Regional Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Regional Management Corp
RM Stock  USD 29.74  0.05  0.17%   
Regional Management financial statements provide useful quarterly and yearly information to potential Regional Management Corp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Regional Management financial statements helps investors assess Regional Management's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Regional Management's valuation are summarized below:
Gross Profit
357.4 M
Profit Margin
0.0724
Market Capitalization
292.9 M
Enterprise Value Revenue
3.5127
Revenue
569.6 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 2025 to make sure the company can sustain itself down the road. As of the 17th of March 2025, Market Cap is likely to drop to about 187.2 M. In addition to that, Enterprise Value is likely to drop to about 374.3 M

Regional Management Total Revenue

296.29 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 13.4 M, Interest Expense of 78.3 M or Selling General Administrative of 260.1 M, as well as many indicators such as Price To Sales Ratio of 0.53, Dividend Yield of 0.0247 or PTB Ratio of 1.77. Regional financial statements analysis is a perfect complement when working with Regional Management Valuation or Volatility modules.
  
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 Outstanding8.9 M10.1 M11.1 M
Slightly volatile
Total Assets1.1 B1.9 B960.5 M
Slightly volatile
Total Stockholder Equity245.2 M357.1 M224.3 M
Slightly volatile
Property Plant And Equipment Net54.7 M52.1 M25.4 M
Slightly volatile
Retained Earnings199.9 M378.5 M182.9 M
Slightly volatile
Accounts Payable23.8 M46.5 M23.4 M
Slightly volatile
Cash5.2 M4 M4.8 M
Slightly volatile
Non Current Assets Total104 M85.9 M95.1 M
Pretty Stable
Other Assets1.9 B1.8 B798.5 M
Slightly volatile
Long Term Debt688.8 M1.2 B630.1 M
Slightly volatile
Cash And Short Term Investments6.7 M4 M6.2 M
Slightly volatile
Net Receivables1.9 B1.8 B339.6 M
Slightly volatile
Common Stock Total Equity1.4 M1.6 M1.3 M
Slightly volatile
Short Term Investments24.7 M23.5 M8.7 M
Slightly volatile
Liabilities And Stockholders Equity1.1 B1.9 B960.5 M
Slightly volatile
Total Liabilities804.1 M1.6 B735.6 M
Slightly volatile
Property Plant And Equipment Gross89 M84.8 M31.4 M
Slightly volatile
Total Current Assets3.8 M4 M127.4 M
Pretty Stable
Common Stock1.4 M1.5 M1.3 M
Slightly volatile
Property Plant Equipment59.2 M56.4 M22.5 M
Slightly volatile
Short and Long Term Debt Total1 B1.5 B898.3 M
Slightly volatile
Total Current Liabilities250.1 M315.5 M302.1 M
Very volatile
Good Will19.2 M18.3 M3.9 M
Slightly volatile
Non Current Liabilities Total688.8 M1.2 B592.6 M
Slightly volatile
Short Term Debt374 M315.5 M333.8 M
Pretty Stable
Intangible Assets25.8 M24.5 M8.6 M
Slightly volatile
Net Tangible Assets249.2 M341 M227.2 M
Slightly volatile
Capital Surpluse106 M129.2 M97.5 M
Slightly volatile
Long Term Investments969.3 M1.7 B890 M
Slightly volatile
Short and Long Term Debt212.9 M315.5 M281.6 M
Slightly volatile
Long Term Debt Total841.4 M1.5 B743.6 M
Slightly volatile
Other Liabilities638.7 K672.3 K2.8 M
Slightly volatile
Net Invested Capital1.4 B1.8 B1.1 B
Slightly volatile
Capital Stock1.6 M1.5 M1.4 M
Slightly volatile
Current Deferred Revenue208.9 M184 M307.6 M
Slightly volatile
Capital Lease Obligations37.1 M40.6 M31 M
Slightly volatile
Non Current Liabilities Other34.4 M42.2 M30.9 M
Slightly volatile

Regional Management Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization13.4 M14.1 M65.5 M
Slightly volatile
Interest Expense78.3 M74.5 M32.4 M
Slightly volatile
Selling General Administrative260.1 M247.7 M121.4 M
Slightly volatile
Selling And Marketing Expenses20 M19 M9.3 M
Slightly volatile
Total Revenue296.3 M588.5 M283.1 M
Slightly volatile
Gross Profit590.8 M562.7 M274.2 M
Slightly volatile
Other Operating Expenses224.9 M292.5 M215.9 M
Slightly volatile
Operating Income310.8 M296 M91.3 M
Slightly volatile
EBITDA81.5 M142.7 M76.9 M
Slightly volatile
Income Before Tax47.7 M54.1 M44.8 M
Slightly volatile
Net Income34.2 M40.7 M32.2 M
Slightly volatile
Income Tax Expense13.5 M13.4 M12.6 M
Pretty Stable
Cost Of Revenue24.5 M25.8 M74.4 M
Very volatile
Net Income Applicable To Common Shares36.4 M58.9 M36.1 M
Slightly volatile
Net Income From Continuing Ops38.1 M41.2 M33.7 M
Slightly volatile
Non Recurring223.5 M212.9 M101.2 M
Slightly volatile
Tax Provision10.4 M12.8 M13.4 M
Slightly volatile
Interest Income287.3 M528.9 M186.2 M
Slightly volatile
Net Interest Income353.9 M454.4 M278.5 M
Slightly volatile
Reconciled Depreciation12.8 M14.1 M9.9 M
Slightly volatile

Regional Management Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation6.4 M11.2 M5.1 M
Slightly volatile
Free Cash Flow133.7 M263.9 M127.4 M
Slightly volatile
Begin Period Cash Flow135.1 M128.7 M48.5 M
Slightly volatile
Depreciation8.1 M14.1 M7.7 M
Slightly volatile
Other Non Cash Items206.9 M197 M95.3 M
Slightly volatile
Capital Expenditures6.7 M5.1 M6.5 M
Slightly volatile
Total Cash From Operating Activities140.4 M268.9 M133.8 M
Slightly volatile
Net Income34.2 M41.2 M32.2 M
Slightly volatile
End Period Cash Flow142.4 M135.6 M56.4 M
Slightly volatile
Change To Netincome242.5 M230.9 M106.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.530.55661.2255
Slightly volatile
Dividend Yield0.02470.03710.0154
Slightly volatile
PTB Ratio1.770.91741.6175
Slightly volatile
Days Sales Outstanding1.2 K1.2 K433
Very volatile
Book Value Per Share38.8937.041323.3066
Slightly volatile
Free Cash Flow Yield0.850.80560.4738
Slightly volatile
Operating Cash Flow Per Share29.2927.89713.7199
Slightly volatile
Stock Based Compensation To Revenue0.01220.0190.0151
Slightly volatile
Capex To Depreciation0.340.35920.941
Slightly volatile
PB Ratio1.770.91741.6175
Slightly volatile
EV To Sales2.83.12013.4571
Very volatile
Free Cash Flow Per Share28.7427.372713.1232
Slightly volatile
Net Income Per Share2.344.22152.9633
Slightly volatile
Payables Turnover6.576.263.264
Very volatile
Sales General And Administrative To Revenue0.310.42090.3871
Very volatile
Capex To Revenue0.00820.00860.0231
Pretty Stable
Cash Per Share0.50.40990.6222
Slightly volatile
POCF Ratio1.161.21812.6137
Slightly volatile
Interest Coverage3.23.97122.8858
Slightly volatile
Payout Ratio0.230.29840.1571
Slightly volatile
Capex To Operating Cash Flow0.01790.01880.0496
Pretty Stable
PFCF Ratio1.181.24142.7584
Slightly volatile
Days Payables Outstanding57.3660.38584
Pretty Stable
Income Quality3.636.52314.6103
Slightly volatile
ROE0.20.1140.1798
Slightly volatile
EV To Operating Cash Flow8.186.82787.4856
Very volatile
PE Ratio11.138.049310.2324
Pretty Stable
Return On Tangible Assets0.02050.02160.0394
Slightly volatile
EV To Free Cash Flow8.666.95867.9187
Very volatile
Earnings Yield0.0880.12420.1086
Pretty Stable
Intangibles To Total Assets0.01350.01280.0074
Slightly volatile
Current Ratio0.01190.01250.2604
Slightly volatile
Tangible Book Value Per Share36.2234.497322.4424
Slightly volatile
Receivables Turnover0.390.41153
Pretty Stable
Graham Number62.2859.315238.124
Slightly volatile
Shareholders Equity Per Share38.8937.041321.8496
Slightly volatile
Debt To Equity2.424.2363.0221
Slightly volatile
Capex Per Share0.460.52430.5911
Slightly volatile
Revenue Per Share64.161.04829.1752
Slightly volatile
Interest Debt Per Share17316577.0046
Slightly volatile
Debt To Assets0.580.79230.7188
Pretty Stable
Enterprise Value Over EBITDA9.7412.869811.8551
Slightly volatile
Short Term Coverage Ratios0.90.85250.4718
Slightly volatile
Price Earnings Ratio11.138.049310.2324
Pretty Stable
Price Book Value Ratio1.770.91741.6175
Slightly volatile
Days Of Payables Outstanding57.3660.38584
Pretty Stable
Dividend Payout Ratio0.230.29840.1571
Slightly volatile
Price To Operating Cash Flows Ratio1.161.21812.6137
Slightly volatile
Price To Free Cash Flows Ratio1.181.24142.7584
Slightly volatile
Pretax Profit Margin0.08730.09190.1846
Slightly volatile
Ebt Per Ebit0.170.18270.5843
Slightly volatile
Operating Profit Margin0.330.50290.2933
Slightly volatile
Effective Tax Rate0.330.24740.2994
Slightly volatile
Company Equity Multiplier3.465.34654.2719
Very volatile
Long Term Debt To Capitalization0.550.76410.6569
Slightly volatile
Total Debt To Capitalization0.590.8090.7313
Pretty Stable
Return On Capital Employed0.20.18570.1851
Slightly volatile
Debt Equity Ratio2.424.2363.0221
Slightly volatile
Ebit Per Revenue0.330.50290.2933
Slightly volatile
Dividend Paid And Capex Coverage Ratio22.0415.638919.2848
Slightly volatile
Net Income Per E B T0.560.75260.6937
Slightly volatile
Cash Ratio0.02240.01250.0274
Pretty Stable
Operating Cash Flow Sales Ratio0.380.4570.4653
Very volatile
Days Of Sales Outstanding1.2 K1.2 K433
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.760.98120.9365
Slightly volatile
Cash Flow Coverage Ratios0.220.17780.196
Pretty Stable
Price To Book Ratio1.770.91741.6175
Slightly volatile
Fixed Asset Turnover18.2711.291516.7167
Slightly volatile
Capital Expenditure Coverage Ratio27.6753.210724.7536
Very volatile
Price Cash Flow Ratio1.161.21812.6137
Slightly volatile
Enterprise Value Multiple9.7412.869811.8551
Slightly volatile
Debt Ratio0.580.79230.7188
Pretty Stable
Cash Flow To Debt Ratio0.220.17780.196
Pretty Stable
Price Sales Ratio0.530.55661.2255
Slightly volatile
Return On Assets0.02030.02130.0392
Slightly volatile
Asset Turnover0.330.30830.3029
Pretty Stable
Net Profit Margin0.06570.06920.1275
Slightly volatile
Gross Profit Margin0.680.95610.8268
Very volatile
Price Fair Value1.770.91741.6175
Slightly volatile
Return On Equity0.20.1140.1798
Slightly volatile

Regional Management Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap187.2 M327.6 M247.9 M
Pretty Stable
Enterprise Value374.3 M484.4 M502.6 M
Pretty Stable

Regional Fundamental Market Drivers

Forward Price Earnings6.5189
Cash And Short Term Investments4 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 M208.9 M
Total Revenue588.5 M296.3 M
Cost Of Revenue25.8 M24.5 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.42  0.31 
Capex To Revenue 0.01  0.01 
Revenue Per Share 61.05  64.10 
Ebit Per Revenue 0.50  0.33 

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Check out the analysis of Regional Management Correlation against competitors.
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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
4.14
Revenue Per Share
59.086
Quarterly Revenue Growth
0.094
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.
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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.
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