RM
Regional Management Corp.
Price Chart
Latest Quote
$37.20
+0.30 (+0.81%)
Current Price
| Previous Close | $36.90 |
| Open | $37.18 |
| Day High | $37.80 |
| Day Low | $37.03 |
| Volume | 29,908 |
Stock Information
| Quarterly Dividend / Yield | $1.20 / 3.23% |
| Shares Outstanding | 9.21M |
| Quarterly Dividend Yield | 3.23% |
| Quarterly Dividend | $1.20 |
| Total Debt | $1.66B |
| Cash Equivalents | $4.86M |
| Revenue | $638.78M |
| Net Income | $48.81M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $342.54M |
| P/E Ratio | 7.55 |
| EPS (TTM) | $4.93 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.00B |
| Sales | $638.78M |
| Income | $48.81M |
| Book/sh | $40.25 |
| Cash/sh | $0.53 |
| Employees | 2K |
Financial Ratios
| Quick Ratio | 38.63 |
| Current Ratio | 40.70 |
| Debt/Eq | 441.85 |
| EPS Growth TTM | 62.70% |
Returns & Margins
| ROA | 4.76% |
| ROE | 13.30% |
| Gross Margin | 60.50% |
| Operating Margin | 23.29% |
| Profit Margin | 7.64% |
Ownership
| Insider Ownership | 9.48% |
| Institutional Ownership | 88.90% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 5.05 |
| PEG | 0.90 |
| P/S | 0.54 |
| P/B | 0.92 |
Analyst Data
| Recommendation | buy |
| Target Price | $48.00 |
Technical Indicators
| SMA20 | $36.27 |
| SMA50 | $36.33 |
| SMA200 | $36.68 |
| RSI | 52.89 |
| ATR | 1.3343 |
| Shares Float | 6.52M |
| Short Float | 4.65% |
| Short Ratio | 5.67 |
| Volatility | 1.02 |
| Rel Volume | 1.56 |
Performance History
| Week | +1.00% |
| Month | +10.52% |
| Quarter | +20.76% |
| 6 Months | -3.21% |
| YTD | -3.53% |
| Year | +41.22% |
| 3 Years | +34.31% |
| 5 Years | -10.56% |
| 10 Years | +195.96% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $37.20 | 82,900 |
| 2026-06-17 | $36.90 | 73,900 |
| 2026-06-16 | $37.17 | 54,000 |
| 2026-06-15 | $36.77 | 48,400 |
| 2026-06-12 | $37.21 | 24,900 |
| 2026-06-11 | $36.83 | 26,100 |
| 2026-06-10 | $36.31 | 64,700 |
| 2026-06-09 | $36.19 | 47,300 |
| 2026-06-08 | $35.58 | 48,000 |
| 2026-06-05 | $35.93 | 38,500 |
| 2026-06-04 | $35.93 | 38,300 |
| 2026-06-03 | $34.24 | 47,400 |
| 2026-06-02 | $35.58 | 43,400 |
| 2026-06-01 | $36.68 | 55,000 |
| 2026-05-29 | $36.76 | 64,800 |
| 2026-05-28 | $36.28 | 62,200 |
| 2026-05-27 | $36.55 | 42,900 |
| 2026-05-26 | $36.39 | 47,000 |
| 2026-05-22 | $35.36 | 53,200 |
| 2026-05-21 | $35.58 | 97,000 |
| 2026-05-20 | $34.96 | 54,800 |
| 2026-05-19 | $33.66 | 52,600 |
About Regional Management Corp.
Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
đ° Latest News
Etsy upgraded, ZoomInfo downgraded: Wall Street's top analyst calls
The Fly âĸ 2026-05-21T13:40:17Z
Regional Management Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-02T10:35:51Z
With EPS Growth And More, Regional Management (NYSE:RM) Makes An Interesting Case
Simply Wall St. âĸ 2026-05-01T10:14:31Z
Regional Management Corp (RM) Q1 2026 Earnings Call Highlights: Record Revenue and Strategic ...
GuruFocus.com âĸ 2026-04-30T07:17:54ZRM Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-04-29T22:31:21Z
Regional Management (RM) Partners With Column N.A. to Accelerate Growth
Insider Monkey âĸ 2026-03-09T11:45:58Z
Regional Management (RM) Achieves Record Revenue and 33% Net Income Growth
Insider Monkey âĸ 2026-03-04T05:12:40Z
Regional Management Q4 Earnings Call Highlights
MarketBeat âĸ 2026-02-05T09:06:46Z
Regional Management Corp (RM) Q4 2025 Earnings Call Highlights: Strong Financial Performance ...
GuruFocus.com âĸ 2026-02-05T05:01:19ZRegional Management (RM) Earnings Transcript
Motley Fool âĸ 2026-02-04T23:15:07Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $560,784,000 | $513,973,000 | $483,936,000 | $472,964,000 |
| Operating Revenue | $560,784,000 | $513,973,000 | $483,936,000 | $472,964,000 |
| Expenses | ||||
| Interest Expense | $84,814,000 | $74,530,000 | $67,463,000 | $34,223,000 |
| Selling And Marketing Expense | $18,551,000 | $19,006,000 | $15,774,000 | $15,378,000 |
| General And Administrative Expense | $210,820,000 | $202,869,000 | $202,316,000 | $183,341,000 |
| Other Non Interest Expense | - | - | - | $-143,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Net Interest Income | $494,135,000 | $454,364,000 | $422,235,000 | $416,631,000 |
| Interest Income | $578,949,000 | $528,894,000 | $489,698,000 | $450,854,000 |
| Normalized Income | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Net Income From Continuing And Discontinued Operation | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Net Income Common Stockholders | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Net Income | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Net Income Including Noncontrolling Interests | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Net Income Continuous Operations | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Pretax Income | $57,777,000 | $54,075,000 | $20,783,000 | $65,321,000 |
| Special Income Charges | - | - | - | $-143,000 |
| Per Share | ||||
| Diluted EPS | $4.45 | $4.14 | $1.66 | $5.30 |
| Basic EPS | $4.71 | $4.28 | $1.70 | $5.51 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $16,246,000 | $14,070,000 | $14,634,000 | $12,689,000 |
| Diluted Average Shares | $9,984,000 | $9,957,000 | $9,593,000 | $9,656,000 |
| Basic Average Shares | $9,428,000 | $9,640,000 | $9,398,000 | $9,296,000 |
| Diluted NI Availto Com Stockholders | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Tax Provision | $13,365,000 | $12,848,000 | $4,825,000 | $14,097,000 |
| Selling General And Administration | $229,371,000 | $221,875,000 | $218,090,000 | $198,719,000 |
| Other Gand A | $51,183,000 | $49,080,000 | $45,444,000 | $42,098,000 |
| Salaries And Wages | $159,637,000 | $153,789,000 | $156,872,000 | $141,243,000 |
| Occupancy And Equipment | $28,204,000 | $25,823,000 | $25,029,000 | $23,809,000 |
| Total Unusual Items | - | - | - | $-143,000 |
| Total Unusual Items Excluding Goodwill | - | - | - | $-143,000 |
| Other Special Charges | - | - | - | $143,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $341,311,000 | $332,554,000 | $306,427,000 | $296,511,000 |
| Total Assets | $2,103,930,000 | $1,909,109,000 | $1,794,527,000 | $1,724,987,000 |
| Goodwill And Other Intangible Assets | $31,781,000 | $24,524,000 | $15,846,000 | $12,122,000 |
| Other Intangible Assets | $31,781,000 | $24,524,000 | $15,846,000 | $12,122,000 |
| Prepaid Assets | $8,776,000 | $8,690,000 | $9,661,000 | $9,115,000 |
| Receivables | $10,577,000 | $4,295,000 | $12,926,000 | $13,716,000 |
| Other Receivables | $10,577,000 | $4,295,000 | $12,926,000 | $13,716,000 |
| Cash And Cash Equivalents | $3,823,000 | $3,951,000 | $4,509,000 | $3,873,000 |
| Cash Financial | $3,823,000 | $3,951,000 | $4,509,000 | $3,873,000 |
| Cash Cash Equivalents And Federal Funds Sold | $122,208,000 | $157,347,000 | $151,413,000 | $152,215,000 |
| Debt | ||||
| Net Debt | $1,638,350,000 | $1,468,047,000 | $1,390,727,000 | $1,341,974,000 |
| Total Debt | $1,688,141,000 | $1,512,577,000 | $1,431,812,000 | $1,382,559,000 |
| Long Term Debt And Capital Lease Obligation | $1,419,702,000 | $1,197,110,000 | $1,186,872,000 | $1,217,835,000 |
| Long Term Debt | $1,373,734,000 | $1,156,531,000 | $1,150,296,000 | $1,181,123,000 |
| Current Debt And Capital Lease Obligation | $268,439,000 | $315,467,000 | $244,940,000 | $164,724,000 |
| Current Debt | $268,439,000 | $315,467,000 | $244,940,000 | $164,724,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,730,838,000 | $1,552,031,000 | $1,472,254,000 | $1,416,354,000 |
| Non Current Deferred Liabilities | $3,345,000 | - | - | - |
| Non Current Deferred Taxes Liabilities | $3,345,000 | - | - | - |
| Payables And Accrued Expenses | $39,352,000 | $39,454,000 | $40,442,000 | $33,795,000 |
| Equity | ||||
| Common Stock Equity | $373,092,000 | $357,078,000 | $322,273,000 | $308,633,000 |
| Total Equity Gross Minority Interest | $373,092,000 | $357,078,000 | $322,273,000 | $308,633,000 |
| Stockholders Equity | $373,092,000 | $357,078,000 | $322,273,000 | $308,633,000 |
| Gains Losses Not Affecting Retained Earnings | $-2,000 | $62,000 | $-372,000 | $-586,000 |
| Retained Earnings | $410,721,000 | $378,482,000 | $349,579,000 | $345,545,000 |
| Other | ||||
| Treasury Shares Number | $5,614,000 | $4,911,000 | $4,807,000 | $4,807,000 |
| Ordinary Shares Number | $9,554,000 | $10,010,000 | $9,759,000 | $9,523,000 |
| Share Issued | $15,168,000 | $14,921,000 | $14,566,000 | $14,330,000 |
| Tangible Book Value | $341,311,000 | $332,554,000 | $306,427,000 | $296,511,000 |
| Invested Capital | $2,015,265,000 | $1,829,076,000 | $1,717,509,000 | $1,654,480,000 |
| Capital Lease Obligations | $45,968,000 | $40,579,000 | $36,576,000 | $36,712,000 |
| Total Capitalization | $1,746,826,000 | $1,513,609,000 | $1,472,569,000 | $1,489,756,000 |
| Treasury Stock | $177,810,000 | $153,683,000 | $150,143,000 | $150,143,000 |
| Additional Paid In Capital | $138,666,000 | $130,725,000 | $121,752,000 | $112,384,000 |
| Capital Stock | $1,517,000 | $1,492,000 | $1,457,000 | $1,433,000 |
| Common Stock | $1,517,000 | $1,492,000 | $1,457,000 | $1,433,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $45,968,000 | $40,579,000 | $36,576,000 | $36,712,000 |
| Line Of Credit | $268,439,000 | $315,467,000 | $244,940,000 | $164,724,000 |
| Net PPE | $56,984,000 | $52,119,000 | $48,090,000 | $49,047,000 |
| Accumulated Depreciation | $-34,597,000 | $-32,641,000 | $-30,321,000 | $-27,757,000 |
| Gross PPE | $91,581,000 | $84,760,000 | $78,411,000 | $76,804,000 |
| Leases | $18,658,000 | $18,033,000 | $16,880,000 | $15,272,000 |
| Other Properties | $43,828,000 | $38,442,000 | $34,303,000 | $34,521,000 |
| Machinery Furniture Equipment | $29,095,000 | $28,285,000 | $27,228,000 | $27,011,000 |
| Goodwill | - | - | - | $716,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $291,993,000 | $251,535,000 | $237,096,000 | $212,924,000 |
| Operating Activities | ||||
| Operating Cash Flow | $309,070,000 | $268,927,000 | $249,166,000 | $224,332,000 |
| Cash Flow From Continuing Operating Activities | $309,070,000 | $268,927,000 | $249,166,000 | $224,332,000 |
| Operating Gains Losses | $331,000 | $427,000 | $867,000 | $143,000 |
| Investing Activities | ||||
| Capital Expenditure | $-17,077,000 | $-17,392,000 | $-12,070,000 | $-11,408,000 |
| Investing Cash Flow | $-471,182,000 | $-315,374,000 | $-278,723,000 | $-447,294,000 |
| Cash Flow From Continuing Investing Activities | $-471,182,000 | $-315,374,000 | $-278,723,000 | $-447,294,000 |
| Net Other Investing Changes | $-2,131,000 | $1,513,000 | $-1,839,000 | $-20,844,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-23,984,000 | $-3,540,000 | $0 | $-20,613,000 |
| Financing Cash Flow | $124,474,000 | $53,409,000 | $26,431,000 | $205,572,000 |
| Cash Flow From Continuing Financing Activities | $124,474,000 | $53,409,000 | $26,431,000 | $205,572,000 |
| Net Other Financing Charges | $-12,245,000 | $-9,149,000 | $-5,692,000 | $-8,649,000 |
| Cash Dividends Paid | $-11,485,000 | $-12,142,000 | $-11,886,000 | $-11,353,000 |
| Common Stock Dividend Paid | $-11,485,000 | $-12,142,000 | $-11,886,000 | $-11,353,000 |
| Net Common Stock Issuance | $-23,984,000 | $-3,540,000 | $0 | $-20,613,000 |
| Other | ||||
| Repayment Of Debt | $-2,138,071,000 | $-2,124,036,000 | $-1,601,626,000 | $-2,019,945,000 |
| Issuance Of Debt | $2,310,259,000 | $2,202,276,000 | $1,645,346,000 | $2,266,132,000 |
| Interest Paid Supplemental Data | $78,396,000 | $69,170,000 | $60,083,000 | $40,475,000 |
| Income Tax Paid Supplemental Data | $6,111,000 | $2,734,000 | $3,050,000 | $26,963,000 |
| End Cash Position | $97,997,000 | $135,635,000 | $128,673,000 | $131,799,000 |
| Beginning Cash Position | $135,635,000 | $128,673,000 | $131,799,000 | $149,189,000 |
| Changes In Cash | $-37,638,000 | $6,962,000 | $-3,126,000 | $-17,390,000 |
| Proceeds From Stock Option Exercised | $0 | $0 | $289,000 | $0 |
| Common Stock Payments | $-23,984,000 | $-3,540,000 | $0 | $-20,613,000 |
| Net Issuance Payments Of Debt | $172,188,000 | $78,240,000 | $43,720,000 | $246,187,000 |
| Net Long Term Debt Issuance | $172,188,000 | $78,240,000 | $43,720,000 | $246,187,000 |
| Long Term Debt Payments | $-2,138,071,000 | $-2,124,036,000 | $-1,601,626,000 | $-2,019,945,000 |
| Long Term Debt Issuance | $2,310,259,000 | $2,202,276,000 | $1,645,346,000 | $2,266,132,000 |
| Net Intangibles Purchase And Sale | $-12,314,000 | $-12,338,000 | $-7,378,000 | $-5,534,000 |
| Purchase Of Intangibles | $-12,314,000 | $-12,338,000 | $-7,378,000 | $-5,534,000 |
| Net PPE Purchase And Sale | $-4,763,000 | $-5,054,000 | $-4,692,000 | $-5,874,000 |
| Purchase Of PPE | $-4,763,000 | $-5,054,000 | $-4,692,000 | $-5,874,000 |
| Change In Working Capital | $-6,149,000 | $1,207,000 | $450,000 | $-24,530,000 |
| Change In Other Working Capital | $4,828,000 | $176,000 | $-3,116,000 | $3,171,000 |
| Change In Other Current Liabilities | $5,389,000 | $4,003,000 | $-136,000 | $6,012,000 |
| Change In Other Current Assets | $-15,479,000 | $-1,586,000 | $-3,926,000 | $-19,071,000 |
| Change In Payables And Accrued Expense | $-887,000 | $-1,386,000 | $7,628,000 | $-14,642,000 |
| Stock Based Compensation | $11,867,000 | $11,171,000 | $11,755,000 | $10,768,000 |
| Deferred Tax | $12,648,000 | $4,238,000 | $112,000 | $4,766,000 |
| Deferred Income Tax | $12,648,000 | $4,238,000 | $112,000 | $4,766,000 |
| Depreciation Amortization Depletion | $16,246,000 | $14,070,000 | $14,634,000 | $12,689,000 |
| Depreciation And Amortization | $16,246,000 | $14,070,000 | $14,634,000 | $12,689,000 |
| Gain Loss On Investment Securities | $0 | $20,000 | $0 | $0 |
| Gain Loss On Sale Of PPE | $331,000 | $407,000 | $867,000 | $143,000 |
| Net Income From Continuing Operations | $44,412,000 | $41,227,000 | $15,958,000 | $51,224,000 |
| Net Investment Purchase And Sale | - | $24,715,000 | $4,061,000 | $0 |
| Sale Of Investment | - | $24,715,000 | $4,061,000 | $0 |
| Net Short Term Debt Issuance | - | - | $-1,566,736,000 | $-1,910,717,000 |
| Short Term Debt Payments | - | - | $-1,566,736,000 | $-1,910,717,000 |
| Sale Of PPE | - | - | - | $0 |
Fetched: 2026-06-17