Regional Management Corp. (RM)

Regional Management Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Operating Revenue	42.01	40.7	44.53	43.5	35.48	28.35
Other Revenue	549.43	528.89	489.7	450.85	382.54	335.22
Revenue	591.44	569.59	534.23	494.36	418.03	363.56
Revenue Growth (YoY)	7.19%	6.62%	8.06%	18.26%	14.98%	6.31%
Cost of Revenue	230.55	212.2	220.03	185.12	89.02	123.81
Gross Profit	360.88	357.39	314.19	309.24	329.01	239.75
Selling, General & Admin	256.1	247.7	243.12	222.53	195.51	176.32
Other Operating Expenses	-20.14	-18.91	-17.17	-12.83	-10.33	-10.34
Operating Expenses	235.96	228.78	225.95	209.7	185.19	165.97
Operating Income	124.92	128.61	88.25	99.54	143.82	73.78
Interest Expense	-79.36	-74.53	-67.46	-34.22	-31.35	-37.85
EBT Excluding Unusual Items	45.57	54.08	20.78	65.32	112.47	35.93
Pretax Income	45.57	54.08	20.78	65.32	112.47	35.93
Income Tax Expense	10.84	12.85	4.83	14.1	23.79	9.2
Net Income	34.72	41.23	15.96	51.22	88.69	26.73
Net Income to Common	34.72	41.23	15.96	51.22	88.69	26.73
Net Income Growth	39.48%	158.35%	-68.85%	-42.24%	231.79%	-40.24%
Shares Outstanding (Basic)	10	10	9	9	10	11
Shares Outstanding (Diluted)	10	10	10	10	11	11
Shares Change (YoY)	3.34%	3.79%	-0.65%	-9.27%	-4.50%	-5.33%
EPS (Basic)	3.61	4.28	1.70	5.51	8.84	2.45
EPS (Diluted)	3.47	4.14	1.66	5.30	8.33	2.40
EPS Growth	35.30%	149.40%	-68.68%	-36.38%	247.08%	-36.84%
Free Cash Flow	276.17	263.87	244.47	218.46	185.43	161.05
Free Cash Flow Per Share	27.56	26.50	25.48	22.62	17.42	14.45
Dividend Per Share	1.200	1.200	1.200	1.200	0.950	0.200
Dividend Growth	-	-	-	26.32%	375.00%	-
Gross Margin	61.02%	62.74%	58.81%	62.55%	78.71%	65.94%
Operating Margin	21.12%	22.58%	16.52%	20.14%	34.41%	20.29%
Profit Margin	5.87%	7.24%	2.99%	10.36%	21.22%	7.35%
Free Cash Flow Margin	46.70%	46.33%	45.76%	44.19%	44.36%	44.30%
EBITDA	139.61	142.68	102.88	112.23	155.48	87.09
EBITDA Margin	23.61%	25.05%	19.26%	22.70%	37.19%	23.95%
D&A For EBITDA	14.69	14.07	14.63	12.69	11.65	13.31
EBIT	124.92	128.61	88.25	99.54	143.82	73.78
EBIT Margin	21.12%	22.58%	16.52%	20.14%	34.41%	20.29%
Effective Tax Rate	23.79%	23.76%	23.22%	21.58%	21.15%	25.60%
Revenue as Reported	611.58	588.5	551.4	507.19	428.35	373.91

Updated Jul 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q