Regional Management Corp.

Regional Management Corp.

RMยทNYSE

$34.24

-3.8%
Financial ServicesFinancial - Credit Services

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally managed direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of February 24, 2022, the company operated through a network of approximately 350 branches in 14 states. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

At a Glance

Live Snapshot
Market Cap$315.29M
EPS4.6300
P/E Ratio7.40
Earnings Date07/29/2026
3Y+27.0%
5Y+73.0%
10Y+193.0%
3Y-13.0%
5Y+66.0%
10Y+85.0%
3Y+38.0%
5Y+79.0%
10Y+209.0%
Regional Management Corp.

Regional Management Corp. Profit Bridge

RM ยท NYSE
Revenue645.57M
Cost of Goods Sold (307.64M)
Gross Profit337.93M
Operating Expenses (257.57M)
Operating Income80.36M
Interest Expense (84.81M)
Other Income/Expense-22.58M
Pretax Income57.78M
Income Tax (13.37M)
Net Income44.41M
Net Income
44.41M

Profitability Analysis

Gross Margin

52.3%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

12.4%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

6.9%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

23.1%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

Regional Management Corp. Income Statement

RM โ€ข NYSE

Regional Management Corp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
REVENUE
645.6M
588.5M
551.4M
507.2M
428.4M
373.9M
315.6M
273.2M
248.6M
220.6M
201.1M
189.8M
156.5M
124.4M
92.9M
76.9M
64.1M
GROSS PROFIT
(307.6M)
(286.7M)
(287.5M)
(219.3M)
(120.4M)
(161.7M)
(6.5M)
(5.7M)
(7.4M)
(6.4M)
(47.3M)
(67M)
(39.2M)
(27.8M)
(0.0)
(0.0)
(0.0)
337.9M
301.8M
263.9M
287.8M
308M
212.2M
309.1M
267.5M
241.2M
214.2M
153.7M
122.8M
117.3M
96.7M
92.9M
76.9M
64.1M
OPERATING INCOME
(257.6M)
(247.7M)
(243.1M)
(222.5M)
(195.5M)
(176.3M)
-256.6M
(227M)
(208M)
(182M)
(163M)
(166M)
(110M)
(85M)
-47.1M
-41.4M
-41.1M
(240.5M)
(221.9M)
(218.1M)
(198.7M)
(171.4M)
(153.7M)
(132.4M)
(117.8M)
(109.4M)
(98.6M)
(97.8M)
(81.3M)
(59.4M)
(46.6M)
(34.1M)
(23.9M)
(24.6M)
80.4M
54.1M
20.8M
65.3M
112.5M
35.9M
59M
79.4M
64.2M
58.9M
54.4M
38.9M
60.4M
51.5M
45.8M
35.5M
23M
PRE-TAX INCOME
(84.8M)
(74.5M)
(67.5M)
(34.2M)
(31.3M)
(37.9M)
(40.1M)
(33.5M)
(23.9M)
(19.9M)
(16.2M)
(14.9M)
(14.1M)
(11.6M)
(12.3M)
(9.9M)
(8.7M)
494.1M
454.4M
422.2M
416.6M
351.2M
297.4M
281M
246.7M
225.1M
201M
179.6M
169.9M
138.2M
107.4M
79.2M
64.2M
54.9M
(17.1M)
(25.8M)
(25M)
(23.8M)
(24.1M)
(22.6M)
-389M
(109.2M)
(98.6M)
(83.4M)
(65.2M)
(84.7M)
(50.6M)
(38.4M)
-81.2M
-65.3M
-65.7M
-22.6M
0.0
0.0
0.0
0.0
0.0
0.0
-21.7M
37.3M
35.3M
-6.4M
0.0
42.9M
0.0
0.0
-1.4M
-1.1M
57.8M
54.1M
20.8M
65.3M
112.5M
35.9M
59M
45.9M
40.3M
38.9M
38.1M
23.9M
46.3M
39.9M
33.4M
25.6M
14.3M
NET INCOME
(13.4M)
(12.8M)
(4.8M)
(14.1M)
(23.8M)
(9.2M)
(14.3M)
(10.6M)
(10.3M)
(14.9M)
(14.8M)
(9.1M)
(17.5M)
(14.6M)
(12.2M)
(9.2M)
(4.5M)
44.4M
41.2M
16M
51.2M
88.7M
26.7M
44.7M
35.3M
30M
24M
23.4M
14.8M
28.8M
25.4M
21.2M
16.4M
9.9M

SEC Filings

RM - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 19, 2026
May 13, 2026
2026
8-K

8-K 2026

N/A

May 04, 2026
April 28, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 01, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 09, 2026
April 09, 2026
2026
8-K

8-K 2026

N/A

March 05, 2026
March 02, 2026
2026
8-K

8-K 2026

N/A

February 20, 2026
February 20, 2026
2026
10-K

10-K 2025 FY

FY

February 20, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 04, 2026
February 04, 2026
2026
8-K

8-K 2025

N/A

November 17, 2025
November 17, 2025
2025
Showing 1 to 10 of 283 filings