RM - NYSE

Regional Management Corp.

RM·NYSE

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$315.29M

EPS4.6300

P/E Ratio7.40

Earnings Date07/29/2026

2.18B

Assets

14%

3Y+27.0%

5Y+98.0%

10Y+207.0%

1.81B

Total Liabilities

17%

3Y+28.0%

5Y+118.0%

10Y+259.0%

373.09M

Total Equity

3Y+21.0%

5Y+37.0%

10Y-45.0%

Regional Management Corp. Funding & Solvency Profile

RM · NYSE

Current Assets

Cash & Cash Equivalents98.00M

Net Receivables1.87B

Inventory0.00

Other Current Assets14.13M

Total Current Assets2 B

Non-Current Assets

Property, Plant & Equipment56.98M

Goodwill & Intangible Assets31.78M

Long-Term Investments24.21M

Other Non-Current Assets92.35M

Total Non-Current Assets174 M

Total Assets

2.18B

Financial Health Analysis

Current Ratio

8.39x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

4.85x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

2 B

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

91% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Regional Management Corp. Balance Sheet

RM • NYSE

Regional Management Corp. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	98M	4M	4.5M	3.9M	10.5M	8.1M	2.3M	3.7M	5.2M	4.4M	7.7M	4M	4.1M	3.3M	4.8M	856K
Short-Term Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	62K	120K	0.0	0.0	1K	0.0	0.0
Cash & Short-Term Investments	98M	4M	4.5M	3.9M	10.5M	8.1M	2.3M	3.7M	5.2M	4.4M	7.7M	4M	4.1M	3.3M	4.8M	856K
Net Receivables	1.9B	4.3M	12.9M	13.7M	2.7M	3.2M	1.9M	2.3M	0.0	725K	163K	1.6M	514.6M	0.0	942K	229.2M
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.3M	942K	792K
Other Receivables	1.9B	4.3M	12.9M	13.7M	2.7M	3.2M	1.9M	2.3M	11.5M	725K	163K	1.6M	514.6M	3.7M	0.0	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	2.1M	1M	-842.7M	-62K	-120K	0.0	-518.7M	-1K	0.0	0.0
Prepaids	0.0	8.7M	9.7M	9.1M	8.7M	8.9M	3.3M	4.2M	2.8M	2.6M	1.8M	1.9M	1.5M	1M	733K	324K
Other Current Assets	14.1M	0.0	0.0	0.0	0.0	0.0	-5.3M	0.0	0.0	0.0	0.0	0.0	4.1M	0.0	0.0	0.0
Total Current Assets	2B	16.9M	27.1M	26.7M	21.9M	20.2M	4.1M	3.7M	16.7M	5.2M	7.7M	5.6M	4.1M	9.3M	5.8M	230.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	57M	52.1M	48.1M	49M	41.7M	41.1M	41.7M	13.9M	12.3M	11.7M	10.4M	8.9M	7.1M	5.1M	4.4M	3.1M
Goodwill	0.0	0.0	0.0	0.0	716K	716K	716K	716K	716K	716K	716K	716K	716K	363K	0.0	0.0
Intangible Assets	31.8M	24.5M	15.8M	12.1M	8.8M	8M	8.7M	9.3M	9.9M	5.7M	473K	847K	1.4M	1.8M	942K	0.0
Goodwill & Intangible Assets	31.8M	24.5M	15.8M	12.1M	9.5M	8.7M	9.4M	10M	10.6M	6.4M	1.2M	1.6M	2.1M	2.2M	960K	0.0
Long-Term Investments	24.2M	1.7B	1.6B	1.5B	1.3B	986.5M	21.1M	-975.5M	-819.8M	-717M	-8.5M	0.0	0.0	0.0	0.0	0.0
Tax Assets	0.0	9.3M	13.6M	13.8M	18.4M	14.1M	30.1M	975.5M	842.7M	735.1M	20.1M	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	92.4M	113.2M	105.8M	102.7M	94.6M	33.2M	-51.2M	927.8M	-22.9M	-18.1M	-11.6M	-10.5M	-9.2M	-8M	-5.4M	-3.1M
Total Non-Current Assets	205.3M	1.9B	1.8B	1.7B	1.4B	1.1B	51.2M	951.7M	22.9M	18.1M	11.6M	10.5M	9.2M	8M	5.4M	3.1M
Other Assets	0.0	0.0	0.0	0.0	0.0	0.0	1.1B	1M	789.9M	688.9M	609.8M	514.2M	520.6M	413.9M	293M	8.2M
Total Assets	2.2B	1.9B	1.8B	1.7B	1.5B	1.1B	1.2B	956.4M	829.5M	712.2M	629.1M	530.3M	533.9M	431.2M	304.2M	241.4M
LIABILITIES
CURRENT LIABILITIES
Total Payables	39.4M	0.0	0.0	0.0	0.0	0.0	28.7M	25.1M	18.6M	15.2M	12.7M	10.5M	7.3M	0.0	0.0	365K
Accounts Payable	39.4M	0.0	0.0	0.0	0.0	0.0	28.7M	25.1M	18.6M	15.2M	12.7M	10.5M	7.3M	0.0	0.0	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	365K
Short Term Debt	235.7M	315.5M	244.9M	164.7M	240.3M	325M	0.0	0.0	0.0	0.0	337.3M	0.0	0.0	0.0	206M	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	23.9M	0.0	0.0	0.0	0.0
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	364.4M	-25.1M	495.1M	436.4M	325.6M	330.9M	355.4M	285.4M	0.0	0.0
Other Current Liabilities	-39.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-18.6M	-15.2M	-349.9M	-10.5M	-7.3M	-7M	-206M	-365K
Total Current Liabilities	235.7M	315.5M	244.9M	164.7M	240.3M	325M	393.1M	25.9M	513.7M	451.6M	338.3M	341.4M	362.8M	292.4M	206M	0.0
NON-CURRENT LIABILITIES
Long Term Debt	1.5B	1.2B	1.2B	1.2B	856.7M	437.2M	798.6M	651.3M	566.5M	489.5M	411.2M	341.4M	362.8M	292.4M	25.8M	0.0
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	797.6M	696.3M	603.3M	527.7M	0.0	0.0	-360.1M	-289.4M	0.0	0.0
Deferred Tax Liabilities (Non-Current)	83.3M	0.0	0.0	0.0	0.0	0.0	29.5M	747K	5M	-38.1M	575K	0.0	2.7M	3M	0.0	0.0
Other Non-Current Liabilities	-6.6M	39.5M	40.4M	33.8M	49.3M	40.3M	-827.1M	0.0	-571.5M	-489.5M	-411.2M	0.0	-362.8M	-292.4M	-25.8M	0.0
Total Non-Current Liabilities	1.6B	1.2B	1.2B	1.3B	936.7M	506.7M	827.1M	651.3M	571.5M	489.5M	411.8M	341.4M	2.7M	3M	25.8M	0.0
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	-364.4M	0.0	-495.1M	-436.4M	-326.2M	-341.4M	7.3M	5.3M	7.4M	0.0
Capital Lease Obligations	46M	40.6M	36.6M	36.7M	30.7M	29.2M	28.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.8B	1.6B	1.5B	1.4B	1.2B	831.7M	855.8M	677.2M	590.1M	504.7M	423.8M	341.4M	372.7M	300.6M	239.3M	0.0
SHAREHOLDERS' EQUITY
Treasury Stock	-177.8M	-153.7M	-150.1M	-150.1M	-129.5M	-62.1M	-50.1M	-25M	-25M	-25M	0.0	0.0	0.0	0.0	0.0	0.0
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	248.8M	204.1M	168.8M	138.8M	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	1.5M	1.5M	1.5M	1.4M	1.4M	1.4M	1.4M	1.3M	1.3M	1.3M	1.3M	1.3M	1.3M	1.2M	934K	934K
Additional Paid-In Capital	138.7M	130.7M	121.8M	112.4M	104.7M	105.5M	102.7M	98.8M	94.4M	92.4M	89.2M	85.7M	83.3M	80.2M	28.2M	28M
Retained Earnings	410.7M	378.5M	349.6M	345.5M	306.1M	227.3M	248.8M	204.1M	168.8M	138.8M	114.8M	91.4M	76.6M	49.2M	23.8M	2.6M
Accumulated Other Comprehensive Income/Loss	-2K	62K	-372K	-586K	0.0	0.0	-22M	-19.8M	239.4M	207.5M	90.5M	0.0	0.0	0.0	0.0	0.0
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-239.4M	-207.5M	0.0	0.0	0.0	0.0	12M	0.0
Total Stockholders' Equity	373.1M	357.1M	322.3M	308.6M	282.7M	272.1M	302.8M	279.2M	239.4M	207.5M	205.2M	178.3M	161.2M	130.6M	64.9M	31.4M
Total Equity	373.1M	357.1M	322.3M	308.6M	282.7M	272.1M	302.8M	880.4M	783.9M	684.3M	205.2M	178.3M	161.2M	130.6M	64.9M	31.4M
Minority Interest	0.0	0.0	0.0	0.0	0.0	0.0	770.7M	601.2M	544.5M	476.8M	0.0	0.0	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	2.2B	1.9B	1.8B	1.7B	1.5B	1.1B	1.2B	956.4M	829.5M	712.2M	629.1M	530.3M	533.9M	431.2M	304.2M	241.4M
Total Investments	24.2M	1.7B	1.6B	1.5B	1.3B	986.5M	21.1M	-975.5M	-819.8M	62K	120K	0.0	0.0	1K	0.0	0.0
Total Debt	1.7B	1.5B	1.4B	1.4B	1.1B	791.4M	827.1M	651.3M	566.5M	489.5M	411.2M	341.4M	362.8M	292.4M	231.8M	0.0
Net Debt	1.6B	1.5B	1.4B	1.4B	1.1B	783.4M	824.8M	647.7M	561.3M	485.1M	403.5M	337.4M	358.6M	289.1M	227M	-856K
Shares Outstanding	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066	9,799,066

SEC Filings

RM - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 19, 2026	May 13, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	April 28, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 01, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 29, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 09, 2026	April 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 05, 2026	March 02, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 20, 2026	February 20, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 20, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 04, 2026	February 04, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 17, 2025	November 17, 2025	2025	View Filing

Showing 1 to 10 of 283 filings

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