Regional Management Corp. (RM)

Regional Management Income Statement

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

Year	2023	2022	2021	2020	2019
Revenue	551.4	507.19	428.35	373.91	355.71
Revenue Growth (YoY)	8.72%	18.40%	14.56%	5.11%	15.98%
Gross Profit	551.4	507.19	428.35	373.91	355.71
Selling, General & Admin	197.68	180.43	158.36	142.55	124.78
Other Operating Expenses	265.48	227.21	126.17	157.58	131.81
Operating Expenses	463.15	407.64	284.53	300.13	256.6
Operating Income	88.25	99.54	143.82	73.78	99.12
Interest Expense / Income	67.46	34.22	31.35	37.85	40.13
Pretax Income	20.78	65.32	112.47	35.93	58.99
Income Tax	4.83	14.1	23.79	9.2	14.26
Net Income	15.96	51.22	88.69	26.73	44.73
Net Income Growth	-68.85%	-42.24%	231.79%	-40.24%	26.56%
Shares Outstanding (Basic)	9	9	10	11	11
Shares Outstanding (Diluted)	10	10	11	11	12
Shares Change	-0.65%	-9.27%	-4.50%	-5.33%	-2.53%
EPS (Basic)	1.70	5.51	8.84	2.45	3.92
EPS (Diluted)	1.66	5.30	8.33	2.40	3.80
EPS Growth	-68.68%	-36.37%	247.08%	-36.84%	29.69%
Free Cash Flow	244.47	218.46	185.43	161.05	152.45
Free Cash Flow Per Share	26.01	23.50	18.48	14.73	13.37
Dividend Per Share	1.200	1.200	0.950	0.200	-
Dividend Growth	0%	26.32%	375.00%	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	16.00%	19.63%	33.58%	19.73%	27.86%
Profit Margin	2.89%	10.10%	20.70%	7.15%	12.58%
Free Cash Flow Margin	44.34%	43.07%	43.29%	43.07%	42.86%
Effective Tax Rate	23.22%	21.58%	21.15%	25.60%	24.17%
EBITDA	102.88	112.23	155.48	87.09	109.97
EBITDA Margin	18.66%	22.13%	36.30%	23.29%	30.92%
Depreciation & Amortization	14.63	12.69	11.65	13.31	10.86
EBIT	88.25	99.54	143.82	73.78	99.12
EBIT Margin	16.00%	19.63%	33.58%	19.73%	27.86%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).