Regional Management Corp. (RM)

Regional Management Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	48.81	44.41	41.23	15.96	51.22	88.69
Depreciation & Amortization	17.41	16.25	14.07	14.63	12.69	11.65
Provision for Credit Losses	252.31	245.43	212.2	220.03	185.12	89.02
Stock-Based Compensation	10.27	11.87	11.17	11.76	10.77	7.4
Other Adjustments	-1.36	-2.74	-10.95	-13.67	-10.93	-22.64
Changes in Accounts Payable	-	-0.89	-1.39	7.63	-14.64	10.15
Changes in Other Operating Activities	-0.43	-5.26	2.59	-7.18	-9.89	4.74
Operating Cash Flow	326.41	309.07	268.93	249.17	224.33	189.02
Operating Cash Flow Growth	19.08%	14.93%	7.93%	11.07%	18.68%	14.57%
Net Change in Loans Held-for-Investment	-426.75	-451.97	-299.5	-264.81	-415.04	-348.2
Net Change in Securities and Investments	-11.86	-2.13	1.51	-1.84	-20.84	-
Capital Expenditures	-4.6	-4.76	-5.05	-4.69	-5.87	-3.59
Purchases of Intangible Assets	-12.26	-12.31	-12.34	-7.38	-5.53	-3.27
Investing Cash Flow	-445.74	-471.18	-315.37	-278.72	-447.29	-355.06
Short-Term Debt Issued	1,636	1,792	1,765	1,645	1,832	1,902
Short-Term Debt Repaid	-1,511	-1,838	-1,695	-1,567	-1,911	-1,986
Net Short-Term Debt Issued (Repaid)	125.06	-45.26	70.34	78.61	-78.31	-83.73
Long-Term Debt Issued	252.81	517.81	437.31	-	433.72	573.7
Long-Term Debt Repaid	-235.32	-300.37	-429.41	-34.89	-109.23	-150.86
Net Long-Term Debt Issued (Repaid)	17.5	217.44	7.9	-34.89	324.49	422.84
Issuance of Common Stock	-	-	-	0.29	-	-
Repurchase of Common Stock	-25.02	-23.98	-3.54	-	-20.61	-67.44
Net Common Stock Issued (Repurchased)	-25.02	-23.98	-3.54	0.29	-20.61	-67.44
Common Dividends Paid	-11.75	-11.49	-12.14	-11.89	-11.35	-9.54
Other Financing Activities	-9.91	-12.25	-9.15	-5.69	-8.65	-18.78
Financing Cash Flow	96.07	124.47	53.41	26.43	205.57	243.36
Net Cash Flow	-23.25	-37.64	6.96	-3.13	-17.39	77.31
Free Cash Flow	321.82	304.31	263.87	244.47	218.46	185.43
Free Cash Flow Growth	5.75%	15.32%	7.94%	11.91%	17.81%	15.14%
FCF Margin	78.95%	76.05%	70.12%	73.78%	67.83%	54.64%
Free Cash Flow Per Share	32.75	30.48	26.50	25.48	22.62	17.42
Levered Free Cash Flow	203.75	221.93	129.69	70.07	279.7	450.76
Unlevered Free Cash Flow	12.39	5.33	10.22	10.39	-17.72	22.96

Updated May 1, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q