Regional Management Corp. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data Regional Management Corp. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	241	272	307	356	374	428	507	551	589	646
General and administrative	119	131	140	157	176	196	223	243	248	258
Interest expense	19.9	23.9	33.5	40.1	37.9	31.3
Pre-tax income	38.9	40.3	45.9	59	35.9	112	65.3	20.8	54.1	57.8
Income tax	14.9	10.3	10.6	14.3	9.2	23.8	14.1	4.83	12.8	13.4
Net income	24	30	35.3	44.7	26.7	88.7	51.2	16	41.2	44.4
EPS, basic	2.03	2.59	3.03	3.92	2.45	8.84	5.51	1.70	4.28	4.71
EPS, diluted	1.99	2.54	2.93	3.80	2.40	8.33	5.30	1.66	4.14	4.45
Shares, basic (weighted)	11.8	11.6	11.7	11.4	10.9	10	9.3	9.4	9.64	9.43
Shares, diluted (weighted)	12.1	11.8	12.1	11.8	11.1	10.6	9.66	9.59	9.96	9.98
Dividend per share					0.20	0.95	1.20	1.20	1.20	1.20

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	12.7	22	50.1	56.4	71.9	149	132	129	136	98
Property, plant and equipment	11.7	12.3	13.9	15.3	14	12.9	14.5	13.8	13.7	13.2
Lease right-of-use assets				26.4	27.1	28.7	34.5	34.3	38.4	43.8
Goodwill	0.72	0.72	0.72	0.72	0.72	0.72	0.72
Intangible assets	5.73	9.89	9.29	8.72	7.97	8.8	12.1	15.8	24.5	31.8
Total assets	712	829	956	1,159	1,104	1,460	1,725	1,795	1,909	2,104
Total liabilities	505	590	677	856	832	1,177	1,416	1,472	1,552	1,731
Total debt	490	567	651	799	762	1,097	1,346	1,395	1,472	1,642
Paid-in capital	92.4	94.4	98.8	103	105	105	112	122	131	139
Retained earnings	139	169	204	249	227	306	346	350	378	411
Treasury stock	-25	-25	-25	-50.1	-62.1	-130	-150	-150	-154	-178
Other comprehensive income							-0.59	-0.37	0.06	-0
Shareholders' equity	207	239	279	303	272	283	309	322	357	373
Total equity	207	239	279	303	272	283	309	322	357	373
Total liabilities and equity	712	829	956	1,159	1,104	1,460	1,725	1,795	1,909	2,104
Shares outstanding	11.5	11.7	11.8	11	10.9	9.79	9.52	9.76	10	9.55

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	24	30	35.3	44.7	26.7	88.7	51.2	16	41.2	44.4
Depreciation and amortization	6.44	7.36	8.8	10.9	13.3	11.7	12.7	14.6	14.1	16.2
Stock-based compensation	4.16	3.66	5.26	5.15	5.6	7.4	10.8	11.8	11.2	11.9
Deferred income tax	1.9	4.99	-4.21	-1.37	0.68	-4.3	4.77	0.11	4.24	12.6
Change in payables	2.26	3.11	6.37	5.24	9.93	10.2	-14.6	7.63	-1.39	-0.89
Cash from operations	100	115	146	158	165	189	224	249	269	309
Capital expenditures	-6.43	-4.77	-5.35	-5.8	-3.93	-3.59	-5.87	-4.69	-5.05	-4.76
Acquisitions	-28.1
Purchases of investments							-24	-5.9	-25.4	-41.9
Sales and maturities of investments							3.13	4.06	24.7	39.8
Cash from investing	-160	-180	-199	-269	-91.7	-355	-447	-279	-315	-471
Stock issued		0.31						0.29
Share buybacks	-25			-25	-12	-67.4	-20.6		-3.54	-24
Dividends paid					-2.22	-9.54	-11.4	-11.9	-12.1	-11.5
Cash from financing	53.9	73.8	81.1	117	-57.8	243	206	26.4	53.4	124
Net change in cash	-5.42	9.27	28.1	6.29	15.4	77.3	-17.4	-3.13	6.96	-37.6
Free cash flow	93.8	111	141	152	161	185	218	244	264	304
Interest paid	17.6	20.5	30.1	35.5	32	29.4	40.5	60.1	69.2	78.4
Income taxes paid	12.6	15.7	3.6	14.7	7.13	23.1	27	3.05	2.73	6.11

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $30.82 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	9.0%	Pre-tax income / revenue.
Net margin	7.0%	Net income / revenue.
FCF margin	48.2%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	49.0%	Cash from operations / revenue.
Effective tax rate	22.7%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	12.4%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	2.2%	Net income / average total assets.
Stock-based pay / revenue	1.5%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	0.8%	Capital expenditures / revenue.
D&A / revenue	2.7%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	9.7%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	8.4%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	11.5%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	7.7%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-4.6%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	10.7%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	7.5%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-5.7%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	13.1%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	14.9%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	11.3%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	13.4%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	15.3%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	11.7%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	13.6%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	0.0%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	0.0%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	43.1%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	4.5%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	6.5%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	6.5%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	10.2%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	6.8%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	13.8%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.3%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	1.1%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-2.2%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	4.41x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	78.4%	Total debt / total assets.
Liabilities / assets	82.2%	Total liabilities / total assets.
Net debt	$1.55B	Total debt - cash - short-term investments. Negative means more cash than debt.
Tangible book value	$378.3M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.31x	Revenue / average total assets.
Fixed asset turnover	51.4x	Revenue / average property, plant and equipment.
FCF conversion	690.9%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	1.5%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$4.87	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$69.81	Revenue / diluted weighted shares.
FCF per share	$33.68	Free cash flow / diluted weighted shares.
Operating cash flow per share	$34.21	Cash from operations / diluted weighted shares.
Book value per share	$40.51	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$40.51	Tangible book value / shares outstanding.
Cash per share	$12.70	(Cash + short-term investments) / shares outstanding.
Payout ratio	24.8%	Dividends paid / net income, when net income is positive.
Dividends / FCF	3.6%	Dividends paid / free cash flow, when free cash flow is positive.
Buybacks / FCF	7.8%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$284.3M	Share price x shares outstanding.
Enterprise value	$1.84B	Market cap + total debt - cash - short-term investments.
P/E	6.07x	Market cap / net income. Only when net income is positive.
P/S	0.42x	Market cap / revenue.
P/B	0.75x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.75x	Market cap / tangible book value, when positive.
P/FCF	0.88x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	0.87x	Market cap / cash from operations, when positive.
EV/Sales	2.74x	Enterprise value / revenue.
EV/FCF	5.68x	Enterprise value / free cash flow, when both are positive.
FCF yield	113.8%	Free cash flow / market cap.
Earnings yield	16.5%	Net income / market cap (the inverse of P/E).
Dividend yield	4.1%	Dividends paid over the period / market cap.
Shareholder yield	12.9%	(Dividends paid + share buybacks) / market cap.

What was Regional Management Corp.'s revenue in fiscal 2025?

Regional Management Corp. reported revenue of $645.6M for fiscal 2025, 9.7% higher than the year before.

Was Regional Management Corp. profitable in fiscal 2025?

Yes. Net income was $44.4M, a net margin of 6.9%.

How much free cash flow did Regional Management Corp. generate in fiscal 2025?

Cash from operations of $309.1M minus capital expenditures of $4.8M left free cash flow of $304.3M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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