$34.24
-3.8%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.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Acceptable margins but limited operational leverage. Operating expense control is important.
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
RM โข NYSE
| Regional Management Corp. Income Statement | 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 | Dec 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 |
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 | |
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 |
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