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Regional Management (RM) Financials

Regional Management logo
$41.96 +0.30 (+0.72%)
Closing price 03:59 PM Eastern
Extended Trading
$41.87 -0.09 (-0.21%)
As of 06:29 PM Eastern
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Annual Income Statements for Regional Management

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 23 -45 -44 35 45 27 89 51 16 42 44
Consolidated Net Income / (Loss)		 23 24 30 35 45 27 89 51 16 41 44
Net Income / (Loss) Continuing Operations		 23 -45 -44 35 45 27 89 51 16 41 44
Total Pre-Tax Income 		38 39 40 46 59 36 112 65 21 54 58
Total Operating Income		 54 -30 -33 79 99 74 144 100 88 129 143
Total Gross Profit		 101 0.00 0.00 136 162 141 220 181 174 223 241
Total Revenue		 217 0.00 0.00 307 356 374 428 507 551 589 646
Operating Revenue		 217 - - 307 356 374 428 507 551 589 646
Total Cost of Revenue		 117 0.00 0.00 171 194 233 209 326 377 366 405
Operating Cost of Revenue		 69 - - 84 94 110 120 141 157 154 160
Other Cost of Revenue		 47 - - 87 100 124 89 185 220 212 245
Total Operating Expenses		 46 30 33 56 63 67 76 81 86 94 98
Selling, General & Admin Expense		 22 - - 28 32 34 37 42 45 49 51
Marketing Expense		 7.02 6.84 7.13 7.75 8.21 10 14 15 16 19 19
Other Operating Expenses / (Income)		 17 23 26 21 23 23 24 24 25 26 28
Total Other Income / (Expense), net		 -16 0.00 0.00 -33 -40 -38 -31 -34 -67 -75 -85
Interest & Investment Income		 - - - - - -38 -31 -34 -67 -75 -85
Other Income / (Expense), net		 - - - - - - - 0.00 0.00 0.02 0.00
Income Tax Expense		 15 15 10 11 14 9.20 24 14 4.83 13 13
Other Adjustments to Consolidated Net Income / (Loss)		 - - - - - - - 0.00 0.00 -0.01 0.00
Other Adjustments to Net Income / (Loss) Attributable to Common Shareholders)		 - - - - - - - - -0.21 -0.43 0.06
Basic Earnings per Share		 $1.82 $2.03 $2.59 $3.03 $3.92 $2.45 $8.84 $5.51 $1.70 $4.28 $4.71
Weighted Average Basic Shares Outstanding		 12.85M 11.82M 11.55M 11.66M 11.40M 10.93M 10.03M 9.30M 9.40M 9.64M 9.43M
Diluted Earnings per Share		 $1.79 $1.99 $2.54 $2.93 $3.80 $2.40 $8.33 $5.30 $1.66 $4.14 $4.45
Weighted Average Diluted Shares Outstanding		 13.07M 11.82M 11.55M 12.08M 11.77M 11.15M 10.64M 9.66M 9.59M 9.96M 9.98M
Weighted Average Basic & Diluted Shares Outstanding		 12.84M 11.82M 11.55M 11.66M 11.02M 10.87M 9.83M 9.52M 9.76M 9.83M 9.40M
Cash Dividends to Common per Share		 - - - - - $0.20 $0.95 $1.20 $1.20 $1.20 $1.20

Quarterly Income Statements for Regional Management

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 8.82 -7.78 15 8.63 7.62 9.76 6.77 10 14 13 11
Consolidated Net Income / (Loss)		 8.82 -7.57 15 8.45 7.66 9.91 7.01 10 14 13 11
Net Income / (Loss) Continuing Operations		 8.82 -7.57 15 8.45 7.66 9.91 7.01 10 14 13 11
Total Pre-Tax Income 		11 -9.53 20 11 10 13 9.16 13 19 16 15
Total Operating Income		 28 7.98 37 29 30 33 29 34 41 39 38
Total Gross Profit		 50 31 60 52 54 57 54 58 65 63 63
Total Revenue		 141 142 144 143 146 155 153 157 165 170 167
Operating Revenue		 141 142 144 143 146 155 153 157 165 170 167
Total Cost of Revenue		 91 111 84 91 93 98 99 99 100 107 104
Operating Cost of Revenue		 40 42 38 37 38 41 41 39 40 40 39
Other Cost of Revenue		 51 69 46 54 54 58 58 61 60 66 65
Total Operating Expenses		 22 23 23 23 24 24 25 24 25 24 25
Selling, General & Admin Expense		 12 12 12 12 13 13 13 12 13 13 14
Marketing Expense		 4.08 4.47 4.32 4.84 5.08 4.78 5.41 5.06 4.21 3.87 4.18
Other Operating Expenses / (Income)		 6.32 6.27 6.38 6.15 6.55 6.75 6.91 6.91 7.16 7.23 7.48
Total Other Income / (Expense), net		 -17 -18 -18 -18 -19 -20 -20 -20 -22 -23 -23
Interest & Investment Income		 -17 -18 -18 -18 -19 -20 -20 -20 -22 -23 -23
Income Tax Expense		 2.08 -1.96 4.73 2.78 2.50 2.84 2.15 3.34 4.62 3.25 3.43
Other Adjustments to Net Income / (Loss) Attributable to Common Shareholders)		 - - -0.15 -0.18 0.05 - 0.23 -0.17 0.01 -0.01 0.03
Basic Earnings per Share		 $0.94 ($0.81) $1.59 $0.88 $0.79 $1.02 $0.73 $1.07 $1.53 $1.38 $1.24
Weighted Average Basic Shares Outstanding		 9.43M 9.40M 9.57M 9.61M 9.68M 9.64M 9.61M 9.50M 9.37M 9.43M 9.16M
Diluted Earnings per Share		 $0.91 ($0.78) $1.56 $0.86 $0.76 $0.96 $0.70 $1.03 $1.42 $1.30 $1.18
Weighted Average Diluted Shares Outstanding		 9.65M 9.59M 9.75M 9.86M 10.09M 9.96M 10.03M 9.84M 10.13M 9.98M 9.66M
Weighted Average Basic & Diluted Shares Outstanding		 9.83M 9.76M 9.90M 10.16M 10.16M 9.83M 9.92M 9.80M 9.71M 9.40M 9.21M
Cash Dividends to Common per Share		 $0.30 - $0.30 $0.30 $0.30 - $0.30 $0.30 $0.30 - $0.30

Annual Cash Flow Statements for Regional Management

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 3.64 -5.42 9.27 28 6.29 15 77 -17 -3.13 6.96 -38
Net Cash From Operating Activities		 83 100 115 146 158 165 189 224 249 269 309
Net Cash From Continuing Operating Activities		 83 100 115 146 158 165 189 225 249 269 309
Net Income / (Loss) Continuing Operations		 23 24 30 35 45 27 89 51 16 41 44
Consolidated Net Income / (Loss)		 23 24 30 35 45 27 89 51 16 41 44
Depreciation Expense		 3.92 6.44 7.36 8.80 11 13 12 13 15 14 16
Amortization Expense		 - - - - -15 -15 -16 -16 -15 -16 -16
Non-Cash Adjustments To Reconcile Net Income		 51 67 81 92 110 135 108 199 230 220 257
Changes in Operating Assets and Liabilities, net		 4.80 2.59 -3.20 9.80 7.69 5.04 -3.81 -22 3.46 9.41 7.06
Net Cash From Investing Activities		 -147 -160 -180 -199 -269 -92 -355 -447 -279 -315 -471
Net Cash From Continuing Investing Activities		 -147 -160 -180 -199 -269 -92 -355 -447 -279 -315 -471
Purchase of Property, Plant & Equipment		 -3.37 -6.43 -4.77 -5.35 -5.80 -3.93 -3.59 -5.87 -4.69 -5.05 -4.76
Acquisitions		 -1.95 -5.30 -6.36 -1.45 -1.60 -1.42 -3.27 -5.53 -7.38 -12 -12
Purchase of Investments		 - - - - - 0.00 0.00 -24 -5.90 -25 -42
Sale and/or Maturity of Investments		 - - - - - 0.00 0.00 3.13 4.06 27 40
Other Investing Activities, net		 -141 -149 -169 -192 -261 -86 -348 -415 -265 -299 -452
Net Cash From Financing Activities		 67 54 74 81 117 -58 243 206 26 53 124
Net Cash From Continuing Financing Activities		 67 54 74 81 117 -58 243 206 26 53 124
Repayment of Debt		 -5.38 -35 -5.35 -199 -1,613 -1,505 -2,145 -2,026 -1,604 -2,131 -2,146
Repurchase of Common Equity		 0.00 -25 0.00 0.00 -25 -12 -67 -21 0.00 -3.54 -24
Payment of Dividends		 - - - 0.00 0.00 -2.22 -9.54 -11 -12 -12 -11
Issuance of Debt		 73 115 15 281 1,756 1,463 2,476 2,266 1,645 2,202 2,310
Other Financing Activities, net		 -0.72 -0.49 65 -0.69 -0.94 -1.64 -9.87 -2.99 -2.63 -2.45 -4.21
Cash Interest Paid		 15 18 20 30 35 32 29 40 60 69 78
Cash Income Taxes Paid		 12 13 16 3.60 15 7.13 23 27 3.05 2.73 6.11

Quarterly Cash Flow Statements for Regional Management

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -17 4.23 -6.26 21 -23 15 -9.17 -4.54 -13 -11 5.23
Net Cash From Operating Activities		 68 67 58 71 75 64 64 79 87 80 81
Net Cash From Continuing Operating Activities		 68 67 58 71 75 64 64 79 87 80 81
Net Income / (Loss) Continuing Operations		 8.82 -7.57 15 8.45 7.66 9.91 7.01 10 14 13 11
Consolidated Net Income / (Loss)		 8.82 -7.57 15 8.45 7.66 9.91 7.01 10 14 13 11
Depreciation Expense		 3.56 3.43 3.50 3.38 3.58 3.61 3.60 3.90 4.23 4.52 4.77
Amortization Expense		 -3.75 -3.65 -3.87 -3.70 -3.93 -4.10 -4.05 -4.08 -3.99 -3.60 -3.23
Non-Cash Adjustments To Reconcile Net Income		 55 72 47 56 56 60 58 63 67 68 65
Changes in Operating Assets and Liabilities, net		 4.22 2.30 -3.51 7.57 11 -5.96 -1.26 5.25 4.92 -1.85 3.48
Net Cash From Investing Activities		 -109 -85 -20 -64 -112 -119 -60 -105 -163 -143 -35
Net Cash From Continuing Investing Activities		 -109 -85 -20 -64 -112 -119 -60 -105 -163 -143 -35
Purchase of Property, Plant & Equipment		 -0.84 -1.06 -1.03 -1.21 -1.30 -1.52 -1.28 -1.02 -1.01 -1.46 -1.11
Acquisitions		 -1.99 -1.75 -2.60 -3.02 -4.08 -2.64 -3.20 -3.09 -3.04 -2.98 -3.15
Other Investing Activities, net		 -104 -82 -17 -81 -87 -115 -56 -120 -139 -137 -31
Net Cash From Financing Activities		 25 22 -44 14 14 70 -13 22 63 53 -41
Net Cash From Continuing Financing Activities		 25 22 -44 14 14 70 -13 22 63 53 -41
Repayment of Debt		 -394 -375 -401 -577 -416 -737 -683 -390 -452 -622 -288
Repurchase of Common Equity		 - - 0.00 - - -3.54 -6.47 -5.01 -5.00 -7.51 -7.51
Payment of Dividends		 -2.84 -2.84 -3.25 -3.09 -2.90 -2.90 -3.15 -2.84 -2.77 -2.72 -3.42
Issuance of Debt		 422 402 360 594 433 816 680 419 522 688 259
Other Financing Activities, net		 -0.04 -1.89 0.15 -0.43 -0.16 -2.00 -0.41 -0.01 -0.18 -3.61 -0.63
Cash Interest Paid		 15 16 16 17 18 18 19 18 20 21 21
Cash Income Taxes Paid		 1.60 0.27 -0.97 0.88 2.59 0.23 -0.08 6.40 0.05 -0.25 -0.45

Annual Balance Sheets for Regional Management

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 626 712 829 956 1,159 1,104 1,460 1,725 1,795 1,909 2,104
Total Current Assets		 647 681 22 924 1,099 1,024 1,368 1,601 -107 88 -176
Cash & Equivalents		 7.65 4.45 5.23 3.66 2.26 8.05 11 3.87 4.51 3.95 3.82
Restricted Cash		 11 - 17 46 54 64 139 128 124 132 94
Other Current Assets		 - - - - -29 -35 -48 -51 -235 -48 -274
Plant, Property, & Equipment, net		 9.05 12 0.00 14 15 14 13 15 14 14 13
Total Noncurrent Assets		 1,190 497 11 960 44 66 78 1,588 1,892 1,814 2,275
Long-Term Investments		 - - - - - - - 20 23 22 24
Noncurrent Note & Lease Receivables		 1,376 677 - 1,238 - - - 1,470 1,771 1,893 2,140
Goodwill		 - - - 10 9.44 8.69 9.52 12 16 25 32
Noncurrent Deferred & Refundable Income Taxes		 1.98 0.03 - 0.00 0.62 14 18 14 14 9.29 0.00
Other Noncurrent Operating Assets		 -191 -186 - -297 34 43 50 63 64 -140 70
Other Noncurrent Nonoperating Assets		 - - - 9.16 - - - 9.51 4.58 6.34 8.59
Total Liabilities & Shareholders' Equity		 626 712 829 956 1,159 1,104 1,460 1,725 1,795 1,909 2,104
Total Liabilities		 421 505 590 677 856 832 1,177 1,416 1,472 1,552 1,731
Total Current Liabilities		 13 15 0.00 25 29 40 49 34 40 39 39
Accounts Payable		 13 15 - 25 29 40 49 34 40 39 39
Total Noncurrent Liabilities		 408 487 567 652 827 791 1,128 1,392 1,436 1,519 1,700
Long-Term Debt		 411 490 567 651 808 769 1,108 1,355 1,400 1,478 1,651
Noncurrent Deferred & Payable Income Tax Liabilities		 - 0.00 - 0.75 - - - - - 0.00 3.35
Other Noncurrent Operating Liabilities		 -2.69 -2.15 - 0.00 19 23 20 37 37 41 46
Commitments & Contingencies		 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 205 207 239 279 303 272 283 309 322 357 373
Total Preferred & Common Equity		 205 207 239 279 303 272 283 309 322 357 373
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 205 207 239 279 303 272 283 309 322 357 373
Common Stock		 90 94 96 100 104 107 106 114 123 132 140
Retained Earnings		 115 139 169 204 249 227 306 346 350 378 411
Treasury Stock		 0.00 -25 -25 -25 -50 -62 -130 -150 -150 -154 -178
Accumulated Other Comprehensive Income / (Loss)		 - - - - - - - -0.59 -0.37 0.06 -0.00

Quarterly Balance Sheets for Regional Management

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,607 1,701 1,724 1,765 1,757 1,789 1,822 1,901 1,967 2,028 2,073
Total Current Assets		 1,545 1,578 1,600 1,642 1,634 -88 74 79 -130 58 -167
Cash & Equivalents		 3.14 7.11 10 7.41 4.22 4.32 4.75 4.16 4.27 4.08 4.86
Restricted Cash		 114 127 131 117 118 139 116 122 118 104 98
Other Current Assets		 - -49 -49 -49 -46 -231 -47 -47 -252 -51 -271
Plant, Property, & Equipment, net		 12 15 15 14 13 13 13 14 13 13 13
Total Noncurrent Assets		 1,427 1,560 1,574 1,632 1,625 1,870 1,739 1,816 2,091 1,965 2,234
Long-Term Investments		 20 22 20 23 23 2.16 22 22 22 22 24
Noncurrent Note & Lease Receivables		 1,378 1,443 1,458 1,517 1,512 1,774 1,820 1,890 1,960 2,053 2,104
Goodwill		 11 13 14 15 17 19 22 27 29 30 33
Noncurrent Deferred & Refundable Income Taxes		 17 15 15 14 13 12 12 9.42 8.37 0.59 0.00
Other Noncurrent Operating Assets		 0.95 58 59 58 56 56 -141 -141 64 -149 66
Other Noncurrent Nonoperating Assets		 - 8.22 6.92 5.65 3.95 5.62 4.65 7.92 6.86 7.52 7.05
Total Liabilities & Shareholders' Equity		 1,607 1,701 1,724 1,765 1,757 1,789 1,822 1,901 1,967 2,028 2,073
Total Liabilities		 1,298 1,384 1,402 1,435 1,420 1,444 1,469 1,543 1,604 1,656 1,697
Total Current Liabilities		 67 26 27 31 30 34 38 0.00 0.00 0.00 32
Accounts Payable		 34 26 27 31 30 34 38 0.00 0.00 0.00 32
Total Noncurrent Liabilities		 1,222 1,367 1,382 1,410 1,394 1,416 1,435 1,551 1,611 1,664 1,672
Long-Term Debt		 1,231 1,330 1,345 1,373 1,359 1,378 1,396 1,478 1,509 1,582 1,621
Noncurrent Deferred & Payable Income Tax Liabilities		 - - - - - - - - - - 3.88
Other Noncurrent Operating Liabilities		 -9.65 37 37 37 36 37 39 73 102 82 46
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 308 317 322 331 336 345 353 358 363 372 376
Total Preferred & Common Equity		 308 317 322 331 336 345 353 358 363 372 376
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 308 317 322 331 336 345 353 358 363 372 376
Common Stock		 113 116 118 121 125 128 131 136 139 141 142
Retained Earnings		 346 351 354 360 362 367 372 383 390 401 419
Treasury Stock		 -150 -150 -150 -150 -150 -150 -150 -160 -165 -170 -185
Accumulated Other Comprehensive Income / (Loss)		 -0.46 -0.38 -0.37 -0.40 -0.22 -0.04 -0.09 -0.17 -0.00 -0.01 -0.03

Annual Metrics And Ratios for Regional Management

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.15% -100.00% 0.00% 0.00% 15.98% 5.11% 14.56% 18.40% 8.72% 6.73% 9.70%
EBITDA Growth		 36.27% -139.72% -12.64% 438.12% 7.44% -23.87% 93.70% -31.00% -8.46% 44.03% 12.62%
EBIT Growth		 39.79% -154.44% -12.97% 337.39% 24.89% -25.56% 94.93% -30.79% -11.35% 45.76% 10.86%
NOPAT Growth		 38.51% -162.21% -12.97% 361.13% 22.98% -26.96% 106.60% -31.17% -13.20% 44.70% 11.79%
Net Income Growth		 57.85% 0.00% 0.00% 0.00% 26.56% -40.24% 231.79% -42.24% -68.85% 158.35% 7.73%
EPS Growth		 57.02% 0.00% 0.00% 0.00% 29.69% -36.84% 247.08% -36.37% -68.68% 149.40% 7.49%
Operating Cash Flow Growth		 -2.86% 20.20% 15.16% 26.73% 8.14% 4.29% 14.57% 18.68% 11.07% 7.93% 14.93%
Free Cash Flow Firm Growth		 -2,258.53% 171.00% 83.81% -252.48% 147.57% -83.16% -213.28% -939.58% 189.18% -100.51% -1,373.11%
Invested Capital Growth		 101.03% -35.52% -100.00% 0.00% -41.82% -8.10% 28.10% 139.38% -47.30% 6.75% 13.24%
Revenue Q/Q Growth		 1.35% -100.00% -100.00% 253.08% -10.72% -30.82% 5.42% 2.53% 1.78% 2.29% 2.36%
EBITDA Q/Q Growth		 14.53% -135.14% -28.30% 192.19% -23.11% -51.56% -7.59% -14.53% -8.34% 23.67% 5.65%
EBIT Q/Q Growth		 15.37% -149.50% -23.11% 176.27% -12.15% -45.98% 3.60% -14.48% -8.42% 23.65% 4.58%
NOPAT Q/Q Growth		 14.77% -156.71% -23.11% 183.90% -4.84% -42.58% 5.09% -13.84% -14.42% 26.22% 5.54%
Net Income Q/Q Growth		 20.57% 0.00% 0.00% 0.00% 0.00% 0.00% 7.82% -26.41% -38.44% 73.67% 7.23%
EPS Q/Q Growth		 20.95% 0.00% 0.00% 0.00% 0.00% 0.00% 10.19% -24.39% -40.07% 72.50% 8.27%
Operating Cash Flow Q/Q Growth		 0.75% 13.43% -1.00% 6.78% 1.14% -2.05% 9.79% 1.53% 2.82% -1.12% 5.54%
Free Cash Flow Firm Q/Q Growth		 -1,171.08% 655.29% 979.42% -649.16% 256.07% -88.45% 87.14% -270.80% 841.59% -100.49% -2.01%
Invested Capital Q/Q Growth		 82.73% 2.47% -100.00% 27.98% -48.03% 6.49% -44.92% 6.51% -48.96% 4.34% 4.27%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 46.35% 0.00% 0.00% 44.21% 45.57% 37.59% 51.24% 35.65% 31.65% 37.81% 37.26%
EBITDA Margin		 26.82% 0.00% 0.00% 28.75% 26.63% 19.29% 32.61% 19.00% 16.00% 21.59% 22.17%
Operating Margin		 25.02% 0.00% 0.00% 25.88% 27.86% 19.73% 33.58% 19.63% 16.00% 21.85% 22.09%
EBIT Margin		 25.02% 0.00% 0.00% 25.88% 27.86% 19.73% 33.58% 19.63% 16.00% 21.86% 22.09%
Profit (Net Income) Margin		 10.75% 0.00% 0.00% 11.52% 12.58% 7.15% 20.70% 10.10% 2.89% 7.01% 6.88%
Tax Burden Percent		 61.26% 0.00% 0.00% 77.00% 75.83% 74.40% 78.85% 78.42% 76.78% 76.24% 76.87%
Interest Burden Percent		 70.16% 0.00% 0.00% 57.84% 59.52% 48.70% 78.20% 65.62% 23.55% 42.04% 40.52%
Effective Tax Rate		 38.74% 0.00% 0.00% 23.00% 24.17% 25.60% 21.15% 21.58% 23.22% 23.76% 23.13%
Return on Invested Capital (ROIC)		 2.45% 0.00% 0.00% 6.74% 5.24% 5.42% 10.26% 3.71% 2.99% 6.06% 6.15%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.60% 0.00% 0.00% 2.76% 2.58% 1.54% 7.27% 2.22% 0.33% 1.61% 1.55%
Return on Net Nonoperating Assets (RNNOA)		 9.74% 0.00% 0.00% 6.89% 10.13% 3.87% 21.71% 13.62% 2.07% 6.08% 6.02%
Return on Equity (ROE)		 12.18% 0.00% 0.00% 13.63% 15.37% 9.30% 31.97% 17.32% 5.06% 12.14% 12.16%
Cash Return on Invested Capital (CROIC)		 -64.68% 41.80% 196.01% -193.26% 58.12% 13.87% -14.38% -78.43% 64.94% -0.47% -6.27%
Operating Return on Assets (OROA)		 9.40% 0.00% 0.00% 16.60% 9.37% 6.52% 11.22% 6.25% 5.01% 6.95% 7.11%
Return on Assets (ROA)		 4.04% 0.00% 0.00% 7.39% 4.23% 2.36% 6.92% 3.22% 0.91% 2.23% 2.21%
Return on Common Equity (ROCE)		 12.18% 0.00% 0.00% 13.63% 15.37% 9.30% 31.97% 17.32% 5.06% 12.14% 12.16%
Return on Equity Simple (ROE_SIMPLE)		 11.39% 11.58% 12.52% 12.66% 14.77% 9.82% 31.37% 16.60% 4.95% 11.55% 0.00%
Net Operating Profit after Tax (NOPAT)		 33 -21 -23 61 75 55 113 78 68 98 110
NOPAT Margin		 15.33% 0.00% 0.00% 19.93% 21.13% 14.68% 26.48% 15.39% 12.29% 16.66% 16.98%
Net Nonoperating Expense Percent (NNEP)		 0.85% -1.61% -6.45% 3.98% 2.66% 3.89% 2.99% 1.48% 2.65% 4.44% 4.60%
Return On Investment Capital (ROIC_SIMPLE)		 - - - - - - - 4.69% 3.93% 5.34% 5.42%
Cost of Revenue to Revenue		 53.65% 0.00% 0.00% 55.79% 54.43% 62.41% 48.76% 64.35% 68.35% 62.19% 62.74%
SG&A Expenses to Revenue		 10.13% 0.00% 0.00% 9.00% 9.05% 9.03% 8.67% 8.30% 8.24% 8.34% 7.93%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 21.33% 0.00% 0.00% 18.33% 17.71% 17.85% 17.67% 16.03% 15.64% 15.96% 15.17%
Earnings before Interest and Taxes (EBIT)		 54 -30 -33 79 99 74 144 100 88 129 143
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 58 -23 -26 88 95 72 140 96 88 127 143
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.85 1.26 1.12 0.89 0.95 1.09 1.81 0.79 0.73 0.96 1.00
Price to Tangible Book Value (P/TBV)		 0.86 1.31 1.12 0.92 0.98 1.13 1.87 0.82 0.76 1.03 1.09
Price to Revenue (P/Rev)		 0.80 0.00 0.00 0.81 0.81 0.80 1.19 0.48 0.42 0.58 0.58
Price to Earnings (P/E)		 7.46 0.00 0.00 7.00 6.46 11.14 5.76 4.77 14.68 8.31 8.41
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.76% 1.84% 4.71% 5.04% 3.56% 3.12%
Earnings Yield		 13.41% 0.00% 0.00% 14.29% 15.48% 8.98% 17.35% 20.95% 6.81% 12.04% 11.88%
Enterprise Value to Invested Capital (EV/IC)		 0.31 0.64 0.00 0.47 0.99 1.03 1.18 0.49 0.95 1.00 1.00
Enterprise Value to Revenue (EV/Rev)		 2.61 0.00 0.00 2.77 2.93 2.66 3.43 2.85 2.69 2.83 2.95
Enterprise Value to EBITDA (EV/EBITDA)		 9.73 0.00 0.00 9.62 10.99 13.79 10.52 15.02 16.80 13.09 13.29
Enterprise Value to EBIT (EV/EBIT)		 10.44 0.00 0.00 10.69 10.50 13.48 10.22 14.54 16.80 12.93 13.34
Enterprise Value to NOPAT (EV/NOPAT)		 17.03 0.00 0.00 13.89 13.85 18.12 12.96 18.54 21.88 16.97 17.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.80 7.46 2.32 5.80 6.58 6.03 7.78 6.45 5.95 6.19 6.15
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 1.20 0.23 0.00 1.25 7.09 0.00 0.00 1.01 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.00 2.36 0.00 2.33 2.67 2.83 3.92 4.39 4.34 4.14 4.42
Long-Term Debt to Equity		 2.00 2.36 0.00 2.33 2.67 2.83 3.92 4.39 4.34 4.14 4.42
Financial Leverage		 6.10 6.24 1.62 2.50 3.93 2.52 2.98 6.12 6.19 3.77 3.88
Leverage Ratio		 3.02 3.24 1.59 1.84 3.63 3.94 4.62 5.39 5.58 5.45 5.50
Compound Leverage Factor		 2.12 0.00 0.00 1.07 2.16 1.92 3.61 3.53 1.31 2.29 2.23
Debt to Total Capital		 66.71% 70.23% 0.00% 70.00% 72.75% 73.86% 79.67% 81.45% 81.29% 80.55% 81.57%
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% 0.00%
Long-Term Debt to Total Capital		 66.71% 70.23% 0.00% 70.00% 72.75% 73.86% 79.67% 81.45% 81.29% 80.55% 81.57%
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% 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% 0.00%
Common Equity to Total Capital		 33.29% 29.77% 100.00% 30.00% 27.25% 26.14% 20.33% 18.55% 18.71% 19.45% 18.43%
Debt to EBITDA		 7.06 -21.15 0.00 7.39 8.53 10.66 7.93 14.06 15.86 11.63 11.53
Net Debt to EBITDA		 6.74 -20.95 0.00 6.82 7.94 9.66 6.86 12.48 14.15 10.39 10.68
Long-Term Debt to EBITDA		 7.06 -21.15 0.00 7.39 8.53 10.66 7.93 14.06 15.86 11.63 11.53
Debt to NOPAT		 12.35 -23.63 0.00 10.66 10.75 14.01 9.77 17.36 20.66 15.08 15.06
Net Debt to NOPAT		 11.80 -23.42 0.00 9.84 10.00 12.70 8.45 15.41 18.42 13.47 13.95
Long-Term Debt to NOPAT		 12.35 -23.63 0.00 10.66 10.75 14.01 9.77 17.36 20.66 15.08 15.06
Altman Z-Score		 2.35 1.57 0.00 2.24 2.20 2.13 2.26 1.96 0.74 0.97 0.81
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 51.07 44.73 0.00 36.76 38.33 25.41 27.76 47.39 -2.64 2.22 -4.47
Quick Ratio		 50.24 44.73 0.00 34.91 37.43 24.68 25.92 45.11 0.11 0.10 0.10
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -880 625 1,149 -1,751 833 140 -159 -1,652 1,474 -7.58 -112
Operating Cash Flow to CapEx		 2,477.45% 1,754.87% 2,743.83% 2,733.28% 2,753.52% 4,196.87% 5,267.98% 3,819.07% 5,310.44% 5,321.07% 6,488.98%
Free Cash Flow to Firm to Interest Expense		 -54.26 0.00 0.00 -52.34 20.77 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 5.14 0.00 0.00 4.37 3.94 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 4.93 0.00 0.00 4.21 3.80 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.38 0.00 0.00 0.64 0.34 0.33 0.33 0.32 0.31 0.32 0.32
Accounts Receivable Turnover		 0.00 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 0.00
Fixed Asset Turnover		 24.21 0.00 0.00 0.00 24.34 25.51 31.79 36.93 38.95 42.86 48.12
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 7.20 6.77 4.66 7.86 10.15 9.16 10.28
Days Sales Outstanding (DSO)		 0.00 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 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00 50.73 53.93 78.27 46.46 35.95 39.84 35.51
Cash Conversion Cycle (CCC)		 0.00 0.00 0.00 0.00 -50.73 -53.93 -78.27 -46.46 -35.95 -39.84 -35.51
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,818 1,172 0.00 1,813 1,055 969 1,242 2,972 1,566 1,672 1,893
Invested Capital Turnover		 0.16 0.00 0.00 0.34 0.25 0.37 0.39 0.24 0.24 0.36 0.36
Increase / (Decrease) in Invested Capital		 914 -646 -1,172 1,813 -758 -85 272 1,730 -1,406 106 221
Enterprise Value (EV)		 567 747 268 849 1,041 995 1,470 1,448 1,483 1,663 1,902
Market Capitalization		 174 262 268 247 289 298 511 244 234 342 373
Book Value per Share		 $15.89 $18.13 $20.52 $23.68 $27.46 $24.01 $28.53 $32.20 $32.77 $35.13 $38.41
Tangible Book Value per Share		 $15.66 $17.56 $20.52 $22.83 $26.60 $23.24 $27.57 $30.93 $31.16 $32.72 $35.14
Total Capital		 616 697 239 931 1,111 1,041 1,391 1,664 1,722 1,835 2,024
Total Debt		 411 490 0.00 651 808 769 1,108 1,355 1,400 1,478 1,651
Total Long-Term Debt		 411 490 0.00 651 808 769 1,108 1,355 1,400 1,478 1,651
Net Debt		 393 485 0.00 601 752 697 959 1,203 1,248 1,321 1,529
Capital Expenditures (CapEx)		 3.37 5.71 4.21 5.35 5.75 3.93 3.59 5.87 4.69 5.05 4.76
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 616 661 22 849 1,014 911 1,170 1,436 -276 -88 -313
Debt-free Net Working Capital (DFNWC)		 634 666 22 899 1,070 983 1,319 1,568 -147 48 -215
Net Working Capital (NWC)		 634 666 22 899 1,070 983 1,319 1,568 -147 48 -215
Net Nonoperating Expense (NNE)		 9.94 -21 -23 26 30 28 25 27 52 57 65
Net Nonoperating Obligations (NNO)		 1,612 965 -239 1,533 752 697 959 2,663 1,244 1,315 1,520
Total Depreciation and Amortization (D&A)		 3.92 6.44 7.36 8.80 -4.39 -1.66 -4.12 -3.15 -0.01 -1.54 0.53
Debt-free, Cash-free Net Working Capital to Revenue		 283.37% 0.00% 0.00% 276.75% 285.04% 243.76% 273.10% 283.09% -50.01% -14.87% -48.51%
Debt-free Net Working Capital to Revenue		 291.73% 0.00% 0.00% 293.10% 300.91% 262.98% 307.93% 309.08% -26.67% 8.18% -33.33%
Net Working Capital to Revenue		 291.73% 0.00% 0.00% 293.10% 300.91% 262.98% 307.93% 309.08% -26.67% 8.18% -33.33%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.82 $2.03 $2.59 $3.03 $3.92 $2.45 $8.84 $5.51 $1.70 $4.28 $4.71
Adjusted Weighted Average Basic Shares Outstanding		 12.85M 11.82M 11.55M 11.66M 11.40M 10.93M 10.03M 9.30M 9.40M 9.64M 9.43M
Adjusted Diluted Earnings per Share		 $1.79 $1.99 $2.54 $2.93 $3.80 $2.40 $8.33 $5.30 $1.66 $4.14 $4.45
Adjusted Weighted Average Diluted Shares Outstanding		 13.07M 12.09M 11.78M 12.08M 11.77M 11.15M 10.64M 9.66M 9.59M 9.96M 9.98M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.84M 11.58M 11.69M 11.83M 11.02M 10.87M 9.83M 9.52M 9.76M 9.83M 9.40M
Normalized Net Operating Profit after Tax (NOPAT)		 33 -21 -23 61 75 55 113 78 68 98 110
Normalized NOPAT Margin		 15.33% 0.00% 0.00% 19.93% 21.13% 14.68% 26.48% 15.39% 12.29% 16.66% 16.98%
Pre Tax Income Margin		 17.55% 0.00% 0.00% 14.97% 16.58% 9.61% 26.26% 12.88% 3.77% 9.19% 8.95%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.35 0.00 0.00 2.37 2.47 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 2.05 0.00 0.00 1.83 1.87 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 3.14 0.00 0.00 2.21 2.33 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 1.85 0.00 0.00 1.67 1.73 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 8.29% 10.75% 22.16% 74.48% 29.45% 25.86%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 55.95% 53.24% 86.80% 62.40% 74.48% 38.04% 79.86%

Quarterly Metrics And Ratios for Regional Management

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 9,831,461.00 9,920,620.00 9,799,066.00 - 9,396,929.00
DEI Adjusted Shares Outstanding		 - - - - - - 9,831,461.00 9,920,620.00 9,799,066.00 - 9,396,929.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.69 1.04 1.46 - 1.21
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.17% 7.30% 6.60% 7.15% 3.88% 9.30% 6.00% 10.08% 13.09% 9.60% 9.36%
EBITDA Growth		 15.17% -50.83% 29.19% 19.19% 5.49% 313.00% -23.13% 17.25% 41.17% 23.89% 37.92%
EBIT Growth		 10.42% -50.41% 31.88% 21.01% 6.02% 308.12% -22.72% 16.58% 38.70% 19.18% 30.51%
NOPAT Growth		 18.54% -82.11% 34.36% 18.13% -1.25% 353.17% -22.51% 16.50% 39.20% 22.50% 31.13%
Net Income Growth		 -12.40% -416.77% 74.99% 40.21% -13.12% 230.90% -53.92% 20.07% 87.34% 30.21% 62.71%
EPS Growth		 -14.15% -336.36% 73.33% 36.51% -16.48% 223.08% -55.13% 19.77% 86.84% 35.42% 68.57%
Operating Cash Flow Growth		 23.17% 11.36% 11.06% 15.17% 11.21% -4.56% 8.88% 10.02% 15.40% 25.41% 27.24%
Free Cash Flow Firm Growth		 50.63% 183.06% 93.57% 188.01% 682.84% -105.69% 1,439.07% -108.77% -112.26% -136.94% -110.99%
Invested Capital Growth		 9.96% -47.30% 4.55% -46.81% -47.78% 6.75% -45.07% 9.46% 13.32% 13.24% 10.89%
Revenue Q/Q Growth		 5.54% 0.55% 1.87% -0.89% 2.32% 5.80% -1.20% 2.93% 5.11% 2.55% -1.42%
EBITDA Q/Q Growth		 14.56% -71.92% 377.34% -22.38% 1.40% 9.93% -11.15% 18.39% 22.09% -3.53% -1.09%
EBIT Q/Q Growth		 15.84% -71.35% 369.25% -22.30% 1.49% 10.29% -11.14% 17.21% 20.75% -5.23% -2.70%
NOPAT Q/Q Growth		 21.62% -75.22% 411.36% -23.35% 1.67% 13.72% -12.56% 15.23% 21.49% 0.07% -6.40%
Net Income Q/Q Growth		 46.44% -185.87% 300.75% -44.46% -9.26% 29.37% -29.32% 44.71% 41.58% -10.08% -11.68%
EPS Q/Q Growth		 44.44% -185.71% 300.00% -44.87% -11.63% 26.32% -27.08% 47.14% 37.86% -8.45% -9.23%
Operating Cash Flow Q/Q Growth		 8.82% -0.97% -12.59% 22.27% 5.07% -15.01% -0.28% 23.55% 10.20% -7.64% 1.18%
Free Cash Flow Firm Q/Q Growth		 84.01% 652.74% -107.41% 1,444.22% 5.87% -105.40% 1,843.27% -108.81% -47.92% -4.35% 19.13%
Invested Capital Q/Q Growth		 3.79% -48.96% 95.25% -48.58% 1.89% 4.34% 0.47% 2.47% 5.48% 4.27% -1.61%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 35.57% 21.71% 41.62% 36.45% 36.67% 36.59% 35.19% 37.01% 39.58% 37.08% 37.71%
EBITDA Margin		 19.63% 5.48% 25.68% 20.11% 19.93% 20.71% 18.62% 21.42% 24.88% 23.41% 23.49%
Operating Margin		 19.76% 5.63% 25.94% 20.34% 20.17% 21.03% 18.91% 21.54% 24.74% 22.87% 22.57%
EBIT Margin		 19.76% 5.63% 25.94% 20.34% 20.17% 21.03% 18.91% 21.54% 24.74% 22.87% 22.57%
Profit (Net Income) Margin		 6.26% -5.35% 10.54% 5.90% 5.24% 6.40% 4.58% 6.44% 8.68% 7.61% 6.82%
Tax Burden Percent		 80.94% 79.46% 76.28% 75.25% 75.39% 77.73% 76.49% 75.20% 75.66% 79.89% 76.85%
Interest Burden Percent		 39.14% -119.48% 53.24% 38.58% 34.43% 39.17% 31.66% 39.76% 46.34% 41.64% 39.29%
Effective Tax Rate		 19.06% 0.00% 23.72% 24.75% 24.61% 22.27% 23.51% 24.80% 24.34% 20.11% 23.15%
Return on Invested Capital (ROIC)		 2.96% 0.96% 3.71% 3.85% 3.75% 5.94% 3.65% 6.02% 6.91% 6.62% 6.46%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.43% 0.28% 3.21% 3.16% 3.01% 4.74% 2.90% 4.83% 5.68% 5.34% 5.21%
Return on Net Nonoperating Assets (RNNOA)		 19.87% 1.76% 26.16% 18.29% 17.58% 17.85% 16.88% 17.63% 21.08% 20.73% 19.94%
Return on Equity (ROE)		 22.83% 2.72% 29.86% 22.14% 21.33% 23.79% 20.53% 23.65% 27.99% 27.35% 26.40%
Cash Return on Invested Capital (CROIC)		 -6.78% 64.94% -1.94% 64.57% 66.11% -0.47% 62.05% -3.26% -6.41% -6.27% -3.75%
Operating Return on Assets (OROA)		 6.35% 1.76% 8.41% 6.60% 6.47% 6.68% 6.18% 7.01% 8.11% 7.36% 7.50%
Return on Assets (ROA)		 2.01% -1.68% 3.41% 1.92% 1.68% 2.03% 1.50% 2.10% 2.84% 2.45% 2.26%
Return on Common Equity (ROCE)		 22.83% 2.72% 29.86% 22.14% 21.33% 23.79% 20.53% 23.65% 27.99% 27.35% 26.40%
Return on Equity Simple (ROE_SIMPLE)		 7.84% 0.00% 6.68% 7.22% 6.73% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 23 5.58 29 22 22 25 22 26 31 31 29
NOPAT Margin		 16.00% 3.94% 19.79% 15.30% 15.21% 16.35% 14.47% 16.20% 18.72% 18.27% 17.35%
Net Nonoperating Expense Percent (NNEP)		 0.53% 0.67% 0.50% 0.70% 0.73% 1.20% 0.75% 1.19% 1.23% 1.28% 1.25%
Return On Investment Capital (ROIC_SIMPLE)		 - 0.32% - - - 1.38% 1.21% 1.36% 1.59% 1.53% 1.45%
Cost of Revenue to Revenue		 64.43% 78.29% 58.38% 63.55% 63.33% 63.41% 64.81% 62.99% 60.42% 62.92% 62.29%
SG&A Expenses to Revenue		 8.43% 8.49% 8.27% 8.43% 8.55% 8.12% 8.23% 7.87% 7.96% 7.67% 8.17%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 15.81% 16.08% 15.68% 16.11% 16.50% 15.56% 16.28% 15.47% 14.84% 14.22% 15.14%
Earnings before Interest and Taxes (EBIT)		 28 7.98 37 29 30 33 29 34 41 39 38
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 7.76 37 29 29 32 28 34 41 40 39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.79 0.73 0.69 0.82 0.94 0.96 0.80 0.80 1.03 1.00 0.81
Price to Tangible Book Value (P/TBV)		 0.82 0.76 0.73 0.87 1.00 1.03 0.86 0.87 1.12 1.09 0.88
Price to Revenue (P/Rev)		 0.48 0.42 0.42 0.49 0.58 0.58 0.48 0.47 0.61 0.58 0.46
Price to Earnings (P/E)		 10.00 14.68 10.31 11.24 13.90 8.31 8.64 8.44 9.30 8.41 6.19
Dividend Yield		 4.54% 5.04% 5.06% 4.22% 3.67% 3.56% 4.13% 4.11% 3.08% 3.12% 3.72%
Earnings Yield		 10.00% 6.81% 9.70% 8.89% 7.19% 12.04% 11.58% 11.85% 10.76% 11.88% 16.15%
Enterprise Value to Invested Capital (EV/IC)		 0.48 0.95 0.47 0.96 0.99 1.00 0.96 0.96 1.01 1.00 0.96
Enterprise Value to Revenue (EV/Rev)		 2.74 2.69 2.58 2.66 2.76 2.83 2.71 2.71 2.91 2.95 2.72
Enterprise Value to EBITDA (EV/EBITDA)		 15.43 16.80 14.98 14.96 15.43 13.09 13.63 13.40 13.53 13.29 11.67
Enterprise Value to EBIT (EV/EBIT)		 15.42 16.80 14.87 14.80 15.25 12.93 13.45 13.25 13.44 13.34 11.87
Enterprise Value to NOPAT (EV/NOPAT)		 18.76 21.88 19.27 19.33 20.42 16.97 17.63 17.38 17.65 17.35 15.43
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.13 5.95 5.68 5.73 5.83 6.19 5.89 5.88 6.26 6.15 5.50
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 1.01 0.00 1.04 1.03 0.00 1.10 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 4.15 4.34 4.04 4.00 3.96 4.14 4.13 4.16 4.25 4.42 4.31
Long-Term Debt to Equity		 4.15 4.34 4.04 4.00 3.96 4.14 4.13 4.16 4.25 4.42 4.31
Financial Leverage		 8.17 6.19 8.16 5.80 5.83 3.77 5.82 3.65 3.72 3.88 3.83
Leverage Ratio		 5.28 5.58 5.29 5.27 5.25 5.45 5.27 5.31 5.31 5.50 5.42
Compound Leverage Factor		 2.07 -6.67 2.82 2.03 1.81 2.14 1.67 2.11 2.46 2.29 2.13
Debt to Total Capital		 80.59% 81.29% 80.15% 79.99% 79.82% 80.55% 80.51% 80.61% 80.97% 81.57% 81.18%
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% 0.00%
Long-Term Debt to Total Capital		 80.59% 81.29% 80.15% 79.99% 79.82% 80.55% 80.51% 80.61% 80.97% 81.57% 81.18%
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% 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% 0.00%
Common Equity to Total Capital		 19.41% 18.71% 19.85% 20.01% 20.18% 19.45% 19.50% 19.39% 19.03% 18.43% 18.82%
Debt to EBITDA		 14.26 15.86 14.06 13.62 13.58 11.63 12.47 12.22 11.68 11.53 10.53
Net Debt to EBITDA		 12.73 14.15 12.56 12.18 12.20 10.39 11.22 11.06 10.71 10.68 9.70
Long-Term Debt to EBITDA		 14.26 15.86 14.06 13.62 13.58 11.63 12.47 12.22 11.68 11.53 10.53
Debt to NOPAT		 17.34 20.66 18.09 17.59 17.97 15.08 16.13 15.85 15.23 15.06 13.92
Net Debt to NOPAT		 15.48 18.42 16.16 15.74 16.14 13.47 14.52 14.34 13.97 13.95 12.83
Long-Term Debt to NOPAT		 17.34 20.66 18.09 17.59 17.97 15.08 16.13 15.85 15.23 15.06 13.92
Altman Z-Score		 1.85 0.59 1.87 0.69 0.81 0.80 0.81 0.67 0.83 0.65 0.65
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 53.73 -2.64 54.90 -2.59 1.93 2.22 0.00 0.00 0.00 -4.47 -5.17
Quick Ratio		 51.49 0.11 52.46 0.13 0.12 0.10 0.00 0.00 0.00 0.10 0.15
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -255 1,411 -105 1,406 1,488 -80 1,400 -123 -182 -190 -154
Operating Cash Flow to CapEx		 8,089.58% 6,292.85% 5,698.93% 5,913.56% 5,765.08% 4,211.21% 4,993.33% 7,726.72% 8,548.72% 5,498.83% 7,298.11%
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 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 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 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.32 0.31 0.32 0.32 0.32 0.32 0.33 0.33 0.33 0.32 0.33
Accounts Receivable Turnover		 0.00 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 0.00
Fixed Asset Turnover		 40.85 38.95 39.41 40.56 41.72 42.86 44.11 45.74 47.74 48.12 49.59
Accounts Payable Turnover		 11.16 10.15 13.43 12.34 11.00 9.16 0.00 0.00 0.00 10.28 0.00
Days Sales Outstanding (DSO)		 0.00 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 0.00
Days Payable Outstanding (DPO)		 32.72 35.95 27.17 29.57 33.18 39.84 0.00 0.00 0.00 35.51 0.00
Cash Conversion Cycle (CCC)		 -32.72 -35.95 -27.17 -29.57 -33.18 -39.84 0.00 0.00 0.00 -35.51 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,068 1,566 3,058 1,572 1,602 1,672 1,680 1,721 1,816 1,893 1,863
Invested Capital Turnover		 0.19 0.24 0.19 0.25 0.25 0.36 0.25 0.37 0.37 0.36 0.37
Increase / (Decrease) in Invested Capital		 278 -1,406 133 -1,384 -1,466 106 -1,378 149 213 221 183
Enterprise Value (EV)		 1,486 1,483 1,447 1,515 1,586 1,663 1,615 1,655 1,833 1,902 1,797
Market Capitalization		 260 234 233 282 332 342 286 290 382 373 303
Book Value per Share		 $33.61 $32.77 $35.16 $34.85 $34.75 $35.13 $36.40 $36.59 $37.95 $38.41 $40.00
Tangible Book Value per Share		 $32.08 $31.16 $33.35 $32.91 $32.56 $32.72 $33.68 $33.68 $34.85 $35.14 $36.47
Total Capital		 1,703 1,722 1,695 1,723 1,749 1,835 1,836 1,872 1,954 2,024 1,997
Total Debt		 1,373 1,400 1,359 1,378 1,396 1,478 1,478 1,509 1,582 1,651 1,621
Total Long-Term Debt		 1,373 1,400 1,359 1,378 1,396 1,478 1,478 1,509 1,582 1,651 1,621
Net Debt		 1,226 1,248 1,214 1,233 1,254 1,321 1,330 1,365 1,451 1,529 1,494
Capital Expenditures (CapEx)		 0.84 1.06 1.03 1.21 1.30 1.52 1.28 1.02 1.01 1.46 1.11
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 1,487 -276 1,482 -266 -85 -88 -47 -252 -51 -313 -303
Debt-free Net Working Capital (DFNWC)		 1,611 -147 1,604 -122 36 48 79 -130 58 -215 -200
Net Working Capital (NWC)		 1,611 -147 1,604 -122 36 48 79 -130 58 -215 -200
Net Nonoperating Expense (NNE)		 14 13 13 13 15 15 15 15 17 18 18
Net Nonoperating Obligations (NNO)		 2,737 1,244 2,721 1,227 1,249 1,315 1,322 1,358 1,444 1,520 1,487
Total Depreciation and Amortization (D&A)		 -0.19 -0.21 -0.38 -0.32 -0.35 -0.50 -0.44 -0.18 0.23 0.92 1.54
Debt-free, Cash-free Net Working Capital to Revenue		 274.44% -50.01% 264.44% -46.59% -14.74% -14.87% -7.89% -41.18% -8.08% -48.51% -45.90%
Debt-free Net Working Capital to Revenue		 297.41% -26.67% 286.29% -21.46% 6.17% 8.18% 13.29% -21.24% 9.13% -33.33% -30.26%
Net Working Capital to Revenue		 297.41% -26.67% 286.29% -21.46% 6.17% 8.18% 13.29% -21.24% 9.13% -33.33% -30.26%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.94 ($0.81) $1.59 $0.88 $0.79 $1.02 $0.73 $1.07 $1.53 $1.38 $1.24
Adjusted Weighted Average Basic Shares Outstanding		 9.43M 9.40M 9.57M 9.61M 9.68M 9.64M 9.61M 9.50M 9.37M 9.43M 9.16M
Adjusted Diluted Earnings per Share		 $0.91 ($0.78) $1.56 $0.86 $0.76 $0.96 $0.70 $1.03 $1.42 $1.30 $1.18
Adjusted Weighted Average Diluted Shares Outstanding		 9.65M 9.59M 9.75M 9.86M 10.09M 9.96M 10.03M 9.84M 10.13M 9.98M 9.66M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.83M 9.76M 9.90M 10.16M 10.16M 9.83M 9.92M 9.80M 9.71M 9.40M 9.21M
Normalized Net Operating Profit after Tax (NOPAT)		 23 5.58 29 22 22 25 22 26 31 31 29
Normalized NOPAT Margin		 16.00% 3.94% 19.79% 15.30% 15.21% 16.35% 14.47% 16.20% 18.72% 18.27% 17.35%
Pre Tax Income Margin		 7.74% -6.73% 13.81% 7.85% 6.95% 8.24% 5.99% 8.56% 11.47% 9.52% 8.87%
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 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 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 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 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.56% 74.48% 53.49% 48.29% 50.91% 29.45% 36.45% 33.96% 28.16% 25.86% 24.08%
Augmented Payout Ratio		 45.56% 74.48% 53.49% 48.29% 50.91% 38.04% 66.76% 77.19% 76.50% 79.86% 75.35%

Financials Breakdown Chart

Key Financial Trends

Regional Management Corp. (NYSE: RM) has shown solid top-line growth and consistent profitability over the last several quarters, but the balance sheet and financing structure remain highly leveraged. The latest Q1 2026 results suggest a business that is still generating strong operating cash flow, yet it continues to rely on debt and large non-cash accounting adjustments to support the model.

What stands out most: revenue has generally trended higher year over year, net income remains positive, and operating cash flow is strong. However, RM’s debt load is still very large relative to equity, and quarter-to-quarter cash balances can swing meaningfully because of financing and investing activity.

  • Revenue growth has been durable. Q1 2026 revenue was $167.3 million, up from $152.9 million in Q1 2025 and $144.3 million in Q1 2024, showing steady expansion over the past year and a half.
  • Profitability remains intact. Q1 2026 net income attributable to common shareholders was $11.4 million, versus $7.0 million in Q1 2025 and $15.4 million in Q1 2024, indicating the company is still earning money despite a more pressured expense and financing environment.
  • Operating cash flow is strong. Q1 2026 operating cash flow came in at $81.0 million, above $80.1 million in Q4 2025 and well ahead of Q1 2025’s $63.7 million.
  • Interest income/expense line improved modestly from the prior quarter. The net other income/expense line was negative $22.9 million in Q1 2026 versus negative $22.6 million in Q4 2025, a slight improvement relative to the revenue base.
  • Equity continues to build gradually. Total common equity rose to $375.8 million in Q1 2026 from $371.9 million in Q3 2025 and $357.9 million in Q1 2025.
  • Loan growth remains the core of the asset base. Noncurrent note and lease receivables increased to $2.10 billion in Q1 2026 from $1.89 billion in Q1 2025, which supports growth but also raises credit-risk sensitivity if borrower performance weakens.
  • Cash balances are relatively small. RM had only $4.9 million in cash and equivalents at Q1 2026, though it also held $98.4 million in restricted cash.
  • Most reported earnings are supported by large non-cash add-backs. Q1 2026 included $64.6 million of non-cash adjustments to reconcile net income, which is normal for lending businesses but means accounting earnings should be viewed alongside cash flow.
  • Share count is fairly stable. Diluted shares outstanding were 9.66 million in Q1 2026, not far from prior quarters, suggesting limited dilution pressure.
  • Debt remains the biggest risk factor. Long-term debt was $1.62 billion in Q1 2026, versus only $375.8 million of equity, leaving leverage very high.
  • Financing needs are persistent. In Q1 2026, RM issued $258.5 million of debt while repaying $287.9 million, showing ongoing refinancing activity rather than a simple debt-free cash generation story.
  • Free cash flow is pressured by investing outflows and debt service. Although operating cash flow is strong, Q1 2026 still saw $34.8 million of investing outflows and $41.0 million of financing outflows.
  • Interest burden is heavy. Cash interest paid was $21.0 million in Q1 2026, up from $19.9 million in Q3 2025 and $16.3 million in Q1 2024, which can limit earnings flexibility if rates remain elevated.

Trend summary: Over the last four years, RM has generally grown revenue, maintained positive earnings, and generated robust operating cash flow. The business appears to be performing reasonably well operationally. But the balance sheet tells a more cautious story: leverage is high, debt service is substantial, and the company remains dependent on continued access to debt markets. For retail investors, RM looks like a profitable lender with solid cash generation, but one that carries meaningful balance sheet risk.

07/06/26 10:03 PM ETAI Generated. May Contain Errors.

Regional Management Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Regional Management's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Regional Management's net income appears to be on an upward trend, with a most recent value of $44.41 million in 2025, rising from $23.37 million in 2015. The previous period was $41.23 million in 2024. View Regional Management's forecast to see where analysts expect Regional Management to go next.

Regional Management's total operating income in 2025 was $142.59 million, based on the following breakdown:
  • Total Gross Profit: $240.53 million
  • Total Operating Expenses: $97.94 million

Over the last 10 years, Regional Management's total revenue changed from $217.31 million in 2015 to $645.60 million in 2025, a change of 197.1%.

Regional Management's total liabilities were at $1.73 billion at the end of 2025, a 11.5% increase from 2024, and a 311.0% increase since 2015.

In the past 10 years, Regional Management's cash and equivalents has ranged from $2.26 million in 2019 to $10.51 million in 2021, and is currently $3.82 million as of their latest financial filing in 2025.

Over the last 10 years, Regional Management's book value per share changed from 15.89 in 2015 to 38.41 in 2025, a change of 141.7%.


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Financial statements for NYSE:RM last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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