Regional Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Regional Management Corp
RM Stock  USD 34.74  0.81  2.28%   
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
337.4 M
Enterprise Value Revenue
3.6022
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 11th of February 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 17 M, Interest Expense of 90 M or Selling General Administrative of 121.3 M, as well as many indicators such as Price To Sales Ratio of 0.54, Dividend Yield of 0.0247 or PTB Ratio of 1.63. 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 M10 M11.1 M
Slightly volatile
Total Assets1.1 B2.1 B1 B
Slightly volatile
Short and Long Term Debt Total1 B1.7 B934.8 M
Slightly volatile
Total Current Liabilities234 M283.9 M288.5 M
Very volatile
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 Payable25.2 M45.4 M24.4 M
Slightly volatile
Cash102.9 M98 M16 M
Slightly volatile
Non Current Assets Total2.3 B2.2 B764.1 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 B2.1 B1 B
Slightly volatile
Non Current Liabilities Total1.5 B1.4 B682 M
Slightly volatile
Total Liabilities873.1 M1.7 B798.4 M
Slightly volatile
Property Plant And Equipment Gross102.3 M97.5 M36.1 M
Slightly volatile
Total Current Assets11.9 M19.5 M11.4 M
Slightly volatile
Short Term Debt345.3 M362.8 M318.6 M
Very volatile
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 Amortization17 M16.2 M8.8 M
Slightly volatile
Interest Expense90 M85.7 M36.3 M
Slightly volatile
Selling General Administrative121.3 M206.4 M115.9 M
Slightly volatile
Selling And Marketing Expenses22.9 M21.9 M10.2 M
Slightly volatile
Total Revenue340.6 M645.6 M324.6 M
Slightly volatile
Gross Profit677.9 M645.6 M237.4 M
Slightly volatile
Other Operating Expenses286.5 M503 M273.7 M
Slightly volatile
Operating Income149.7 M142.6 M56.5 M
Slightly volatile
EBIT47.7 M62.2 M45.8 M
Slightly volatile
EBITDA149.7 M142.6 M63.3 M
Slightly volatile
Cost Of Revenue346.2 M329.7 M146.7 M
Slightly volatile
Total Operating Expenses528.2 M503 M180.9 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 Flow318.6 M303.5 M148.7 M
Slightly volatile
Begin Period Cash Flow155.4 M148 M56.6 M
Slightly volatile
Depreciation17 M16.2 M8.8 M
Slightly volatile
Other Non Cash Items237.9 M226.6 M104.8 M
Slightly volatile
Capital Expenditures6.8 M5.8 M6.5 M
Slightly volatile
Total Cash From Operating Activities324.7 M309.3 M155.1 M
Slightly volatile
Net Income34.2 M47.4 M33.1 M
Slightly volatile
End Period Cash Flow163.8 M156 M65 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 Ratio0.540.56591.088
Slightly volatile
Dividend Yield0.02470.0310.0163
Slightly volatile
PTB Ratio1.630.97921.4933
Slightly volatile
Days Sales Outstanding1.1 K1.1 K131
Slightly volatile
Book Value Per Share41.5539.572823.1174
Slightly volatile
Free Cash Flow Yield0.760.720.4832
Slightly volatile
Operating Cash Flow Per Share26.3625.1114.2251
Slightly volatile
Stock Based Compensation To Revenue0.01040.01710.0136
Slightly volatile
Capex To Depreciation0.390.410.9193
Slightly volatile
PB Ratio1.630.97921.4933
Slightly volatile
EV To Sales3.663.10013.3499
Slightly volatile
Free Cash Flow Per Share25.8724.6413.6359
Slightly volatile
Net Income Per Share2.424.71063.0696
Slightly volatile
Payables Turnover4.364.915.3551
Slightly volatile
Sales General And Administrative To Revenue0.280.310.3503
Very volatile
Capex To Revenue0.00730.00770.0206
Slightly volatile
Cash Per Share10.9110.39431.6393
Slightly volatile
POCF Ratio1.331.42.5496
Slightly volatile
Interest Coverage0.790.831.7966
Slightly volatile
Payout Ratio0.220.25470.1621
Slightly volatile
Capex To Operating Cash Flow0.02050.02160.0485
Slightly volatile
PFCF Ratio1.361.432.689
Slightly volatile
Days Payables Outstanding73.6676.9767.942
Slightly volatile
Income Quality3.635.874.6889
Slightly volatile
ROE0.190.1190.1669
Slightly volatile
EV To Operating Cash Flow8.467.857.7416
Slightly volatile
PE Ratio11.028.22610.1171
Slightly volatile
Return On Tangible Assets0.02040.02140.0382
Slightly volatile
EV To Free Cash Flow8.948.08.1667
Slightly volatile
Earnings Yield0.0880.12160.1092
Pretty Stable
Intangibles To Total Assets0.01590.01510.008
Slightly volatile
Net Debt To EBITDA10.611.474213.0894
Slightly volatile
Current Ratio0.03780.04830.0467
Slightly volatile
Tangible Book Value Per Share38.0136.201822.0474
Slightly volatile
Receivables Turnover0.330.3459184
Pretty Stable
Graham Number68.064.763440.1402
Slightly volatile
Shareholders Equity Per Share41.5539.572823.1174
Slightly volatile
Debt To Equity2.544.64793.1411
Slightly volatile
Capex Per Share0.460.470.5874
Slightly volatile
Revenue Per Share71.968.476733.5462
Slightly volatile
Interest Debt Per Share19318484.6293
Slightly volatile
Debt To Assets0.580.82420.7205
Pretty Stable
Enterprise Value Over EBITDA14.9514.036318.4715
Slightly volatile
Short Term Coverage Ratios0.420.770.5143
Slightly volatile
Price Earnings Ratio11.028.22610.1171
Slightly volatile
Price Book Value Ratio1.630.97921.4933
Slightly volatile
Days Of Payables Outstanding73.6676.9767.942
Slightly volatile
Dividend Payout Ratio0.220.25470.1621
Slightly volatile
Price To Operating Cash Flows Ratio1.331.42.5496
Slightly volatile
Price To Free Cash Flows Ratio1.361.432.689
Slightly volatile
Pretax Profit Margin0.0850.08950.1637
Slightly volatile
Ebt Per Ebit0.330.360.3981
Slightly volatile
Operating Profit Margin0.20.22090.1782
Slightly volatile
Effective Tax Rate0.330.23130.2954
Slightly volatile
Company Equity Multiplier3.425.63924.228
Slightly volatile
Long Term Debt To Capitalization0.490.8190.5411
Slightly volatile
Total Debt To Capitalization0.60.82290.7383
Pretty Stable
Return On Capital Employed0.06440.06780.1355
Slightly volatile
Debt Equity Ratio2.544.64793.1411
Slightly volatile
Ebit Per Revenue0.20.22090.1782
Slightly volatile
Quick Ratio0.04590.04830.1437
Very volatile
Dividend Paid And Capex Coverage Ratio21.8817.9819.064
Slightly volatile
Net Income Per E B T0.560.76870.6981
Slightly volatile
Cash Ratio0.0130.01130.0158
Pretty Stable
Operating Cash Flow Sales Ratio0.350.410.4275
Very volatile
Days Of Sales Outstanding1.1 K1.1 K131
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.760.880.9328
Slightly volatile
Cash Flow Coverage Ratios0.220.20.1999
Slightly volatile
Price To Book Ratio1.630.97921.4933
Slightly volatile
Fixed Asset Turnover19.7111.329518.0213
Slightly volatile
Capital Expenditure Coverage Ratio64.2561.1928.9141
Slightly volatile
Price Cash Flow Ratio1.331.42.5496
Slightly volatile
Enterprise Value Multiple14.9514.036318.4715
Slightly volatile
Debt Ratio0.580.82420.7205
Pretty Stable
Cash Flow To Debt Ratio0.220.20.1999
Slightly volatile
Price Sales Ratio0.540.56591.088
Slightly volatile
Return On Assets0.02010.02110.038
Slightly volatile
Asset Turnover0.360.30690.3279
Slightly volatile
Net Profit Margin0.130.06880.1173
Slightly volatile
Gross Profit Margin0.690.590.6262
Slightly volatile
Price Fair Value1.630.97921.4933
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 Revenue329.7 M346.2 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.31  0.28 
Capex To Revenue 0.01  0.01 
Revenue Per Share 68.48  71.90 
Ebit Per Revenue 0.22  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 Money Managers module to screen money managers from public funds and ETFs managed around the world.
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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