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Regional Management Corp.

RM

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Assets
Cash
754444454457
Notes Receivable Gross
2,1482,1042,1402,0531,9601,8901,8931,8201,7741,7441,7711,751
Loans And Leases Receivable Net Of Deferred Income
---------1,7441,7711,751
Unearned Premiums
-51-51-53-51-49-47-48-47-46-46-48-49
Financing Receivable Allowance For Credit Losses
-224-220-221-212-203-199-200-192-185-187-187-185
Loans And Leases Receivable Allowance
----------187-187-185
Loans And Leases Receivable Net Reported Amount
---------1,5121,5361,517
Notes Receivable Net
1,8741,8331,8661,7901,7091,6441,6451,5811,542-1,536-
Restricted Cash And Cash Equivalents
1129894104118122132116139118124117
Operating Lease Right Of Use Asset
454444414341383735333435
Intangible Assets Net Including Goodwill
353332302927252219171615
Debt Securities Available For Sale Restricted
24242422222222222232323
Property Plant And Equipment Net
131313131314141313131414
Deferred Income Tax Assets Net
---18991212131414
Other Assets
212127232118211421232923
Assets
2,1302,0732,1042,0281,9671,9011,9091,8221,7891,9001,7951,765
Liabilities
Debt Instrument Carrying Amount
1,6761,6211,6511,5821,5091,4781,4781,3961,3781,3591,4001,373
Debt Instrument Unamortized Discount Premium And D…
-6-7-9-8-7-8-6-5-6-4-5-6
Long Term Debt
1,6701,6141,6421,5741,5021,4701,4721,3911,3731,3551,3951,367
Operating Lease Liability
474646434543413937363737
Other Liabilities
---395730------
Deferred Income Tax Liabilities Net
343---------
Accounts Payable And Accrued Liabilities Current A…
313239---393834304031
Liabilities
1,7511,6971,7311,6561,6041,5431,5521,4691,4441,4201,4721,435
Stockholders Equity
Common Stock Value
222222111111
Additional Paid In Capital Common Stock
143141139140137134131130126124122120
Retained Earnings Accumulated Deficit
424419411401390383378372367362350360
Accumulated Other Comprehensive Income Loss Net Of…
-0-0-0-0-0-00-0-0-0-0-0
Treasury Stock Value
-190-185-178-170-165-160-154-150-150-150-150-150
Stockholders Equity
378376373372363358357353345336322331
Liabilities And Stockholders Equity
2,1302,0732,1042,0281,9671,9011,9091,8221,7891,7571,7951,765
Preferred Stock Par Or Stated Value Per Share
0.10.10.10.10.10.10.10.10.10.10.10.1
Preferred Stock Shares Authorized
100100100100100100100100100100100100
Preferred Stock Shares Issued
000000000000
Preferred Stock Shares Outstanding
000000000000
Common Stock Par Or Stated Value Per Share
0.10.10.10.10.10.10.10.10.10.10.10.1
Common Stock Shares Authorized
1,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,000
Common Stock Shares Issued
151515151515151515151515
Shares Outstanding
9910101010101010101010
Treasury Stock Common Shares
666555555555

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
20262.10%7.42%20.30%---------
2025-3.47%3.35%18.58%24.51%35.79%19.72%4.36%10.07%1.26%-10.75%5.09%2.14%
2024-3.08%-2.12%7.58%7.86%8.66%7.09%-0.54%9.85%18.35%-13.07%-13.25%-15.70%
2023----9.81%-14.54%-19.74%-4.29%16.92%9.38%2.94%9.84%31.81%

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Performance and Valuation Metrics

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Metrics
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Leverage & Debt
Interest Coverage TTM
-0.33
-0.28
-0.32
-0.34
-0.43
-0.44
-0.27
-0.56
-0.53
-0.57
-0.69
-0.51
Efficiency & Turnover
Days Sales Outstanding TTM
-
-
-
-
-
-
-
-
-
962.39
994.82
975.35
Receivables Turnover TTM
-
-
-
-
-
-
-
-
-
0.38
0.37
0.37
Per Share Metrics
Diluted EPS TTM
4.87
5.05
4.45
4.09
3.53
3.29
4.14
2.35
2.52
2.31
1.66
2.69
Free Cash Flow Per Share TTM
35.99
35.12
32.28
30.74
29.06
27.97
27.37
27.61
27.08
26.22
26.01
24.97
Dividend Per Share TTM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin Metrics
Gross Profit Margin TTM
76.33%
76.08%
75.27%
74.67%
74.07%
73.69%
73.87%
73.01%
72.49%
72.14%
71.55%
72.40%
Operating Profit Margin TTM
9.03%
9.61%
8.95%
8.62%
7.45%
7.25%
9.19%
5.53%
5.71%
5.20%
3.77%
5.82%
Net Profit Margin TTM
6.98%
7.40%
6.88%
6.57%
5.68%
5.53%
7.01%
4.13%
4.37%
4.01%
2.89%
4.78%
Growth Metrics
Net Revenue Growth (1Y)
9.63%
10.51%
9.70%
9.63%
7.32%
6.57%
6.73%
6.20%
7.05%
7.40%
8.72%
9.52%
Net Income Growth (1Y)
34.83%
47.77%
7.73%
74.47%
39.48%
46.97%
158.35%
-8.42%
-8.37%
-32.16%
-68.85%
-62.76%
EPS Growth (1Y)
42.57%
54.98%
10.15%
80.30%
41.08%
46.34%
151.86%
-10.83%
-10.41%
-33.89%
-69.18%
-63.68%
Valuation Metrics
P/E TTM
7.84
5.95
8.01
8.52
7.66
8.31
7.47
12.42
10.23
9.40
13.30
8.95
P/B TTM
0.97
0.77
0.95
0.95
0.73
0.77
0.86
0.84
0.74
0.63
0.66
0.70
P/S TTM
0.55
0.44
0.55
0.56
0.44
0.46
0.52
0.51
0.45
0.38
0.38
0.43
Market Cap
367.04M
290.31M
355.84M
352.68M
266.08M
274.38M
308.05M
294.85M
254.73M
211.36M
212.23M
231.95M
Enterprise Value
1.92B
1.80B
1.90B
1.82B
1.65B
1.62B
1.64B
1.57B
1.48B
1.44B
1.48B
1.47B
Calculated Values
Free Cash Flow TTM
323.47M
321.82M
304.31M
288.03M
276.17M
268.82M
263.87M
267.38M
260.27M
250.92M
244.47M
235.48M
Net Debt
1.55B
1.51B
1.54B
1.47B
1.38B
1.34B
1.34B
1.27B
1.23B
1.23B
1.27B
1.24B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-26Sale
Owner: Johnson, Sandra K.
Title: -
Shares: 1,000
Price/Share: $36.00
Value: $36,000.00
Shares Owned: 21,933
Relationship: Director
Ownership: Direct
2026-05-11Sale
Owner: Atwood, Catherine R
Title: SVP and General Counsel
Shares: 3,000
Price/Share: $35.06
Value: $105,180.00
Shares Owned: 40,942
Relationship: Officer
Ownership: Direct
2026-04-29Sale
Owner: Forager, Fund, L.P., Fora…
Title: -
Shares: 2,916
Price/Share: $38.50
Value: $112,266.00
Shares Owned: 948,458
Relationship: TenPercentOwner
Ownership: Direct
2026-04-21Sale
Owner: Macarthur, Robert Symmes,…
Title: -
Shares: 5,788
Price/Share: $40.18
Value: $232,561.84
Shares Owned: 953,475
Relationship: TenPercentOwner
Ownership: Direct
2026-04-17Sale
Owner: Barnette, Steven B
Title: VP, Chief Accounting Officer
Shares: 1,600
Price/Share: $40.00
Value: $64,000.00
Shares Owned: 18,346
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
80.68%
Inst. Shares: 7,393,097
Shares Outstanding: 9,163,000
2025-12-31
76.77%
Inst. Shares: 7,237,707
Shares Outstanding: 9,428,000
2025-09-30
77.02%
Inst. Shares: 7,216,522
Shares Outstanding: 9,370,000
2025-06-30
77.32%
Inst. Shares: 7,348,204
Shares Outstanding: 9,504,000
2025-03-31
77.55%
Inst. Shares: 7,452,808
Shares Outstanding: 9,610,000

Regional Management Corp. (RM) — SEC Financial Statements & Analysis

Regional Management Corp. (RM) is a personal credit institutions company, incorporated in DE. Regional Management Corp. trades on NYSE as: RM. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Regional Management Corp. reported a 9.63% year-over-year revenue growth, a Gross Profit Margin of 76.33% (TTM), a Price-to-Sales (P/S) ratio of 0.55x (TTM), a Price-to-Book (P/B) ratio of 0.97x (TTM), at a market cap of $367.04M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
9.63%
Gross Profit Margin TTM
76.33%
P/S TTM
0.55x
P/B TTM
0.97x
Market Cap
$367.04M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Regional Management Corp. in?

Regional Management Corp. (RM) operates in the Personal Credit Institutions industry.

What is RM's market cap?

Regional Management Corp. (RM) has a market capitalization of $367.04M as of 2026-06-30.

What is RM's P/E ratio?

Regional Management Corp. (RM)'s trailing twelve month P/E ratio is 7.84x as of 2026-06-30.

What exchange does RM trade on?

Regional Management Corp. (RM) trades on the NYSE.

Where is Regional Management Corp. incorporated?

Regional Management Corp. is incorporated in DE.

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Main Street's price.