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Regional Management Corp.

RM Clue Score46
United States Fiscal year ends December CIK 0001519401
$33.51 -1.21% Close, 9 Oct 2026
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Price $33.51 −41.46% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue240.5Net income24.0EPS, diluted1.99Fiscal year 2017Revenue272.5 +13.3%Net income30.0 +24.7%EPS, diluted2.54 +27.6%Fiscal year 2018Revenue306.7 +12.6%Net income35.3 +18.0%EPS, diluted2.93 +15.4%Fiscal year 2019Revenue355.7 +16.0%Net income44.7 +26.6%EPS, diluted3.80 +29.7%Fiscal year 2020Revenue373.9 +5.1%Net income26.7 −40.2%EPS, diluted2.40 −36.8%Fiscal year 2021Revenue428.4 +14.6%Net income88.7 +231.8%EPS, diluted8.33 +247.1%Fiscal year 2022Revenue507.2 +18.4%Net income51.2 −42.2%EPS, diluted5.30 −36.4%Fiscal year 2023Revenue551.4 +8.7%Net income16.0 −68.8%EPS, diluted1.66 −68.7%Fiscal year 2024Revenue588.5 +6.7%Net income41.2 +158.3%EPS, diluted4.14 +149.4%Fiscal year 2025Revenue645.6 +9.7%Net income44.4 +7.7%EPS, diluted4.45 +7.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 240.5 272.5 306.7 355.7 373.9 428.4 507.2 551.4 588.5 645.6
Growth +13.3% +12.6% +16.0% +5.1% +14.6% +18.4% +8.7% +6.7% +9.7%
Net income 24.0 30.0 35.3 44.7 26.7 88.7 51.2 16.0 41.2 44.4
Growth +24.7% +18.0% +26.6% −40.2% +231.8% −42.2% −68.8% +158.3% +7.7%
EPS, diluted 1.99 2.54 2.93 3.80 2.40 8.33 5.30 1.66 4.14 4.45
Growth +27.6% +15.4% +29.7% −36.8% +247.1% −36.4% −68.7% +149.4% +7.5%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin10.0%Free cash flow margin39.0%Fiscal year 2017Net margin11.0%Free cash flow margin40.6%Fiscal year 2018Net margin11.5%Free cash flow margin46.0%Fiscal year 2019Net margin12.6%Free cash flow margin42.8%Fiscal year 2020Net margin7.1%Free cash flow margin43.1%Fiscal year 2021Net margin20.7%Free cash flow margin43.3%Fiscal year 2022Net margin10.1%Free cash flow margin43.1%Fiscal year 2023Net margin2.9%Free cash flow margin44.3%Fiscal year 2024Net margin7.0%Free cash flow margin44.8%Fiscal year 2025Net margin6.9%Free cash flow margin47.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 10.0% 11.0% 11.5% 12.6% 7.1% 20.7% 10.1% 2.9% 7.0% 6.9%
Free cash flow margin 39.0% 40.6% 46.0% 42.8% 43.1% 43.3% 43.1% 44.3% 44.8% 47.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow100.2Capital expenditure−6.4Free cash flow93.8Buybacks−25.0Fiscal year 2017Operating cash flow115.4Capital expenditure−4.8Free cash flow110.7 +18.0%Fiscal year 2018Operating cash flow146.3Capital expenditure−5.4Free cash flow140.9 +27.3%Fiscal year 2019Operating cash flow158.2Capital expenditure−5.8Free cash flow152.4 +8.1%Buybacks−25.0Fiscal year 2020Operating cash flow165.0Capital expenditure−3.9Free cash flow161.0 +5.7%Buybacks−12.0Fiscal year 2021Operating cash flow189.0Capital expenditure−3.6Free cash flow185.4 +15.1%Buybacks−67.4Fiscal year 2022Operating cash flow224.3Capital expenditure−5.9Free cash flow218.5 +17.8%Buybacks−20.6Fiscal year 2023Operating cash flow249.2Capital expenditure−4.7Free cash flow244.5 +11.9%Fiscal year 2024Operating cash flow268.9Capital expenditure−5.1Free cash flow263.9 +7.9%Buybacks−3.5Fiscal year 2025Operating cash flow309.1Capital expenditure−4.8Free cash flow304.3 +15.3%Buybacks−24.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 100.2 115.4 146.3 158.2 165.0 189.0 224.3 249.2 268.9 309.1
Capital expenditure −6.4 −4.8 −5.4 −5.8 −3.9 −3.6 −5.9 −4.7 −5.1 −4.8
Free cash flow 93.8 110.7 140.9 152.4 161.0 185.4 218.5 244.5 263.9 304.3
Growth +18.0% +27.3% +8.1% +5.7% +15.1% +17.8% +11.9% +7.9% +15.3%
Buybacks −25.0 n/a n/a −25.0 −12.0 −67.4 −20.6 n/a −3.5 −24.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash12.7Total debt489.5Net cash (debt)−476.8Shareholders’ equity207.5Debt to equity2.36Fiscal year 2017Cash22.0Total debt566.5Net cash (debt)−544.5Shareholders’ equity239.4Debt to equity2.37Fiscal year 2018Cash50.1Total debt651.3Net cash (debt)−601.2Shareholders’ equity279.2Debt to equity2.33Fiscal year 2019Cash56.4Total debt798.6Net cash (debt)−742.2Shareholders’ equity302.8Debt to equity2.64Fiscal year 2020Cash71.9Total debt762.2Net cash (debt)−690.4Shareholders’ equity272.1Debt to equity2.80Fiscal year 2021Cash149.2Total debt1,096.9Net cash (debt)−947.8Shareholders’ equity282.7Debt to equity3.88Fiscal year 2022Cash131.8Total debt1,345.8Net cash (debt)−1,214.0Shareholders’ equity308.6Debt to equity4.36Fiscal year 2023Cash128.7Total debt1,395.2Net cash (debt)−1,266.6Shareholders’ equity322.3Debt to equity4.33Fiscal year 2024Cash135.6Total debt1,472.0Net cash (debt)−1,336.4Shareholders’ equity357.1Debt to equity4.12Fiscal year 2025Cash98.0Total debt1,642.2Net cash (debt)−1,544.2Shareholders’ equity373.1Debt to equity4.40
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 12.7 22.0 50.1 56.4 71.9 149.2 131.8 128.7 135.6 98.0
Total debt 489.5 566.5 651.3 798.6 762.2 1,096.9 1,345.8 1,395.2 1,472.0 1,642.2
Net cash (debt) −476.8 −544.5 −601.2 −742.2 −690.4 −947.8 −1,214.0 −1,266.6 −1,336.4 −1,544.2
Shareholders’ equity 207.5 239.4 279.2 302.8 272.1 282.7 308.6 322.3 357.1 373.1
Debt to equity 2.36 2.37 2.33 2.64 2.80 3.88 4.36 4.33 4.12 4.40

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
16.2% 14.8% 15.0% 16.6% 9.6% 26.3% 12.9% 3.8% 9.2% 8.9%
10.0% 11.0% 11.5% 12.6% 7.1% 20.7% 10.1% 2.9% 7.0% 6.9%
39.0% 40.6% 46.0% 42.8% 43.1% 43.3% 43.1% 44.3% 44.8% 47.1%
Spending
49.3% 48.1% 45.7% 44.1% 47.2% 45.6% 43.9% 44.1% 42.1% 39.9%
2.7% 1.7% 1.7% 1.6% 1.1% 0.8% 1.2% 0.9% 0.9% 0.7%
38.3% 25.6% 23.0% 24.2% 25.6% 21.1% 21.6% 23.2% 23.8% 23.1%
Returns
11.6% 12.5% 12.7% 14.8% 9.8% 31.4% 16.6% 5.0% 11.5% 11.9%
3.4% 3.6% 3.7% 3.9% 2.4% 6.1% 3.0% 0.9% 2.2% 2.1%
Balance and payout
2.36 2.37 2.33 2.64 2.80 3.88 4.36 4.33 4.12 4.40
70.9% 71.1% 70.8% 73.9% 75.3% 80.6% 82.1% 82.0% 81.3% 82.3%
26.7% n/a n/a 16.4% 7.5% 36.4% 9.4% n/a 1.3% 7.9%