Regional Management Corp. (RM)

Regional Management Cash Flow 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 Income	41.23	15.96	51.22	88.69	26.73
Depreciation & Amortization	14.07	14.63	12.69	11.65	13.31
Provision for Credit Losses	212.2	220.03	185.12	89.02	123.81
Stock-Based Compensation	11.17	11.76	10.77	7.4	5.6
Other Adjustments	-10.95	-13.67	-10.93	-22.64	-13.85
Changes in Accounts Payable	-1.39	7.63	-14.64	10.15	9.93
Changes in Other Operating Activities	2.59	-7.18	-9.89	4.74	-0.55
Operating Cash Flow	268.93	249.17	224.33	189.02	164.98
Operating Cash Flow Growth	7.93%	11.07%	18.68%	14.57%	4.29%
Net Change in Loans Held-for-Investment	-299.5	-264.81	-415.04	-348.2	-86.34
Net Change in Securities and Investments	1.51	-1.84	-20.84	-	-
Capital Expenditures	-5.05	-4.69	-5.87	-3.59	-3.93
Purchases of Intangible Assets	-12.34	-7.38	-5.53	-3.27	-1.42
Sale of Property, Plant & Equipment	-	-	-	-	0
Investing Cash Flow	-315.37	-278.72	-447.29	-355.06	-91.68
Short-Term Debt Issued	1,765	1,645	1,832	1,902	1,283
Short-Term Debt Repaid	-1,695	-1,567	-1,911	-1,986	-1,352
Net Short-Term Debt Issued (Repaid)	70.34	78.61	-78.31	-83.73	-68.81
Long-Term Debt Issued	437.31	-	433.72	573.7	180
Long-Term Debt Repaid	-429.41	-34.89	-109.23	-150.86	-150
Net Long-Term Debt Issued (Repaid)	7.9	-34.89	324.49	422.84	30
Issuance of Common Stock	-	0.29	-	-	-
Repurchase of Common Stock	-3.54	-	-20.61	-67.44	-12.01
Net Common Stock Issued (Repurchased)	-3.54	0.29	-20.61	-67.44	-12.01
Common Dividends Paid	-12.14	-11.89	-11.35	-9.54	-2.22
Other Financing Activities	-9.15	-5.69	-8.65	-18.78	-4.81
Financing Cash Flow	53.41	26.43	205.57	243.36	-57.85
Net Cash Flow	6.96	-3.13	-17.39	77.31	15.45
Beginning Cash & Cash Equivalents	128.67	131.8	149.19	71.88	56.43
Ending Cash & Cash Equivalents	135.64	128.67	131.8	149.19	71.88
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%
FCF Margin	70.12%	73.78%	67.83%	54.64%	64.39%
Free Cash Flow Per Share	26.50	25.48	22.62	17.42	14.45
Levered Free Cash Flow	129.69	70.07	279.7	450.76	6.68
Unlevered Free Cash Flow	10.22	10.39	-17.72	22.96	18.76

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

SEC Filings: 10-K · 10-Q