Regional Management (RM) Financials

$26.30 -0.14 (-0.51%)

Closing price 05/23/2025 03:58 PM Eastern

Extended Trading

$26.38 +0.08 (+0.30%)

As of 05/23/2025 06:30 PM Eastern

Annual Income Statements for Regional Management

This table shows Regional Management's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	41	16	51
Consolidated Net Income / (Loss)	41	16	51
Net Income / (Loss) Continuing Operations	41	16	51
Total Pre-Tax Income	54	21	65
Total Operating Income	129	88	100
Total Gross Profit	223	174	181
Total Revenue	589	551	507
Operating Revenue	589	551	507
Total Cost of Revenue	366	377	326
Operating Cost of Revenue	154	157	141
Other Cost of Revenue	212	220	185
Total Operating Expenses	94	86	81
Selling, General & Admin Expense	49	45	42
Marketing Expense	19	16	15
Other Operating Expenses / (Income)	26	25	24
Total Other Income / (Expense), net	-75	-67	-34
Interest & Investment Income	-75	-67	-34
Other Income / (Expense), net	0.02	0.00	0.00
Income Tax Expense	13	4.83	14
Other Adjustments to Consolidated Net Income / (Loss)	-0.01	0.00	0.00
Basic Earnings per Share	$4.28	$1.70	$5.51
Weighted Average Basic Shares Outstanding	9.64M	9.40M	9.30M
Diluted Earnings per Share	$4.14	$1.66	$5.30
Weighted Average Diluted Shares Outstanding	9.96M	9.59M	9.66M
Weighted Average Basic & Diluted Shares Outstanding	9.83M	9.76M	9.52M
Cash Dividends to Common per Share	$1.20	$1.20	$1.20

This table shows Regional Management's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	9.76	7.66	8.45	15	-7.78	8.82	6.02	8.90	2.85	9.61
Consolidated Net Income / (Loss)	9.91	7.66	8.45	15	-7.57	8.82	6.02	8.69	2.39	10
Net Income / (Loss) Continuing Operations	9.91	7.66	8.45	15	-7.57	8.82	6.02	8.69	2.39	10
Total Pre-Tax Income	13	10	11	20	-9.53	11	7.81	12	1.23	13
Total Operating Income	33	30	29	37	7.98	28	24	28	16	25
Total Gross Profit	57	54	52	60	31	50	45	49	37	46
Total Revenue	155	146	143	144	142	141	133	135	132	131
Operating Revenue	155	146	143	144	142	141	133	135	132	131
Total Cost of Revenue	98	93	91	84	111	91	89	86	95	85
Operating Cost of Revenue	41	38	37	38	42	40	36	39	35	37
Other Cost of Revenue	58	54	54	46	69	51	53	48	61	48
Total Operating Expenses	24	24	23	23	23	22	20	21	20	21
Selling, General & Admin Expense	13	13	12	12	12	12	10	11	10	11
Marketing Expense	4.78	5.08	4.84	4.32	4.47	4.08	3.84	3.38	4.24	3.94
Other Operating Expenses / (Income)	6.75	6.55	6.15	6.38	6.27	6.32	6.16	6.29	6.00	5.85
Total Other Income / (Expense), net	-20	-19	-18	-18	-18	-17	-16	-17	-15	-12
Interest & Investment Income	-20	-19	-18	-18	-18	-17	-16	-17	-15	-12
Income Tax Expense	2.84	2.50	2.78	4.73	-1.96	2.08	1.79	2.92	-1.16	3.29
Basic Earnings per Share	$1.02	$0.79	$0.88	$1.59	($0.81)	$0.94	$0.64	$0.93	$0.32	$1.09
Weighted Average Basic Shares Outstanding	9.64M	9.68M	9.61M	9.57M	9.40M	9.43M	9.40M	9.33M	9.30M	9.20M
Diluted Earnings per Share	$0.96	$0.76	$0.86	$1.56	($0.78)	$0.91	$0.63	$0.90	$0.33	$1.06
Weighted Average Diluted Shares Outstanding	9.96M	10.09M	9.86M	9.75M	9.59M	9.65M	9.57M	9.62M	9.66M	9.53M
Weighted Average Basic & Diluted Shares Outstanding	9.83M	10.16M	10.16M	9.90M	9.76M	9.83M	9.84M	9.64M	9.52M	9.59M

This table details how cash moves in and out of Regional Management's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	6.96	-3.13	-17
Net Cash From Operating Activities	269	249	224
Net Cash From Continuing Operating Activities	269	249	225
Net Income / (Loss) Continuing Operations	41	16	51
Consolidated Net Income / (Loss)	41	16	51
Depreciation Expense	14	15	13
Amortization Expense	-16	-15	-16
Non-Cash Adjustments To Reconcile Net Income	220	230	199
Changes in Operating Assets and Liabilities, net	9.41	3.46	-22
Net Cash From Investing Activities	-315	-279	-447
Net Cash From Continuing Investing Activities	-315	-279	-447
Purchase of Property, Plant & Equipment	-5.05	-4.69	-5.87
Acquisitions	-12	-7.38	-5.53
Purchase of Investments	-25	-5.90	-24
Sale and/or Maturity of Investments	27	4.06	3.13
Other Investing Activities, net	-299	-265	-415
Net Cash From Financing Activities	53	26	206
Net Cash From Continuing Financing Activities	53	26	206
Repayment of Debt	-2,131	-1,604	-2,026
Repurchase of Common Equity	-3.54	0.00	-21
Payment of Dividends	-12	-12	-11
Issuance of Debt	2,202	1,645	2,266
Other Financing Activities, net	-2.45	-2.63	-2.99
Cash Interest Paid	69	60	40
Cash Income Taxes Paid	2.73	3.05	27

This table details how cash moves in and out of Regional Management's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	15	-23	21	-6.26	4.23	-17	7.18	2.49	15	-36
Net Cash From Operating Activities	64	75	71	58	67	68	62	53	60	55
Net Cash From Continuing Operating Activities	64	75	71	58	67	68	62	53	61	55
Net Income / (Loss) Continuing Operations	9.91	7.66	8.45	15	-7.57	8.82	6.02	8.69	2.39	10
Consolidated Net Income / (Loss)	9.91	7.66	8.45	15	-7.57	8.82	6.02	8.69	2.39	10
Depreciation Expense	3.61	3.58	3.38	3.50	3.43	3.56	3.57	4.08	3.54	2.92
Amortization Expense	-4.10	-3.93	-3.70	-3.87	-3.65	-3.75	-3.47	-3.78	-3.84	-4.12
Non-Cash Adjustments To Reconcile Net Income	60	56	56	47	72	55	55	48	64	52
Changes in Operating Assets and Liabilities, net	-5.96	11	7.57	-3.51	2.30	4.22	1.30	-4.36	-5.34	-6.43
Net Cash From Investing Activities	-119	-112	-64	-20	-85	-109	-65	-20	-152	-134
Net Cash From Continuing Investing Activities	-119	-112	-64	-20	-85	-109	-65	-20	-152	-134
Purchase of Property, Plant & Equipment	-1.52	-1.30	-1.21	-1.03	-1.06	-0.84	-1.15	-1.65	-3.23	-0.64
Acquisitions	-2.64	-4.08	-3.02	-2.60	-1.75	-1.99	-1.90	-1.73	-1.64	-1.72
Purchase of Investments	-2.21	-19	-	-3.83	-	-4.00	-	-1.90	-	-24
Sale and/or Maturity of Investments	2.21	-	21	4.11	-	1.94	2.12	0.00	-	3.13
Other Investing Activities, net	-115	-87	-81	-17	-82	-104	-64	-15	-147	-111
Net Cash From Financing Activities	70	14	14	-44	22	25	9.67	-30	106	43
Net Cash From Continuing Financing Activities	70	14	14	-44	22	25	9.53	-30	106	43
Repayment of Debt	-737	-416	-577	-401	-375	-394	-400	-435	-541	-424
Repurchase of Common Equity	-3.54	-	-	0.00	-	-	-	0.00	-	-
Payment of Dividends	-2.90	-2.90	-3.09	-3.25	-2.84	-2.84	-3.09	-3.12	-2.76	-2.77
Issuance of Debt	816	433	594	360	402	422	413	409	652	470
Other Financing Activities, net	-2.00	-0.16	-0.43	0.15	-1.89	-0.04	-0.71	0.00	-1.66	-0.10
Cash Interest Paid	18	18	17	16	16	15	14	15	12	10
Cash Income Taxes Paid	0.23	2.59	0.88	-0.97	0.27	1.60	1.17	0.02	0.20	4.07

This table presents Regional Management's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	1,909	1,795	1,725
Total Current Assets	88	-107	1,601
Cash & Equivalents	3.95	4.51	3.87
Restricted Cash	132	124	128
Other Current Assets	-48	-235	-51
Plant, Property, & Equipment, net	14	14	15
Total Noncurrent Assets	1,814	1,892	1,588
Long-Term Investments	22	23	20
Noncurrent Note & Lease Receivables	1,893	1,771	1,470
Goodwill	25	16	12
Noncurrent Deferred & Refundable Income Taxes	9.29	14	14
Other Noncurrent Operating Assets	-140	64	63
Other Noncurrent Nonoperating Assets	6.34	4.58	9.51
Total Liabilities & Shareholders' Equity	1,909	1,795	1,725
Total Liabilities	1,552	1,472	1,416
Total Current Liabilities	39	40	34
Accounts Payable	39	40	34
Total Noncurrent Liabilities	1,519	1,436	1,392
Long-Term Debt	1,478	1,400	1,355
Other Noncurrent Operating Liabilities	41	37	37
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	357	322	309
Total Preferred & Common Equity	357	322	309
Preferred Stock	0.00	0.00	0.00
Total Common Equity	357	322	309
Common Stock	132	123	114
Retained Earnings	378	350	346
Treasury Stock	-154	-150	-150
Accumulated Other Comprehensive Income / (Loss)	0.06	-0.37	-0.59

This table presents Regional Management's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	1,822	1,789	1,757	1,765	1,724	1,701	1,607
Total Current Assets	74	-88	1,634	1,642	1,600	1,578	1,545
Cash & Equivalents	4.75	4.32	4.22	7.41	10	7.11	3.14
Restricted Cash	116	139	118	117	131	127	114
Other Current Assets	-47	-231	-46	-49	-49	-49	-
Plant, Property, & Equipment, net	13	13	13	14	15	15	12
Total Noncurrent Assets	1,739	1,870	1,625	1,632	1,574	1,560	1,427
Long-Term Investments	22	2.16	23	23	20	22	20
Noncurrent Note & Lease Receivables	1,820	1,774	1,512	1,517	1,458	1,443	1,378
Goodwill	22	19	17	15	14	13	11
Noncurrent Deferred & Refundable Income Taxes	12	12	13	14	15	15	17
Other Noncurrent Operating Assets	-141	56	56	58	59	58	0.95
Other Noncurrent Nonoperating Assets	4.65	5.62	3.95	5.65	6.92	8.22	-
Total Liabilities & Shareholders' Equity	1,822	1,789	1,757	1,765	1,724	1,701	1,607
Total Liabilities	1,469	1,444	1,420	1,435	1,402	1,384	1,298
Total Current Liabilities	38	34	30	31	27	26	67
Accounts Payable	38	34	30	31	27	26	34
Total Noncurrent Liabilities	1,435	1,416	1,394	1,410	1,382	1,367	1,222
Long-Term Debt	1,396	1,378	1,359	1,373	1,345	1,330	1,231
Other Noncurrent Operating Liabilities	39	37	36	37	37	37	-9.65
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	353	345	336	331	322	317	308
Total Preferred & Common Equity	353	345	336	331	322	317	308
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	353	345	336	331	322	317	308
Common Stock	131	128	125	121	118	116	113
Retained Earnings	372	367	362	360	354	351	346
Treasury Stock	-150	-150	-150	-150	-150	-150	-150
Accumulated Other Comprehensive Income / (Loss)	-0.09	-0.04	-0.22	-0.40	-0.37	-0.38	-0.46

This table displays calculated financial ratios and metrics derived from Regional Management's official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	6.73%	8.72%	18.40%
EBITDA Growth	44.03%	-8.46%	-31.00%
EBIT Growth	45.76%	-11.35%	-30.79%
NOPAT Growth	44.70%	-13.20%	-31.17%
Net Income Growth	158.35%	-68.85%	-42.24%
EPS Growth	149.40%	-68.68%	-36.37%
Operating Cash Flow Growth	7.93%	11.07%	18.68%
Free Cash Flow Firm Growth	-100.51%	189.18%	-939.58%
Invested Capital Growth	6.75%	-47.30%	139.38%
Revenue Q/Q Growth	2.29%	1.78%	2.53%
EBITDA Q/Q Growth	23.67%	-8.34%	-14.53%
EBIT Q/Q Growth	23.65%	-8.42%	-14.48%
NOPAT Q/Q Growth	26.22%	-14.42%	-13.84%
Net Income Q/Q Growth	73.67%	-38.44%	-26.41%
EPS Q/Q Growth	72.50%	-40.07%	-24.39%
Operating Cash Flow Q/Q Growth	-1.12%	2.82%	1.53%
Free Cash Flow Firm Q/Q Growth	-100.49%	841.59%	-270.80%
Invested Capital Q/Q Growth	4.34%	-48.96%	6.51%
Profitability Metrics	-	-	-
Gross Margin	37.81%	31.65%	35.65%
EBITDA Margin	21.59%	16.00%	19.00%
Operating Margin	21.85%	16.00%	19.63%
EBIT Margin	21.86%	16.00%	19.63%
Profit (Net Income) Margin	7.01%	2.89%	10.10%
Tax Burden Percent	76.24%	76.78%	78.42%
Interest Burden Percent	42.04%	23.55%	65.62%
Effective Tax Rate	23.76%	23.22%	21.58%
Return on Invested Capital (ROIC)	6.06%	2.99%	3.71%
ROIC Less NNEP Spread (ROIC-NNEP)	1.61%	0.33%	2.22%
Return on Net Nonoperating Assets (RNNOA)	6.08%	2.07%	13.62%
Return on Equity (ROE)	12.14%	5.06%	17.32%
Cash Return on Invested Capital (CROIC)	-0.47%	64.94%	-78.43%
Operating Return on Assets (OROA)	6.95%	5.01%	6.25%
Return on Assets (ROA)	2.23%	0.91%	3.22%
Return on Common Equity (ROCE)	12.14%	5.06%	17.32%
Return on Equity Simple (ROE_SIMPLE)	11.55%	4.95%	16.60%
Net Operating Profit after Tax (NOPAT)	98	68	78
NOPAT Margin	16.66%	12.29%	15.39%
Net Nonoperating Expense Percent (NNEP)	4.44%	2.65%	1.48%
Return On Investment Capital (ROIC_SIMPLE)	5.34%	3.93%	4.69%
Cost of Revenue to Revenue	62.19%	68.35%	64.35%
SG&A Expenses to Revenue	8.34%	8.24%	8.30%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	15.96%	15.64%	16.03%
Earnings before Interest and Taxes (EBIT)	129	88	100
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	127	88	96
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.96	0.73	0.79
Price to Tangible Book Value (P/TBV)	1.03	0.76	0.82
Price to Revenue (P/Rev)	0.58	0.42	0.48
Price to Earnings (P/E)	8.31	14.68	4.77
Dividend Yield	3.56%	5.04%	4.71%
Earnings Yield	12.04%	6.81%	20.95%
Enterprise Value to Invested Capital (EV/IC)	1.00	0.95	0.49
Enterprise Value to Revenue (EV/Rev)	2.83	2.69	2.85
Enterprise Value to EBITDA (EV/EBITDA)	13.09	16.80	15.02
Enterprise Value to EBIT (EV/EBIT)	12.93	16.80	14.54
Enterprise Value to NOPAT (EV/NOPAT)	16.97	21.88	18.54
Enterprise Value to Operating Cash Flow (EV/OCF)	6.19	5.95	6.45
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	1.01	0.00
Leverage & Solvency	-	-	-
Debt to Equity	4.14	4.34	4.39
Long-Term Debt to Equity	4.14	4.34	4.39
Financial Leverage	3.77	6.19	6.12
Leverage Ratio	5.45	5.58	5.39
Compound Leverage Factor	2.29	1.31	3.53
Debt to Total Capital	80.55%	81.29%	81.45%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	80.55%	81.29%	81.45%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	19.45%	18.71%	18.55%
Debt to EBITDA	11.63	15.86	14.06
Net Debt to EBITDA	10.39	14.15	12.48
Long-Term Debt to EBITDA	11.63	15.86	14.06
Debt to NOPAT	15.08	20.66	17.36
Net Debt to NOPAT	13.47	18.42	15.41
Long-Term Debt to NOPAT	15.08	20.66	17.36
Altman Z-Score	0.97	0.74	1.96
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Current Ratio	2.22	-2.64	47.39
Quick Ratio	0.10	0.11	45.11
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-7.58	1,474	-1,652
Operating Cash Flow to CapEx	5,321.07%	5,310.44%	3,819.07%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.32	0.31	0.32
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	42.86	38.95	36.93
Accounts Payable Turnover	9.16	10.15	7.86
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	39.84	35.95	46.46
Cash Conversion Cycle (CCC)	-39.84	-35.95	-46.46
Capital & Investment Metrics	-	-	-
Invested Capital	1,672	1,566	2,972
Invested Capital Turnover	0.36	0.24	0.24
Increase / (Decrease) in Invested Capital	106	-1,406	1,730
Enterprise Value (EV)	1,663	1,483	1,448
Market Capitalization	342	234	244
Book Value per Share	$35.13	$32.77	$32.20
Tangible Book Value per Share	$32.72	$31.16	$30.93
Total Capital	1,835	1,722	1,664
Total Debt	1,478	1,400	1,355
Total Long-Term Debt	1,478	1,400	1,355
Net Debt	1,321	1,248	1,203
Capital Expenditures (CapEx)	5.05	4.69	5.87
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-88	-276	1,436
Debt-free Net Working Capital (DFNWC)	48	-147	1,568
Net Working Capital (NWC)	48	-147	1,568
Net Nonoperating Expense (NNE)	57	52	27
Net Nonoperating Obligations (NNO)	1,315	1,244	2,663
Total Depreciation and Amortization (D&A)	-1.54	-0.01	-3.15
Debt-free, Cash-free Net Working Capital to Revenue	-14.87%	-50.01%	283.09%
Debt-free Net Working Capital to Revenue	8.18%	-26.67%	309.08%
Net Working Capital to Revenue	8.18%	-26.67%	309.08%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$4.28	$1.70	$5.51
Adjusted Weighted Average Basic Shares Outstanding	9.64M	9.40M	9.30M
Adjusted Diluted Earnings per Share	$4.14	$1.66	$5.30
Adjusted Weighted Average Diluted Shares Outstanding	9.96M	9.59M	9.66M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.83M	9.76M	9.52M
Normalized Net Operating Profit after Tax (NOPAT)	98	68	78
Normalized NOPAT Margin	16.66%	12.29%	15.39%
Pre Tax Income Margin	9.19%	3.77%	12.88%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	29.45%	74.48%	22.16%
Augmented Payout Ratio	38.04%	74.48%	62.40%

This table displays calculated financial ratios and metrics derived from Regional Management's official financial filings.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	9.30%	3.88%	7.15%	6.60%	7.30%	7.17%	8.64%	12.02%	10.49%	17.94%
EBITDA Growth	313.00%	5.49%	19.19%	29.19%	-50.83%	15.17%	7.89%	-16.18%	-50.92%	-34.41%
EBIT Growth	308.12%	6.02%	21.01%	31.88%	-50.41%	10.42%	2.94%	-18.64%	-51.17%	-32.96%
NOPAT Growth	353.17%	-1.25%	18.13%	34.36%	-82.11%	18.54%	4.55%	-20.51%	15.61%	-34.50%
Net Income Growth	230.90%	-13.12%	40.21%	74.99%	-416.77%	-12.40%	-49.73%	-67.56%	-88.49%	-54.69%
EPS Growth	223.08%	-16.48%	36.51%	73.33%	-336.36%	-14.15%	-49.19%	-66.29%	-83.82%	-49.76%
Operating Cash Flow Growth	-4.56%	11.21%	15.17%	11.06%	11.36%	23.17%	-2.45%	14.99%	5.96%	15.74%
Free Cash Flow Firm Growth	-105.69%	682.84%	188.01%	93.57%	183.06%	50.63%	-438.40%	-441.87%	-592.57%	60.67%
Invested Capital Growth	6.75%	-47.78%	-46.81%	4.55%	-47.30%	9.96%	120.54%	129.11%	139.38%	23.79%
Revenue Q/Q Growth	5.80%	2.32%	-0.89%	1.87%	0.55%	5.54%	-1.40%	2.55%	0.43%	6.98%
EBITDA Q/Q Growth	9.93%	1.40%	-22.38%	377.34%	-71.92%	14.56%	-15.87%	81.69%	-34.23%	7.32%
EBIT Q/Q Growth	10.29%	1.49%	-22.30%	369.25%	-71.35%	15.84%	-15.32%	76.46%	-36.21%	8.00%
NOPAT Q/Q Growth	13.72%	1.67%	-23.35%	411.36%	-75.22%	21.62%	-12.82%	-31.92%	64.22%	7.27%
Net Income Q/Q Growth	29.37%	-9.26%	-44.46%	300.75%	-185.87%	46.44%	-30.68%	263.40%	-76.25%	-15.97%
EPS Q/Q Growth	26.32%	-11.63%	-44.87%	300.00%	-185.71%	44.44%	-30.00%	172.73%	-68.87%	-14.52%
Operating Cash Flow Q/Q Growth	-15.01%	5.07%	22.27%	-12.59%	-0.97%	8.82%	17.91%	-12.35%	9.54%	-13.82%
Free Cash Flow Firm Q/Q Growth	-105.40%	5.87%	1,444.22%	-107.41%	652.74%	84.01%	1.82%	4.25%	-228.53%	-74.34%
Invested Capital Q/Q Growth	4.34%	1.89%	-48.58%	95.25%	-48.96%	3.79%	1.08%	-1.59%	6.51%	108.16%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	36.59%	36.67%	36.45%	41.62%	21.71%	35.57%	33.35%	36.28%	27.69%	35.30%
EBITDA Margin	20.71%	19.93%	20.11%	25.68%	5.48%	19.63%	18.08%	21.19%	11.96%	18.26%
Operating Margin	21.03%	20.17%	20.34%	25.94%	5.63%	19.76%	18.01%	20.97%	12.19%	19.18%
EBIT Margin	21.03%	20.17%	20.34%	25.94%	5.63%	19.76%	18.01%	20.97%	12.19%	19.18%
Profit (Net Income) Margin	6.40%	5.24%	5.90%	10.54%	-5.35%	6.26%	4.51%	6.42%	1.81%	7.66%
Tax Burden Percent	77.73%	75.39%	75.25%	76.28%	79.46%	80.94%	77.09%	74.87%	194.07%	75.39%
Interest Burden Percent	39.17%	34.43%	38.58%	53.24%	-119.48%	39.14%	32.50%	40.88%	7.66%	52.96%
Effective Tax Rate	22.27%	24.61%	24.75%	23.72%	0.00%	19.06%	22.91%	25.13%	-94.07%	24.61%
Return on Invested Capital (ROIC)	5.94%	3.75%	3.85%	3.71%	0.96%	2.96%	3.44%	3.90%	5.69%	2.84%
ROIC Less NNEP Spread (ROIC-NNEP)	4.74%	3.01%	3.16%	3.21%	0.28%	2.43%	2.76%	3.20%	4.10%	2.44%
Return on Net Nonoperating Assets (RNNOA)	17.85%	17.58%	18.29%	26.16%	1.76%	19.87%	16.36%	18.64%	25.12%	18.53%
Return on Equity (ROE)	23.79%	21.33%	22.14%	29.86%	2.72%	22.83%	19.80%	22.53%	30.82%	21.37%
Cash Return on Invested Capital (CROIC)	-0.47%	66.11%	64.57%	-1.94%	64.94%	-6.78%	-71.72%	-74.96%	-78.43%	-17.67%
Operating Return on Assets (OROA)	6.68%	6.47%	6.60%	8.41%	1.76%	6.35%	5.86%	6.84%	3.88%	6.50%
Return on Assets (ROA)	2.03%	1.68%	1.92%	3.41%	-1.68%	2.01%	1.47%	2.09%	0.58%	2.59%
Return on Common Equity (ROCE)	23.79%	21.33%	22.14%	29.86%	2.72%	22.83%	19.80%	22.53%	30.82%	21.37%
Return on Equity Simple (ROE_SIMPLE)	0.00%	6.73%	7.22%	6.68%	0.00%	7.84%	8.45%	10.46%	0.00%	22.57%
Net Operating Profit after Tax (NOPAT)	25	22	22	29	5.58	23	19	21	31	19
NOPAT Margin	16.35%	15.21%	15.30%	19.79%	3.94%	16.00%	13.88%	15.70%	23.65%	14.46%
Net Nonoperating Expense Percent (NNEP)	1.20%	0.73%	0.70%	0.50%	0.67%	0.53%	0.68%	0.70%	1.59%	0.40%
Return On Investment Capital (ROIC_SIMPLE)	1.38%	-	-	-	0.32%	-	-	-	1.88%	-
Cost of Revenue to Revenue	63.41%	63.33%	63.55%	58.38%	78.29%	64.43%	66.65%	63.72%	72.31%	64.70%
SG&A Expenses to Revenue	8.12%	8.55%	8.43%	8.27%	8.49%	8.43%	7.85%	8.17%	7.76%	8.67%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	15.56%	16.50%	16.11%	15.68%	16.08%	15.81%	15.34%	15.31%	15.51%	16.12%
Earnings before Interest and Taxes (EBIT)	33	30	29	37	7.98	28	24	28	16	25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	32	29	29	37	7.76	28	24	29	16	24
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.96	0.94	0.82	0.69	0.73	0.79	0.86	0.73	0.79	0.80
Price to Tangible Book Value (P/TBV)	1.03	1.00	0.87	0.73	0.76	0.82	0.90	0.76	0.82	0.83
Price to Revenue (P/Rev)	0.58	0.58	0.49	0.42	0.42	0.48	0.52	0.44	0.48	0.50
Price to Earnings (P/E)	8.31	13.90	11.24	10.31	14.68	10.00	10.37	7.08	4.77	3.56
Dividend Yield	3.56%	3.67%	4.22%	5.06%	5.04%	4.54%	4.17%	4.93%	4.71%	4.48%
Earnings Yield	12.04%	7.19%	8.89%	9.70%	6.81%	10.00%	9.65%	14.12%	20.95%	28.11%
Enterprise Value to Invested Capital (EV/IC)	1.00	0.99	0.96	0.47	0.95	0.48	0.49	0.48	0.49	0.48
Enterprise Value to Revenue (EV/Rev)	2.83	2.76	2.66	2.58	2.69	2.74	2.74	2.69	2.85	2.71
Enterprise Value to EBITDA (EV/EBITDA)	13.09	15.43	14.96	14.98	16.80	15.43	15.77	15.46	15.02	11.88
Enterprise Value to EBIT (EV/EBIT)	12.93	15.25	14.80	14.87	16.80	15.42	15.59	15.10	14.54	11.51
Enterprise Value to NOPAT (EV/NOPAT)	16.97	20.42	19.33	19.27	21.88	18.76	19.51	19.13	18.54	14.79
Enterprise Value to Operating Cash Flow (EV/OCF)	6.19	5.83	5.73	5.68	5.95	6.13	6.36	6.08	6.45	6.07
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	1.03	1.04	0.00	1.01	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	4.14	3.96	4.00	4.04	4.34	4.15	4.18	4.20	4.39	3.99
Long-Term Debt to Equity	4.14	3.96	4.00	4.04	4.34	4.15	4.18	4.20	4.39	3.99
Financial Leverage	3.77	5.83	5.80	8.16	6.19	8.17	5.93	5.83	6.12	7.61
Leverage Ratio	5.45	5.25	5.27	5.29	5.58	5.28	5.28	5.20	5.39	4.98
Compound Leverage Factor	2.14	1.81	2.03	2.82	-6.67	2.07	1.71	2.12	0.41	2.64
Debt to Total Capital	80.55%	79.82%	79.99%	80.15%	81.29%	80.59%	80.71%	80.76%	81.45%	79.97%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	80.55%	79.82%	79.99%	80.15%	81.29%	80.59%	80.71%	80.76%	81.45%	79.97%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	19.45%	20.18%	20.01%	19.85%	18.71%	19.41%	19.29%	19.24%	18.55%	20.03%
Debt to EBITDA	11.63	13.58	13.62	14.06	15.86	14.26	14.52	14.64	14.06	10.92
Net Debt to EBITDA	10.39	12.20	12.18	12.56	14.15	12.73	12.77	12.91	12.48	9.70
Long-Term Debt to EBITDA	11.63	13.58	13.62	14.06	15.86	14.26	14.52	14.64	14.06	10.92
Debt to NOPAT	15.08	17.97	17.59	18.09	20.66	17.34	17.96	18.11	17.36	13.59
Net Debt to NOPAT	13.47	16.14	15.74	16.16	18.42	15.48	15.80	15.97	15.41	12.08
Long-Term Debt to NOPAT	15.08	17.97	17.59	18.09	20.66	17.34	17.96	18.11	17.36	13.59
Altman Z-Score	0.80	0.81	0.69	1.87	0.59	1.85	1.86	1.85	1.80	1.88
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	2.22	1.93	-2.59	54.90	-2.64	53.73	59.19	60.55	47.39	23.16
Quick Ratio	0.10	0.12	0.13	52.46	0.11	51.49	56.15	57.56	45.11	21.45
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-80	1,488	1,406	-105	1,411	-255	-1,597	-1,627	-1,699	-517
Operating Cash Flow to CapEx	4,211.21%	5,765.08%	5,913.56%	5,698.93%	6,292.85%	8,089.58%	5,412.03%	3,196.66%	1,859.72%	8,528.77%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.32	0.32	0.32	0.32	0.31	0.32	0.33	0.33	0.32	0.34
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	42.86	41.72	40.56	39.41	38.95	40.85	38.72	37.22	36.93	39.79
Accounts Payable Turnover	9.16	11.00	12.34	13.43	10.15	11.16	11.56	9.57	7.86	8.39
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	39.84	33.18	29.57	27.17	35.95	32.72	31.56	38.15	46.46	43.49
Cash Conversion Cycle (CCC)	-39.84	-33.18	-29.57	-27.17	-35.95	-32.72	-31.56	-38.15	-46.46	-43.49
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,672	1,602	1,572	3,058	1,566	3,068	2,956	2,925	2,972	2,790
Invested Capital Turnover	0.36	0.25	0.25	0.19	0.24	0.19	0.25	0.25	0.24	0.20
Increase / (Decrease) in Invested Capital	106	-1,466	-1,384	133	-1,406	278	1,616	1,648	1,730	536
Enterprise Value (EV)	1,663	1,586	1,515	1,447	1,483	1,486	1,461	1,405	1,448	1,340
Market Capitalization	342	332	282	233	234	260	278	232	244	246
Book Value per Share	$35.13	$34.75	$34.85	$35.16	$32.77	$33.61	$33.34	$33.25	$32.20	$32.19
Tangible Book Value per Share	$32.72	$32.56	$32.91	$33.35	$31.16	$32.08	$31.89	$31.89	$30.93	$31.01
Total Capital	1,835	1,749	1,723	1,695	1,722	1,703	1,666	1,646	1,664	1,540
Total Debt	1,478	1,396	1,378	1,359	1,400	1,373	1,345	1,330	1,355	1,231
Total Long-Term Debt	1,478	1,396	1,378	1,359	1,400	1,373	1,345	1,330	1,355	1,231
Net Debt	1,321	1,254	1,233	1,214	1,248	1,226	1,183	1,173	1,203	1,094
Capital Expenditures (CapEx)	1.52	1.30	1.21	1.03	1.06	0.84	1.15	1.65	3.23	0.64
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-88	-85	-266	1,482	-276	1,487	1,431	1,417	1,436	1,361
Debt-free Net Working Capital (DFNWC)	48	36	-122	1,604	-147	1,611	1,573	1,552	1,568	1,478
Net Working Capital (NWC)	48	36	-122	1,604	-147	1,611	1,573	1,552	1,568	1,478
Net Nonoperating Expense (NNE)	15	15	13	13	13	14	13	13	29	8.94
Net Nonoperating Obligations (NNO)	1,315	1,249	1,227	2,721	1,244	2,737	2,635	2,608	2,663	2,482
Total Depreciation and Amortization (D&A)	-0.50	-0.35	-0.32	-0.38	-0.21	-0.19	0.10	0.30	-0.30	-1.21
Debt-free, Cash-free Net Working Capital to Revenue	-14.87%	-14.74%	-46.59%	264.44%	-50.01%	274.44%	268.90%	271.65%	283.09%	275.16%
Debt-free Net Working Capital to Revenue	8.18%	6.17%	-21.46%	286.29%	-26.67%	297.41%	295.48%	297.39%	309.08%	298.81%
Net Working Capital to Revenue	8.18%	6.17%	-21.46%	286.29%	-26.67%	297.41%	295.48%	297.39%	309.08%	298.81%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.02	$0.79	$0.88	$1.59	($0.81)	$0.94	$0.64	$0.93	$0.32	$1.09
Adjusted Weighted Average Basic Shares Outstanding	9.64M	9.68M	9.61M	9.57M	9.40M	9.43M	9.40M	9.33M	9.30M	9.20M
Adjusted Diluted Earnings per Share	$0.96	$0.76	$0.86	$1.56	($0.78)	$0.91	$0.63	$0.90	$0.33	$1.06
Adjusted Weighted Average Diluted Shares Outstanding	9.96M	10.09M	9.86M	9.75M	9.59M	9.65M	9.57M	9.62M	9.66M	9.53M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.83M	10.16M	10.16M	9.90M	9.76M	9.83M	9.84M	9.64M	9.52M	9.59M
Normalized Net Operating Profit after Tax (NOPAT)	25	22	22	29	5.58	23	19	21	11	19
Normalized NOPAT Margin	16.35%	15.21%	15.30%	19.79%	3.94%	16.00%	13.88%	15.70%	8.53%	14.46%
Pre Tax Income Margin	8.24%	6.95%	7.85%	13.81%	-6.73%	7.74%	5.85%	8.57%	0.93%	10.16%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	29.45%	50.91%	48.29%	53.49%	74.48%	45.56%	43.21%	34.57%	22.16%	15.75%
Augmented Payout Ratio	38.04%	50.91%	48.29%	53.49%	74.48%	45.56%	43.21%	69.53%	62.40%	61.79%

Frequently Asked Questions About Regional Management's Financials

When does Regional Management's financial year end?

According to the most recent income statement we have on file, Regional Management's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Regional Management's net income changed over the last 2 years?

Regional Management's net income appears to be on a downward trend, with a most recent value of $41.23 million in 2024, falling from $51.22 million in 2022. The previous period was $15.96 million in 2023. Find out what analysts predict for Regional Management in the coming months.

What is Regional Management's operating income?

Regional Management's total operating income in 2024 was $128.61 million, based on the following breakdown:

Total Gross Profit: $222.51 million
Total Operating Expenses: $93.91 million

How has Regional Management revenue changed over the last 2 years?

Over the last 2 years, Regional Management's total revenue changed from $507.19 million in 2022 to $588.50 million in 2024, a change of 16.0%.

How much debt does Regional Management have?

Regional Management's total liabilities were at $1.55 billion at the end of 2024, a 5.4% increase from 2023, and a 9.6% increase since 2022.

How much cash does Regional Management have?

In the past 2 years, Regional Management's cash and equivalents has ranged from $3.87 million in 2022 to $4.51 million in 2023, and is currently $3.95 million as of their latest financial filing in 2024.

How has Regional Management's book value per share changed over the last 2 years?

Over the last 2 years, Regional Management's book value per share changed from 32.20 in 2022 to 35.13 in 2024, a change of 9.1%.

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This page (NYSE:RM) was last updated on 5/24/2025 by MarketBeat.com Staff

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Regional Management (RM) Financials

Frequently Asked Questions About Regional Management's Financials

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Regional Management (RM) Financials

Annual Income Statements for Regional Management

Quarterly Income Statements for Regional Management

Annual Cash Flow Statements for Regional Management

Quarterly Cash Flow Statements for Regional Management

Annual Balance Sheets for Regional Management

Quarterly Balance Sheets for Regional Management

Annual Metrics And Ratios for Regional Management

Quarterly Metrics And Ratios for Regional Management

Frequently Asked Questions About Regional Management's Financials

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