41.2 M32.2 M
Slightly volatile
Income Tax Expense13.5 M12.8 M12.6 M
Pretty Stable
Net Income Applicable To Common Shares35.8 M41.2 M32.7 M
Slightly volatile
Net Income From Continuing Ops38.1 M41.2 M33.7 M
Slightly volatile
Non Recurring223.5 M212.9 M101.2 M
Slightly volatile
Tax Provision10.4 M12.8 M13.4 M
Slightly volatile
Interest Income287.3 M528.9 M186.2 M
Slightly volatile
Net Interest Income353.9 M454.4 M278.5 M
Slightly volatile
Reconciled Depreciation12.8 M14.1 M9.9 M
Slightly volatile

Regional Management Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation11.7 M11.2 M5.3 M
Slightly volatile
Free Cash Flow133.7 M263.9 M127.4 M
Slightly volatile
Begin Period Cash Flow135.1 M128.7 M49.7 M
Slightly volatile
Depreciation8.1 M14.1 M7.8 M
Slightly volatile
Other Non Cash Items206.9 M197 M95.3 M
Slightly volatile
Capital Expenditures6.8 M5.1 M6.5 M
Slightly volatile
Total Cash From Operating Activities140.5 M268.9 M134 M
Slightly volatile
Net Income34.2 M41.2 M32.2 M
Slightly volatile
End Period Cash Flow142.4 M135.6 M58 M
Slightly volatile
Change To Netincome242.5 M230.9 M106.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.530.55661.2104
Slightly volatile
Dividend Yield0.02470.03710.0154
Slightly volatile
PTB Ratio1.770.91741.6175
Slightly volatile
Days Sales Outstanding1.1 K1 K480
Very volatile
Book Value Per Share38.8937.041323.3066
Slightly volatile
Free Cash Flow Yield0.850.80560.4738
Slightly volatile
Operating Cash Flow Per Share29.2927.89713.7199
Slightly volatile
Stock Based Compensation To Revenue0.01190.0190.0147
Slightly volatile
Capex To Depreciation0.340.35920.941
Slightly volatile
PB Ratio1.770.91741.6175
Slightly volatile
EV To Sales3.763.12013.4403
Very volatile
Free Cash Flow Per Share28.7427.372713.1232
Slightly volatile
Net Income Per Share2.344.27672.9667
Slightly volatile
Payables Turnover0.620.65452.8016
Slightly volatile
Sales General And Administrative To Revenue0.30.42090.3804
Very volatile
Capex To Revenue0.00820.00860.0228
Pretty Stable
Cash Per Share0.350.40990.4345
Slightly volatile
POCF Ratio1.161.21812.6137
Slightly volatile
Interest Coverage3.343.97123.0239
Pretty Stable
Payout Ratio0.230.29450.1569
Slightly volatile
Capex To Operating Cash Flow0.01790.01880.0496
Pretty Stable
PFCF Ratio1.181.24142.7584
Slightly volatile
Days Payables Outstanding634558647
Slightly volatile
Income Quality3.636.52314.6103
Slightly volatile
ROE0.20.11550.1799
Slightly volatile
EV To Operating Cash Flow8.136.82787.4366
Very volatile
PE Ratio11.127.945510.2253
Pretty Stable
Return On Tangible Assets0.02080.02190.0394
Slightly volatile
EV To Free Cash Flow8.66.95867.8666
Very volatile
Earnings Yield0.0880.12590.1087
Pretty Stable
Intangibles To Total Assets0.01350.01280.0073
Slightly volatile
Current Ratio0.00730.00760.4575
Slightly volatile
Tangible Book Value Per Share36.2234.497322.446
Slightly volatile
Receivables Turnover0.340.3578145
Pretty Stable
Graham Number62.6959.701738.1737
Slightly volatile
Shareholders Equity Per Share38.8937.041321.8496
Slightly volatile
Debt To Equity2.394.2362.9869
Slightly volatile
Capex Per Share0.460.52430.5911
Slightly volatile
Revenue Per Share64.161.04829.817
Slightly volatile
Interest Debt Per Share17316575.8971
Slightly volatile
Debt To Assets0.580.79230.7129
Pretty Stable
Enterprise Value Over EBITDA9.712.869812.0042
Slightly volatile
Short Term Coverage Ratios0.660.5630.593
Slightly volatile
Price Earnings Ratio11.127.945510.2253
Pretty Stable
Price Book Value Ratio1.770.91741.6175
Slightly volatile
Days Of Payables Outstanding634558647
Slightly volatile
Dividend Payout Ratio0.230.29450.1569
Slightly volatile
Price To Operating Cash Flows Ratio1.161.21812.6137
Slightly volatile
Price To Free Cash Flows Ratio1.181.24142.7584
Slightly volatile
Pretax Profit Margin0.08730.09190.1821
Slightly volatile
Ebt Per Ebit0.170.18270.5697
Slightly volatile
Operating Profit Margin0.340.50290.3023
Slightly volatile
Effective Tax Rate0.330.23760.2988
Slightly volatile
Company Equity Multiplier3.465.34654.2719
Very volatile
Long Term Debt To Capitalization0.550.73790.6553
Slightly volatile
Total Debt To Capitalization0.590.8090.7303
Pretty Stable
Return On Capital Employed0.210.21260.1922
Slightly volatile
Debt Equity Ratio2.394.2362.9869
Slightly volatile
Ebit Per Revenue0.340.50290.3023
Slightly volatile
Quick Ratio0.00730.00760.6483
Pretty Stable
Dividend Paid And Capex Coverage Ratio22.0415.638919.2848
Slightly volatile
Net Income Per E B T0.560.76240.6943
Slightly volatile
Cash Ratio0.00730.00760.0262
Very volatile
Operating Cash Flow Sales Ratio0.520.4570.4666
Pretty Stable
Days Of Sales Outstanding1.1 K1 K480
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.760.98120.9365
Slightly volatile
Cash Flow Coverage Ratios0.220.17780.1971
Pretty Stable
Price To Book Ratio1.770.91741.6175
Slightly volatile
Fixed Asset Turnover18.4511.291516.8755
Slightly volatile
Capital Expenditure Coverage Ratio27.6753.210724.7536
Very volatile
Price Cash Flow Ratio1.161.21812.6137
Slightly volatile
Enterprise Value Multiple9.712.869812.0042
Slightly volatile
Debt Ratio0.580.79230.7129
Pretty Stable
Cash Flow To Debt Ratio0.220.17780.1971
Pretty Stable
Price Sales Ratio0.530.55661.2104
Slightly volatile
Return On Assets0.02050.02160.0392
Slightly volatile
Asset Turnover0.340.30830.3083
Very volatile
Net Profit Margin0.06660.07010.1257
Slightly volatile
Gross Profit Margin0.670.95610.8237
Very volatile
Price Fair Value1.770.91741.6175
Slightly volatile
Return On Equity0.20.11550.1799
Slightly volatile

Regional Management Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap187.2 M327.6 M247.9 M
Pretty Stable
Enterprise Value374.3 M484.4 M502.6 M
Pretty Stable

Regional Fundamental Market Drivers

Forward Price Earnings6.5189
Cash And Short Term Investments4 M

Regional Upcoming Events

7th of February 2024
Upcoming Quarterly Report
View
1st of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
7th of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Regional Management Financial Statements

Regional Management investors utilize fundamental indicators, such as revenue or net income, to predict how Regional Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue184 M236.2 M
Total Revenue588.5 M317.5 M
Cost Of Revenue286.7 M301.1 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.42  0.30 
Capex To Revenue 0.01  0.01 
Revenue Per Share 61.05  64.10 
Ebit Per Revenue 0.50  0.34 

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Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Regional Management. If investors know Regional will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Regional Management listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.868
Dividend Share
1.2
Earnings Share
4.13
Revenue Per Share
63.935
Quarterly Revenue Growth
0.132
The market value of Regional Management Corp is measured differently than its book value, which is the value of Regional that is recorded on the company's balance sheet. Investors also form their own opinion of Regional Management's value that differs from its market value or its book value, called intrinsic value, which is Regional Management's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Regional Management's market value can be influenced by many factors that don't directly affect Regional Management's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Please note, there is a significant difference between Regional Management's value and its price as these two are different measures arrived at by different means. Investors typically determine if Regional Management is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Regional Management's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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