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Friday 6 November 2026 Export RM’s income statement to Excel — free account

Regional Management Corp.

RM Financial Credit Services

Regional Management Corp.’s revenue for fiscal 2025 (year ended December 2025) was $645.6 million, up 9.70% from fiscal 2024.

Revenue
+8.03%
EPS
+9.80%
Free cash flow
−5.64%
Total debt
+10.9%

Quarter to September 2026, against a year earlier

36.32 1.30 −3.46%
Market cap
$336.6M
P/E
7.2×
Fwd P/E
7.2×
Dividend yield
3.19%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.35
Sold, $m 12.47
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 — — — — 1 — — —
Sell 2 3 2 — 7 2 — 2 1 2 2 1
Insider Ownership 10.53%

Capital & Financial Ratios $m

Size
Market Cap 336.60
Revenue ttm 683.77
Net income ttm 47.58
Free cash flow ttm 306.29
Net debt Q 1,604.95
Valuation
P/E 7.18
Forward P/E 7.20
Price / sales 0.49
Forward P/S Powerpack
Price / FCF 1.10
Price / book 0.88
Financial health
Current ratio Q 60.68
Debt / equity Q 4.58
Interest coverage Q 1.82
Growth
Revenue growth Q +8.03% (above 0%: growing)
Operating income growth Q +7.43% (above 0%: growing)
EPS, this year +13.33%
EPS, next year A +31.06% (at or above 15%: strong)
Revenue, next year A +20.32% (at or above 10%: strong)
EPS, past 5 yrs +13.14%
EPS, next 5 yrs A +21.29% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 26.18%
10-year low 10-year high
P/S against its own 10 years 19.47%
10-year low 10-year high
P/B against its own 10 years 31.13%
10-year low 10-year high

Dividends

Yield
3.19%
Annual rate
1.20
Payout ratio
24.3%
Growth, 2020–25
+43.1%/yr
  1. 0.20 ’20
  2. 0.95 ’21 +375
  3. 1.20 ’22 +26
  4. 1.20 ’23 +0
  5. 1.20 ’24 +0
  6. 1.20 ’25 +0
  7. 1.33 ’26e +11
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 129 136 98 141
Receivables 1,536 1,645 1,866 1,930
Inventory — — — —
Other — — — —
1,665 1,781 1,964 2,071
2023 2024 2025 Q'26
Payables 40 39 39 34
ST’ Debt — — — —
Other — — — —
40 39 39 34

Compound Annual Growth %

10y 5y 3y
Sales 11.50% 11.54% 8.38%
Cash Flow 14.00% 13.38% 11.27%
Earnings 6.63% 10.69% (4.65%)
Book Value 6.16% 6.51% 6.53%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY25 Estimate 1.46 Actual 1.42

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY24 0.88 0.98 Beat by 0.10
Q1 FY25 0.67 0.70 Beat by 0.03
Q2 FY25 0.72 1.03 Beat by 0.31
Q3 FY25 1.46 1.42 Miss by 0.04

EPS $

Mar Jun Sep Dec Year
’26 1.18 0.85 1.61 — —
’25 0.70 1.03 1.42 1.30 4.45
’24 1.56 0.86 0.76 0.98 4.14
’23 0.90 0.63 0.91 (0.80) 1.66
’22 2.67 1.24 1.06 0.25 5.30
’21 2.31 1.87 2.11 2.04 8.33
’20 (0.56) 0.68 1.01 1.28 2.40
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 167 168 179 — —
’25 153 157 165 170 646
’24 144 143 146 155 589
’23 135 133 141 142 551
’22 121 123 131 132 507
’21 98 100 111 119 428
’20 96 90 91 97 374
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 81 81 83 — —
’25 64 79 87 80 309
’24 58 71 75 64 269
’23 53 62 68 67 249
’22 46 64 55 60 224
’21 35 50 47 57 189
’20 45 40 41 40 165
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 77 76 78 — —
’25 59 75 83 76 292
’24 55 67 70 60 252
’23 49 59 65 64 237
’22 44 61 52 55 213
’21 34 49 46 54 182
’20 43 38 40 39 160
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 241 272 307 356 374 428 507 551 589 646 684 +11.6% 777 830 875 +10.7%
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT 39 40 46 59 36 112 65 21 54 58 61 +4.5%
EBT margin, % 16.19 14.78 14.97 16.58 9.61 26.26 12.88 3.77 9.19 8.95 8.98 (7.2) pt
Net income 24 30 35 45 27 89 51 16 41 44 48 +7.1%
Per share, $
Per share, $ Revenue 20.34 23.59 26.32 31.20 34.21 42.69 54.56 58.67 61.05 68.48 76.19 +14.4%
Earnings 2.03 2.59 3.03 3.92 2.45 8.84 5.51 1.70 4.28 4.71 5.23 +9.8%
Cash flow 8.48 9.99 12.55 13.88 15.09 18.84 24.13 26.51 27.90 32.78 36.14 +16.2%
Capex (0.93) (0.91) (0.58) (0.64) (0.49) (0.68) (1.23) (1.28) (1.80) (1.81) (2.01) +7.7%
Free cash flow 7.55 9.08 11.97 13.23 14.60 18.15 22.90 25.23 26.09 30.97 34.13 +17.0%
Book value 17.55 20.73 23.95 26.56 24.90 28.18 33.20 34.29 37.04 39.57 42.49 +9.5%
Shares, m 12 12 12 11 11 10 9 9 10 9 9 (2.5%)
Valuation, ×
Valuation, × P/E 13.05 10.17 7.94 7.60 12.24 6.51 5.31 15.50 7.94 8.19 7.18 9.4
P/S 1.32 1.12 0.91 0.96 0.87 1.35 0.53 0.45 0.56 0.57 0.49 0.9
P/B 1.53 1.27 1.00 1.13 1.20 2.04 0.87 0.77 0.92 0.98 0.88 1.2
EV/Sales 3.30 3.11 2.87 3.05 2.72 3.56 2.92 2.75 2.83 2.96 — 3.0
EV/FCF 8.89 8.09 6.32 7.19 6.37 8.37 6.97 6.39 6.62 6.54 — 7.2
Cash, $m
Cash, $m Operating cash flow 100 115 146 158 165 189 224 249 269 309 324 +13.3%
Capex (11) (11) (7) (7) (5) (7) (11) (12) (17) (17) (18) +5.0%
Free cash flow 89 105 139 151 160 182 213 237 252 292 306 +14.1%
Balance, $m
Balance, $m Working capital 674 772 899 1,070 983 1,319 1,568 1,624 1,741 1,925 2,037 +12.4%
Net debt 477 545 601 742 690 948 1,214 1,267 1,336 1,544 1,605 +13.9%
Shareholders’ equity 207 239 279 303 272 283 309 322 357 373 381 +6.7%
Returns, %
Returns, % ROA 3.59 3.89 3.96 4.23 2.36 6.92 3.22 0.91 2.23 2.21 2.24 (1.4) pt
ROIC 5.38 5.12 5.63 5.93 4.79 7.31 4.09 3.47 4.75 4.65 4.85 (0.7) pt
ROE 11.65 13.41 13.63 15.37 9.30 31.97 17.32 5.06 12.14 12.16 12.63 +0.5 pt
People
People Employees 1,363 1,448 1,535 1,638 1,542 1,691 1,991 2,081 2,131 2,112 — +5.0%
Revenue/emp, $m 0.18 0.19 0.20 0.22 0.24 0.25 0.25 0.26 0.28 0.31 — +6.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Regional Management Corp. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
RM Regional Management Corp. $336.6M 7.2× 7.2× +8.03% (above 0%: growing) +9.80% (above 0%: growing) −5.64% (below 0%: shrinking) 100.00% 24.60%
PMTS CPI Card Group Inc. $286.3M 17.1× 14.7× +14.78% (above 0%: growing) +115.00% (above 0%: growing) +90.21% (above 0%: growing) 31.73% 9.89% Compare
MFIN Medallion Financial Corp. $223.7M 8.6× 8.8× +10.13% (above 0%: growing) −67.65% (below 0%: shrinking) +176.13% (above 0%: growing) 66.95% 0.00% Compare
FOA Finance of America Companies Inc. $222.1M — (loss-making) 2.6× −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10% Compare
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
Median of peers $255.0M 8.9× 6.8× +6.66% +45.45% −3.69% 80.88% 0.00%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 9 April 2026

Ownership

Directors and executive officers, together 10.90%
Forager Fund, LP 11.20%
Basswood Capital Management, L.L.C. 9.10%
Dimensional Fund Advisors LP 8.10%
BlackRock, Inc. 7.20%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Regional Management Corp. (RM) Latest News

29 Oct

Impact 4 · · MarketBeat
Impact 3 · · Moby

28 Oct

Impact 4 · · The Motley Fool transcript
Impact 3 · · Associated Press earnings
Impact 3 · · Business Wire
Impact 3 · · Business Wire

7 Aug

Impact 3 · · The Motley Fool transcript

30 Jul

Impact 4 ·
Impact 3 · · Moby transcript
Impact 3 · · MarketBeat

29 Jul

Impact 3 ·

2 May

Impact 3 · · MarketBeat

1 May

Impact 3 · · Simply Wall St.

30 Apr

Impact 4 · · GuruFocus.com

29 Apr

Impact 4 · · The Motley Fool transcript
Impact 3 · · Business Wire

9 Mar

Impact 4 · · Insider Monkey

3 Mar

Impact 4 · · Business Wire
Impact 4 · · Insider Monkey

5 Feb

Impact 4 · · MarketBeat transcript
Impact 4 · · GuruFocus.com

4 Feb

Impact 4 · · The Motley Fool transcript
Impact 4 ·
Impact 4 · · Business Wire

13 Jan

Impact 4 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

10 Nov

Impact 3 ·

6 Nov

Impact 4 · · GuruFocus.comGuruFocus.comAssociated Press FinanceZacksGuruFocus.comStockStoryGuruFocus.comStockStory

5 Nov

Impact 4 · · The Motley Fool transcript
Impact 4 · · Associated Press Finance
Impact 3 ·
stockrow.com/RM · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com