Regional Historical Income Statement

RM Stock  USD 31.07  0.35  1.14%   
Historical analysis of Regional Management income statement accounts such as Total Revenue of 579 M, Gross Profit of 242.8 M or Other Operating Expenses of 486.3 M can show how well Regional Management Corp performed in making a profits. Evaluating Regional Management income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Regional Management's future profits or losses.
 
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Financial Statement Analysis is much more than just reviewing and examining Regional Management Corp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Regional Management Corp is a good buy for the upcoming year.
  
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.

About Regional Income Statement Analysis

Regional Management Corp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Regional Management shareholders. The income statement also shows Regional investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Regional Management Income Statement Chart

At this time, Regional Management's Total Operating Expenses is very stable compared to the past year. As of the 27th of November 2024, Cost Of Revenue is likely to grow to about 231 M, while Selling And Marketing Expenses is likely to drop about 8.2 M.

Total Revenue

Total revenue comprises all receipts Regional Management Corp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Regional Management Corp minus its cost of goods sold. It is profit before Regional Management operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.
Most accounts from Regional Management's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Regional Management Corp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
At this time, Regional Management's Total Operating Expenses is very stable compared to the past year. As of the 27th of November 2024, Cost Of Revenue is likely to grow to about 231 M, while Selling And Marketing Expenses is likely to drop about 8.2 M.
 2021 2022 2023 2024 (projected)
Interest Expense31.3M34.2M67.5M70.8M
Depreciation And Amortization283.1M407.6M14.6M13.9M

Regional Management income statement Correlations

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0.170.950.670.930.660.930.89-0.030.470.14-0.05-0.890.05-0.380.55-0.030.93-0.670.710.790.850.8
0.370.950.820.990.760.990.87-0.220.620.180.11-0.870.2-0.230.560.120.96-0.530.690.880.880.72
0.660.670.820.850.910.840.54-0.510.810.00.47-0.610.540.130.280.460.74-0.130.650.90.830.45
0.430.930.990.850.780.990.84-0.270.670.160.19-0.870.28-0.170.550.190.96-0.470.670.910.890.68
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0.620.050.20.540.280.630.2-0.05-0.480.81-0.450.990.040.78-0.370.980.040.620.290.410.29-0.29
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-0.10.550.560.280.550.030.570.740.180.140.76-0.42-0.68-0.37-0.51-0.430.67-0.610.030.440.330.71
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0.210.710.690.650.670.750.650.55-0.090.5-0.310.22-0.50.29-0.060.030.240.57-0.280.620.720.57
0.630.790.880.90.910.760.890.7-0.480.730.010.31-0.810.41-0.080.440.370.89-0.290.620.940.6
0.590.850.880.830.890.770.890.67-0.480.56-0.170.2-0.790.29-0.190.330.240.88-0.410.720.940.61
-0.150.80.720.450.680.280.670.90.260.250.36-0.35-0.79-0.29-0.530.71-0.330.74-0.680.570.60.61
Click cells to compare fundamentals

Regional Management Account Relationship Matchups

Regional Management income statement Accounts

201920202021202220232024 (projected)
Depreciation And Amortization171.9K299.2M283.1M407.6M14.6M13.9M
Interest Expense40.1M37.9M31.3M34.2M67.5M70.8M
Selling General Administrative124.2M143.3M157.0M183.3M243.1M255.3M
Selling And Marketing Expenses8.2M10.4M14.4M15.4M15.8M8.2M
Total Revenue315.6M336.1M397.0M473.0M551.4M579.0M
Gross Profit309.1M328.9M385.3M307.9M331.4M242.8M
Other Operating Expenses256.6M300.1M284.5M403.0M463.2M486.3M
Operating Income59.0M35.9M112.5M99.5M267.5M280.9M
Ebit69.7M(250.0M)(126.3M)(295.4M)88.2M92.7M
Ebitda69.8M49.2M156.9M112.2M102.9M76.5M
Total Operating Expenses(256.6M)(300.1M)(284.5M)237.9M243.1M255.3M
Income Before Tax59.0M35.9M112.5M65.3M20.8M19.7M
Total Other Income Expense Net(139.5M)(38.8M)(21.0M)(180.2M)(246.7M)(234.4M)
Net Income44.7M26.7M88.7M51.2M16.0M15.2M
Income Tax Expense14.3M9.2M23.8M14.1M4.8M4.6M
Cost Of Revenue6.5M7.2M11.7M165.1M220.0M231.0M
Net Income Applicable To Common Shares44.7M26.7M88.7M51.2M58.9M36.4M
Net Income From Continuing Ops44.7M26.7M88.7M51.2M16.0M15.2M
Research Development0.170.10.260.130.040.0641
Non Recurring99.6M123.8M89.0M185.1M212.9M223.5M
Tax Provision14.3M9.2M23.8M14.1M4.8M4.6M
Interest Income321.2M335.2M382.5M34.2M489.7M254.5M
Net Interest Income281.0M297.4M351.2M416.6M422.2M335.7M
Reconciled Depreciation10.9M13.3M11.7M12.7M14.6M12.5M

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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
(0.17)
Dividend Share
1.2
Earnings Share
2.37
Revenue Per Share
58.139
Quarterly Revenue Growth
0.036
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.
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.