Regional Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Regional Management Corp
RM Stock  USD 32.35  0.53  1.67%   
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
379.1 M
Profit Margin
0.0711
Market Capitalization
314.2 M
Enterprise Value Revenue
3.5524
Revenue
624.5 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 2026 to make sure the company can sustain itself down the road. As of the 3rd of March 2026, Market Cap is likely to drop to about 187.2 M. In addition to that, Enterprise Value is likely to drop to about 404.7 M

Regional Management Total Revenue

340.59 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 8.4 M, Interest Expense of 89.1 M or Selling General Administrative of 122.3 M, as well as many indicators such as Price To Sales Ratio of 0.57, Dividend Yield of 0.0247 or PTB Ratio of 1.64. 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 Outstanding8.8 M9.9 M11.1 M
Slightly volatile
Total Assets1.1 B2.2 B1 B
Slightly volatile
Short and Long Term Debt Total1 B1.7 B934.8 M
Slightly volatile
Total Current Liabilities231.1 M235.7 M285.5 M
Pretty Stable
Total Stockholder Equity256.2 M373.1 M234.3 M
Slightly volatile
Property Plant And Equipment Net59.8 M57 M27.5 M
Slightly volatile
Net Debt837 M1.6 B765.4 M
Slightly volatile
Retained Earnings215.5 M410.7 M197.1 M
Slightly volatile
Accounts Payable26.3 M39.4 M24.1 M
Slightly volatile
Cash102.9 M98 M16 M
Slightly volatile
Non Current Assets Total195.1 M205.3 M525.3 M
Slightly volatile
Other Assets2.2 B2.1 B892.9 M
Slightly volatile
Long Term Debt1.7 B1.6 B750.5 M
Slightly volatile
Cash And Short Term Investments102.9 M98 M16 M
Slightly volatile
Net Receivables2 B1.9 B258.9 M
Slightly volatile
Common Stock Total Equity1.4 M1.6 M1.3 M
Slightly volatile
Short Term Investments24.7 M23.5 M9.3 M
Slightly volatile
Liabilities And Stockholders Equity1.1 B2.2 B1 B
Slightly volatile
Non Current Liabilities Total1.7 B1.6 B700.4 M
Slightly volatile
Total Liabilities1.9 B1.8 B863.5 M
Slightly volatile
Property Plant And Equipment Gross102.3 M97.5 M36.1 M
Slightly volatile
Total Current Assets2.1 B2 B248.1 M
Slightly volatile
Short Term Debt247.2 M235.7 M305.4 M
Pretty Stable
Common Stock1.4 M1.5 M1.3 M
Slightly volatile
Property Plant Equipment59.8 M57 M24.3 M
Slightly volatile
Good Will782.2 K823.4 K1.6 M
Slightly volatile
Intangible Assets33.4 M31.8 M10.4 M
Slightly volatile
Net Tangible Assets249.2 M341 M231.3 M
Slightly volatile
Capital Surpluse114.6 M138.7 M101.1 M
Slightly volatile
Long Term Investments969.3 M1.7 B924.1 M
Slightly volatile
Short and Long Term Debt212.9 M283.9 M281.7 M
Slightly volatile
Long Term Debt Total972.1 M1.6 B749.2 M
Slightly volatile
Other Liabilities638.7 K672.3 K2.7 M
Slightly volatile
Net Invested Capital1.4 B2.1 B1.2 B
Slightly volatile
Capital Stock1.6 M1.7 M1.4 M
Slightly volatile
Capital Lease Obligations37.1 M46.7 M31.9 M
Slightly volatile
Non Current Liabilities Other34.4 M42.2 M31.3 M
Slightly volatile

Regional Management Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization8.4 M11.7 M8 M
Slightly volatile
Interest Expense89.1 M84.8 M36.2 M
Slightly volatile
Selling General Administrative122.3 M221.9 M116.9 M
Slightly volatile
Selling And Marketing Expenses9.6 M18.6 M9.2 M
Slightly volatile
Total Revenue340.6 M645.6 M324.6 M
Slightly volatile
Gross Profit201.3 M337.9 M191.3 M
Slightly volatile
Other Operating Expenses290.5 M565.2 M277.6 M
Slightly volatile
Operating Income50.1 M80.4 M47 M
Slightly volatile
EBIT50.1 M80.4 M47 M
Slightly volatile
EBITDA58.5 M92.1 M55 M
Slightly volatile
Cost Of Revenue323 M307.6 M144.1 M
Slightly volatile
Total Operating Expenses151.2 M257.6 M144.3 M
Slightly volatile
Income Before Tax48.6 M57.8 M45.6 M
Slightly volatile
Net Income35 M44.4 M32.9 M
Slightly volatile
Income Tax Expense13.6 M13.4 M12.6 M
Pretty Stable
Net Income Applicable To Common Shares36.6 M44.4 M33.5 M
Slightly volatile
Net Income From Continuing Ops38.1 M47.4 M34.5 M
Slightly volatile
Non Recurring223.5 M212.9 M106.2 M
Slightly volatile
Tax Provision10.4 M13.4 M13.4 M
Slightly volatile
Interest Income80.6 M84.8 M168.1 M
Slightly volatile
Net Interest Income353.9 M522.5 M292.8 M
Slightly volatile
Reconciled Depreciation12.8 M16.2 M10.2 M
Slightly volatile

Regional Management Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation13.5 M12.8 M5.9 M
Slightly volatile
Free Cash Flow319.5 M304.3 M148.8 M
Slightly volatile
Begin Period Cash Flow142.4 M135.6 M55.2 M
Slightly volatile
Depreciation17 M16.2 M8.8 M
Slightly volatile
Other Non Cash Items277.9 M264.7 M109.4 M
Slightly volatile
Capital Expenditures6.7 M4.8 M6.4 M
Slightly volatile
Total Cash From Operating Activities324.5 M309.1 M155.1 M
Slightly volatile
Net Income35.1 M44.4 M33 M
Slightly volatile
End Period Cash Flow57.2 M98 M55.3 M
Slightly volatile
Change To Netincome242.5 M230.9 M112 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.570.5961.0916
Slightly volatile
Dividend Yield0.02470.0310.0163
Slightly volatile
PTB Ratio1.641.03131.497
Slightly volatile
Days Sales Outstanding1.1 K1.1 K131
Slightly volatile
Book Value Per Share39.4537.572222.8762
Slightly volatile
Free Cash Flow Yield0.830.79080.4915
Slightly volatile
Operating Cash Flow Per Share32.6831.124914.9506
Slightly volatile
Stock Based Compensation To Revenue0.01040.01710.0136
Slightly volatile
Capex To Depreciation0.390.410.9193
Slightly volatile
PB Ratio1.641.03131.497
Slightly volatile
EV To Sales3.663.13043.3517
Slightly volatile
Free Cash Flow Per Share32.1830.645214.3604
Slightly volatile
Net Income Per Share2.424.47253.0556
Slightly volatile
Payables Turnover4.997.046.4909
Slightly volatile
Sales General And Administrative To Revenue0.280.34380.3523
Very volatile
Capex To Revenue0.0070.00740.0206
Slightly volatile
Cash Per Share10.369.86881.576
Slightly volatile
POCF Ratio1.181.2452.5316
Slightly volatile
Interest Coverage0.90.94751.81
Slightly volatile
Payout Ratio0.230.26830.1635
Slightly volatile
Capex To Operating Cash Flow0.01460.01540.0478
Slightly volatile
PFCF Ratio1.21.26452.6699
Slightly volatile
Days Payables Outstanding66.2253.6957.8014
Slightly volatile
Income Quality3.756.95924.76
Slightly volatile
ROE0.190.1190.1669
Slightly volatile
EV To Operating Cash Flow8.376.53867.6592
Slightly volatile
PE Ratio11.048.66410.144
Pretty Stable
Return On Tangible Assets0.01960.02060.0381
Slightly volatile
EV To Free Cash Flow8.836.6418.0803
Slightly volatile
Earnings Yield0.0880.11540.1088
Pretty Stable
Intangibles To Total Assets0.01530.01460.0079
Slightly volatile
Net Debt To EBITDA10.9117.768213.4779
Slightly volatile
Current Ratio8.818.39391.0536
Slightly volatile
Tangible Book Value Per Share36.0934.371721.8268
Slightly volatile
Receivables Turnover0.330.3459184
Pretty Stable
Graham Number64.5661.489439.7453
Slightly volatile
Shareholders Equity Per Share39.4537.572222.8762
Slightly volatile
Debt To Equity2.544.64793.1411
Slightly volatile
Capex Per Share0.460.47970.5879
Slightly volatile
Revenue Per Share68.2665.012433.1283
Slightly volatile
Interest Debt Per Share19218384.5377
Slightly volatile
Debt To Assets0.580.79410.7187
Pretty Stable
Enterprise Value Over EBITDA15.3521.94718.9604
Slightly volatile
Short Term Coverage Ratios1.381.31120.6026
Slightly volatile
Price Earnings Ratio11.048.66410.144
Pretty Stable
Price Book Value Ratio1.641.03131.497
Slightly volatile
Days Of Payables Outstanding66.2253.6957.8014
Slightly volatile
Dividend Payout Ratio0.230.26830.1635
Slightly volatile
Price To Operating Cash Flows Ratio1.181.2452.5316
Slightly volatile
Price To Free Cash Flows Ratio1.21.26452.6699
Slightly volatile
Pretax Profit Margin0.0850.08950.1637
Slightly volatile
Ebt Per Ebit0.580.650.7068
Slightly volatile
Operating Profit Margin0.20.12450.1726
Slightly volatile
Effective Tax Rate0.330.23130.2954
Slightly volatile
Company Equity Multiplier3.435.85344.2412
Slightly volatile
Long Term Debt To Capitalization0.490.79560.5398
Slightly volatile
Total Debt To Capitalization0.60.82290.7383
Pretty Stable
Return On Capital Employed0.03920.04120.1324
Slightly volatile
Debt Equity Ratio2.544.64793.1411
Slightly volatile
Ebit Per Revenue0.20.12450.1726
Slightly volatile
Quick Ratio8.818.39391.1501
Slightly volatile
Dividend Paid And Capex Coverage Ratio21.7918.530519.0911
Slightly volatile
Net Income Per E B T0.560.76870.6981
Slightly volatile
Cash Ratio0.440.41570.0647
Slightly volatile
Operating Cash Flow Sales Ratio0.350.47880.4315
Pretty Stable
Days Of Sales Outstanding1.1 K1.1 K131
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.760.98460.9389
Pretty Stable
Cash Flow Coverage Ratios0.220.17820.1987
Slightly volatile
Price To Book Ratio1.641.03131.497
Slightly volatile
Fixed Asset Turnover19.7111.32918.0212
Slightly volatile
Capital Expenditure Coverage Ratio68.1364.889829.36
Slightly volatile
Price Cash Flow Ratio1.181.2452.5316
Slightly volatile
Enterprise Value Multiple15.3521.94718.9604
Slightly volatile
Debt Ratio0.580.79410.7187
Pretty Stable
Cash Flow To Debt Ratio0.220.17820.1987
Slightly volatile
Price Sales Ratio0.570.5961.0916
Slightly volatile
Return On Assets0.01930.02030.0379
Slightly volatile
Asset Turnover0.360.29560.3272
Slightly volatile
Net Profit Margin0.130.06880.1173
Slightly volatile
Gross Profit Margin0.680.52350.6217
Slightly volatile
Price Fair Value1.641.03131.497
Slightly volatile
Return On Equity0.190.1190.1669
Slightly volatile

Regional Management Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap187.2 M294.8 M250.7 M
Pretty Stable
Enterprise Value404.7 M484.4 M517.7 M
Very volatile

Regional Fundamental Market Drivers

Forward Price Earnings6.5189
Cash And Short Term Investments98 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 Revenue645.6 M340.6 M
Cost Of Revenue307.6 M323 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.34  0.28 
Capex To Revenue 0.01  0.01 
Revenue Per Share 65.01  68.26 
Ebit Per Revenue 0.12  0.20 

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How To Invest In Regional
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Check out the analysis of Regional Management Correlation against competitors.
You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.
Will Consumer Finance sector continue expanding? Could Regional diversify its offerings? Factors like these will boost the valuation of Regional Management. Anticipated expansion of Regional directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Regional Management data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
0.325
Dividend Share
1.2
Earnings Share
4.45
Revenue Per Share
66.241
Quarterly Revenue Growth
0.096
Regional Management Corp's market price often diverges from its book value, the accounting figure shown on Regional's balance sheet. Smart investors calculate Regional Management's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Regional Management's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
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It's important to distinguish between Regional Management's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Regional Management should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. 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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