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

Regional Management Corp.

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

36.22 1.40 −3.72%

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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

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	8.19	7.94	15.50	5.31	6.51	12.24	7.60	7.94	10.17	13.05
Piotroski F-Score Full definition →	6	6	4	6	7	5	6	5	5	4
P/S ratio Full definition →	0.57	0.56	0.45	0.53	1.35	0.87	0.96	0.91	1.12	1.32
P/FCF ratio Full definition →	1.25	1.30	1.05	1.26	3.17	2.04	2.27	2.01	2.90	3.55
P/Operating CF Full definition →	4.56	5.13	3.72	4.48	10.17	8.19	7.91	6.75	9.44	9.48
P/B ratio Full definition →	0.98	0.92	0.77	0.87	2.04	1.20	1.13	1.00	1.27	1.53
Price to Tangible BV Full definition →	1.07	0.99	0.81	0.91	2.11	1.24	1.17	1.04	1.33	1.57
EV/Sales Full definition →	2.96	2.83	2.75	2.92	3.56	2.72	3.05	2.87	3.11	3.30
EV/EBITDA Full definition →	13.34	13.10	17.18	15.39	10.91	14.10	11.45	10.00	11.87	12.14
EV/Operating CF Full definition →	6.18	6.19	6.08	6.61	8.06	6.16	6.86	6.03	7.35	7.91
EV/FCF Full definition →	6.54	6.62	6.39	6.97	8.37	6.37	7.19	6.32	8.09	8.89
Quick Ratio Full definition →	49.92	45.13	41.16	47.39	27.76	25.41	38.33	36.76	42.58	45.28
Current Ratio Full definition →	49.92	45.13	41.16	47.39	27.76	25.41	38.33	36.76	42.58	45.28
Net Debt/EBITDA Full definition →	10.79	10.52	14.35	12.60	6.78	9.57	7.83	6.82	7.61	7.30
Debt/Assets Full definition →	78.05%	77.10%	77.75%	78.02%	75.15%	69.05%	68.93%	68.10%	68.30%	68.73%
Debt/Equity Full definition →	4.40	4.12	4.33	4.36	3.88	2.80	2.64	2.33	2.37	2.36
Asset Turnover Full definition →	0.32	0.32	0.31	0.32	0.33	0.33	0.34	0.34	0.35	0.36
Operating CF/Net income Full definition →	6.96	6.52	15.61	4.38	2.13	6.17	3.54	4.14	3.85	4.17
Capex/Depreciation Full definition →	(32.28)	11.27	1,207.00	3.62	1.66	3.23	1.67	(0.77)	(1.44)	(1.71)
Interest Coverage Full definition →	1.68	1.73	1.31	2.91	4.59	1.95	2.47	2.37	2.68	2.95
ROE Full definition →	12.16%	12.14%	5.06%	17.32%	31.97%	9.30%	15.37%	13.63%	13.41%	11.65%
ROA Full definition →	2.21%	2.23%	0.91%	3.22%	6.92%	2.36%	4.23%	3.96%	3.89%	3.59%
ROIC Full definition →	4.65%	4.75%	3.47%	4.09%	7.31%	4.79%	5.93%	5.63%	5.12%	5.38%
Return on Tangible Assets Full definition →	2.29%	2.35%	0.97%	3.24%	6.66%	2.68%	4.12%	3.87%	3.82%	3.50%
Average Days of Receivables Full definition →	1,055.20	1,020.24	1,016.84	1,057.60	1,038.82	929.05	1,069.83	1,040.05	1,029.59	1,026.67
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	39.90%	42.09%	44.09%	43.87%	45.64%	47.16%	44.13%	45.74%	48.06%	49.32%
Intangible Assets out of Total Assets Full definition →	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	1.84%	1.90%	2.13%	2.12%	1.73%	1.50%	1.45%	1.72%	1.34%	1.73%
Graham Net Nets Full definition →	0.64	0.70	0.77	0.69	0.33	0.59	0.71	0.88	0.66	0.58
Graham Number Full definition →	64.90	59.73	36.32	63.81	74.82	36.97	48.58	40.41	34.75	28.45
Earnings Yield Full definition →	12.21%	12.60%	6.45%	18.83%	15.37%	8.17%	13.15%	12.60%	9.84%	7.66%
Free Cash Flow Yield Full definition →	79.92%	76.79%	95.20%	79.12%	31.59%	48.91%	44.06%	49.76%	34.48%	28.20%
Revenue per Share Full definition →	68.48	61.05	58.67	54.56	42.69	34.21	31.20	26.32	23.59	20.34
Operating CF per Share Full definition →	32.78	27.90	26.51	24.13	18.84	15.09	13.88	12.55	9.99	8.48
Capex per Share Full definition →	(1.81)	(1.80)	(1.28)	(1.23)	(0.68)	(0.49)	(0.64)	(0.58)	(0.91)	(0.93)
Free Cash Flow per Share Full definition →	30.97	26.09	25.23	22.90	18.15	14.60	13.23	11.97	9.08	7.55
Cash per Share Full definition →	10.39	14.07	13.69	14.18	14.87	6.58	4.95	4.30	1.91	1.08
Shareholders Equity per Share Full definition →	39.57	37.04	34.29	33.20	28.18	24.90	26.56	23.95	20.73	17.55
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	39.57	37.04	34.29	33.20	28.18	24.90	26.56	23.95	20.73	17.55
Free Cash Flow Full definition →	291.99	251.54	237.10	212.92	182.15	159.63	150.84	139.49	104.87	89.22
Working Capital Full definition →	1,925.05	1,741.15	1,624.35	1,567.59	1,319.03	983.31	1,070.36	898.95	772.01	674.05
Capital Expenditures Full definition →	(17.08)	(17.39)	(12.07)	(11.41)	(6.86)	(5.35)	(7.35)	(6.80)	(10.56)	(11.01)
Net Current Asset Value Full definition →	233.56	228.57	192.54	185.03	191.38	191.86	243.28	246.85	200.50	184.52
EV/EBIT Full definition →	13.39	12.94	17.17	14.90	10.60	13.78	10.94	11.11	13.23	13.47
Capex to Sales Full definition →	0.03	0.03	0.02	0.02	0.02	0.01	0.02	0.02	0.04	0.05
Price to Operating Income Full definition →	2.56	2.55	2.82	2.70	4.01	4.42	3.45	3.53	4.74	5.37
Other line items
Depreciation/Fixed assets Full definition →	0.04	(0.11)	0.00	(0.22)	(0.32)	(0.12)	(0.29)	0.63	0.60	0.55
Cash ROIC Full definition →	13.82%	12.80%	12.84%	11.92%	11.91%	14.43%	13.03%	14.22%	12.67%	12.57%
Accounts Receivable Turnover Full definition →	0.37	0.37	0.37	0.38	0.39	0.38	0.37	0.37	0.38	0.38
Accounts Payable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	1,755.69	1,590.54	1,502.85	1,344.35	1,085.42	997.16	958.28	821.25	722.54	633.76
Average Payables Full definition →	39.40	39.95	37.12	41.54	44.78	34.48	26.91	21.85	16.89	13.94
Average Assets Full definition →	2,006.52	1,851.82	1,759.76	1,592.32	1,281.76	1,131.20	1,057.47	892.94	770.85	669.30
Average Common Equity Full definition →	365.09	339.68	315.45	295.68	277.43	287.45	290.97	259.29	223.44	206.35

Show all line items

Columns are period end dates · fundamentals updated 5 Nov 2026

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