Regional Management Corp. financials
Source: EDGAR filings · Built 2026-06-02T03:57:18Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 304.31M | 263.87M | 244.47M | 218.46M | 185.43M | 161.05M |
| Net Debt | 1.68B | 1.51B | 1.43B | 1.38B | 1.12B | 783.40M |
| Net Margin | 6.88% | 7.01% | 2.89% | 10.10% | 20.70% | 7.15% |
| Return on Equity (ROE) | 11.90% | 11.55% | 4.95% | 16.60% | 31.37% | 9.82% |
| Return on Assets (ROA) | 2.11% | 2.16% | 0.89% | 2.97% | 6.08% | 2.42% |
| Debt-to-Equity | 4.52× | 4.24× | 4.44× | 4.48× | 3.99× | 2.91× |
| Effective Tax Rate | 23.13% | 23.76% | 23.22% | 21.58% | 21.15% | 25.60% |
| Cash Conversion Ratio | 6.96× | 6.52× | 15.61× | 4.38× | 2.13× | 6.17× |
| Accruals Ratio | -0.13× | -0.12× | -0.13× | -0.10× | -0.07× | -0.13× |
| SBC % of Revenue | 1.84% | 1.90% | 2.13% | 2.12% | 1.73% | 1.50% |
| CapEx Coverage | 64.89× | 53.21× | 53.10× | 38.19× | 52.68× | 41.95× |
| Free Cash Flow Per Share | $30.48 | $26.50 | $0.03 | $22.62 | $17.42 | $14.45 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 8.71× | 8.21× | 15.11× | 5.30× | 6.90× | 12.44× |
| P/FCF | 1.27× | 1.28× | 983.53× | 1.24× | 3.30× | 2.07× |
| FCF Yield | 78.66% | 77.99% | 0.10% | 80.57% | 30.32% | 48.39% |
| P/S | 0.57× | 0.58× | 0.44× | 0.53× | 1.31× | 0.87× |
| P/B | 0.99× | 0.95× | 0.76× | 0.87× | 1.99× | 1.20× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenues | 645.60M | 588.50M | 551.40M | 507.19M | 428.35M | 373.91M |
| Income Tax Expense (Benefit) | 13.37M | 12.85M | 4.83M | 14.10M | 23.79M | 9.20M |
| Net Income (Loss) Attributable to Parent | 44.41M | 41.23M | 15.96M | 51.22M | 88.69M | 26.73M |
| Earnings Per Share, Basic | $4.71 | $4.28 | $1.70 | $5.51 | $8.84 | $2.45 |
| Weighted Average Number of Shares Outstanding, Basic | 9.43M | 9.64M | 9.40M | 9.30B | 10.03M | 10.93M |
| Earnings Per Share, Diluted | $4.45 | $4.14 | $1.66 | $5.30 | $8.33 | $2.40 |
| Weighted Average Number of Shares Outstanding, Diluted | 9.98M | 9.96M | 9.59B | 9.66M | 10.64M | 11.14M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Assets | 2.10B | 1.91B | 1.79B | 1.72B | 1.46B | 1.10B |
| Long-term Debt | 1.64B | 1.47B | 1.40B | 1.35B | 1.10B | 762.25M |
| Liabilities | 1.73B | 1.55B | 1.47B | 1.42B | 1.18B | 831.73M |
| Stockholders' Equity Attributable to Parent | 373.09M | 357.08M | 322.27M | 308.63M | 282.74M | 272.12M |
| Common Stock, Shares, Outstanding | 9.55M | 10.01M | 9.76M | 9.52M | 9.79M | 10.93M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 309.07M | 268.93M | 249.17M | 224.33M | 189.01M | 164.98M |
| Payments to Acquire Property, Plant, and Equipment | 4.76M | 5.05M | 4.69M | 5.87M | 3.59M | 3.93M |
| Net Cash Provided by (Used in) Investing Activities | -471.18M | -315.37M | -278.72M | -447.29M | -355.06M | -91.68M |
| Payments for Repurchase of Common Stock | 23.98M | 3.54M | — | 20.61M | 67.44M | 12.01M |
| Net Cash Provided by (Used in) Financing Activities | 124.47M | 53.41M | 26.43M | 205.57M | 243.36M | -57.85M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 79.90M | 78.61M | 225.70M | 140.03M | 62.39M | 62.33M |
| Net Debt | 1.66B | 1.68B | 1.61B | 1.54B | 1.51B | 1.51B |
| Net Margin | 6.82% | 7.61% | 8.68% | 6.44% | 4.58% | 6.40% |
| Return on Equity (ROE) | 3.03% | 3.46% | 3.86% | 2.79% | 1.96% | 2.78% |
| Return on Assets (ROA) | 0.55% | 0.61% | 0.71% | 0.52% | 0.37% | 0.52% |
| Debt-to-Equity | 4.42× | 4.52× | 4.35× | 4.26× | 4.23× | 4.24× |
| Effective Tax Rate | 23.15% | 20.11% | 24.34% | 24.80% | 23.51% | 22.27% |
| Cash Conversion Ratio | 7.11× | 6.20× | 15.95× | 14.04× | 9.09× | 6.44× |
| Accruals Ratio | -0.03× | -0.03× | -0.11× | -0.07× | -0.03× | -0.03× |
| SBC % of Revenue | 1.14% | 1.65% | 5.47% | 4.00% | 2.29% | 1.52% |
| CapEx Coverage | 72.98× | 54.99× | 69.25× | 62.07× | 49.93× | 42.11× |
| Free Cash Flow Per Share | $8.27 | $7.87 | $22.27 | $14.23 | $6.22 | $6.26 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 6.54× | 8.71× | 9.43× | 8.42× | 9.12× | 8.17× |
| P/S | 0.46× | 0.57× | 0.61× | 0.48× | 0.51× | 0.58× |
| P/B | 0.80× | 0.99× | 1.03× | 0.80× | 0.85× | 0.95× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Revenues | 167.29M | 169.70M | 165.49M | 157.44M | 152.97M | 154.83M |
| Income Tax Expense (Benefit) | 3.43M | 3.25M | 4.62M | 3.34M | 2.15M | 2.84M |
| Net Income (Loss) Attributable to Parent | 11.40M | 12.91M | 14.36M | 10.14M | 7.01M | 9.91M |
| Earnings Per Share, Basic | $1.24 | $1.39 | $1.53 | $1.07 | $0.73 | $1.03 |
| Weighted Average Number of Shares Outstanding, Basic | 9.16B | 9.43M | 9.37M | 9.50M | 9.61M | 9.64M |
| Earnings Per Share, Diluted | $1.18 | $1.30 | $1.42 | $1.03 | $0.70 | $0.98 |
| Weighted Average Number of Shares Outstanding, Diluted | 9.66M | 9.98M | 10.13M | 9.84M | 10.03M | 9.96M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Assets | 2.07B | 2.10B | 2.03B | 1.97B | 1.90B | 1.91B |
| Long-term Debt | 1.61B | 1.64B | 1.57B | 1.50B | 1.47B | 1.47B |
| Liabilities | 1.70B | 1.73B | 1.66B | 1.60B | 1.54B | 1.55B |
| Stockholders' Equity Attributable to Parent | 375.85M | 373.09M | 371.92M | 362.95M | 357.88M | 357.08M |
| Common Stock, Shares, Outstanding | 9.34M | 9.55M | 9.80M | 9.96M | 10.09M | 10.01M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 81.01M | 80.06M | 229.01M | 142.32M | 63.66M | 63.84M |
| Payments to Acquire Property, Plant, and Equipment | 1.11M | 1.46M | 3.31M | 2.29M | 1.27M | 1.52M |
| Net Cash Provided by (Used in) Investing Activities | -34.82M | -143.17M | -328.01M | -165.38M | -60.27M | -118.97M |
| Payments for Repurchase of Common Stock | 7.51M | 7.51M | 16.48M | 11.47M | 6.47M | — |
| Net Cash Provided by (Used in) Financing Activities | -40.96M | 52.56M | 71.92M | 9.35M | -12.56M | 70.45M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (RM CIK 0001519401),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.