Regional Management Corp. (RM)

Regional Management Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	578.95	528.89	489.7	450.85	382.54
Net Interest Income Growth	9.46%	8.00%	8.62%	17.86%	14.12%
Non-Interest Income	66.65	59.61	61.7	56.33	45.81
Non-Interest Income Growth	11.81%	-3.39%	9.53%	22.98%	18.39%
Revenues Before Loan Losses	645.6	588.5	551.4	507.19	428.35
Provision for Credit Losses	245.43	212.2	220.03	185.12	89.02
Revenue	400.17	376.3	331.37	322.07	339.34
Revenue Growth (YoY)	6.34%	13.56%	2.89%	-5.09%	35.68%
Compensation Expenses	159.64	153.79	156.87	141.24	119.83
Selling, General & Admin	97.94	93.91	86.25	81.29	75.68
Other Non-Interest Expenses	84.81	74.53	67.46	34.22	31.35
Total Non-Interest Expense	244.45	228.32	224.34	175.47	151.18
Pretax Income	57.78	54.08	20.78	65.32	112.47
Provision for Income Taxes	13.37	12.85	4.83	14.1	23.79
Net Income	44.41	41.23	15.96	51.22	88.69
Net Income to Common	44.41	41.23	15.96	51.22	88.69
Net Income Growth	7.73%	158.35%	-68.85%	-42.24%	231.79%
Shares Outstanding (Basic)	9	10	9	9	10
Shares Outstanding (Diluted)	10	10	10	10	11
Shares Change (YoY)	0.27%	3.79%	-0.65%	-9.27%	-4.50%
EPS (Basic)	4.71	4.28	1.70	5.51	8.84
EPS (Diluted)	4.45	4.14	1.66	5.51	8.84
EPS Growth	7.49%	149.40%	-69.87%	-37.67%	260.82%
Free Cash Flow	304.31	263.87	244.47	218.46	185.43
Free Cash Flow Growth	15.32%	7.94%	11.91%	17.81%	15.14%
Free Cash Flow Per Share	30.48	26.50	25.48	22.62	17.42
Dividends Per Share	1.200	1.200	1.200	1.200	0.950
Dividend Growth	-	-	-	26.32%	375.00%
Profit Margin	11.10%	10.96%	4.82%	15.90%	26.14%
FCF Margin	76.05%	70.12%	73.78%	67.83%	54.64%
EBITDA	16.25	14.07	14.63	12.69	11.65
EBITDA Margin	4.06%	3.74%	4.42%	3.94%	3.43%
Effective Tax Rate	23.13%	23.76%	23.22%	21.58%	21.15%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q