Regional Management Corp. (RM)

Regional Management Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	454.36	422.24	416.63	351.2	297.36
Net Interest Income Growth	7.61%	1.34%	18.63%	18.10%	5.81%
Non-Interest Income	59.61	61.7	56.33	45.81	38.69
Non-Interest Income Growth	-3.39%	9.53%	22.98%	18.39%	12.01%
Revenues Before Loan Losses	588.5	551.4	507.19	428.35	373.91
Provision for Credit Losses	212.2	220.03	185.12	89.02	123.81
Revenue	376.3	331.37	322.07	339.34	250.1
Revenue Growth (YoY)	13.56%	2.89%	-5.09%	35.68%	-2.34%
Compensation Expenses	153.79	156.87	141.24	119.83	109.56
Selling, General & Admin	19.01	15.77	15.38	14.41	10.36
Other Non-Interest Expenses	74.9	70.47	65.91	61.28	56.4
Total Non-Interest Expense	247.7	243.12	222.53	195.51	176.32
Pretax Income	54.08	20.78	65.32	112.47	35.93
Provision for Income Taxes	12.85	4.83	14.1	23.79	9.2
Net Income	41.23	15.96	51.22	88.69	26.73
Net Income to Common	41.23	15.96	51.22	88.69	26.73
Net Income Growth	158.35%	-68.85%	-42.24%	231.79%	-40.24%
Shares Outstanding (Basic)	10	9	9	10	11
Shares Outstanding (Diluted)	10	10	10	11	11
Shares Change (YoY)	3.79%	-0.65%	-9.27%	-4.50%	-5.33%
EPS (Basic)	4.28	1.70	5.51	8.84	2.45
EPS (Diluted)	4.14	1.66	5.30	8.33	3.16
EPS Growth	149.40%	-68.68%	-36.38%	163.61%	7.85%
Free Cash Flow	263.87	244.47	218.46	185.43	161.05
Free Cash Flow Growth	7.94%	11.91%	17.81%	15.14%	5.68%
Free Cash Flow Per Share	26.50	25.48	22.62	17.42	14.45
Dividends Per Share	1.200	1.200	1.200	0.950	0.200
Dividend Growth	-	-	26.32%	375.00%	-
Profit Margin	10.96%	4.82%	15.90%	26.14%	10.69%
FCF Margin	70.12%	73.78%	67.83%	54.64%	64.39%
EBITDA	14.07	14.63	12.69	11.65	13.31
EBITDA Margin	3.74%	4.42%	3.94%	3.43%	5.32%
Effective Tax Rate	23.76%	23.22%	21.58%	21.15%	25.60%

Updated Jul 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q