Regional Management Corp.
RM NYSE· Personal Credit Institutions
Last close · Oct 27, 2026
$32.89
KIRA · Stoqly’s AI analyst, in plain words
- Regional Management Corp. had $646M of revenue in fiscal 2025, up 9.7% on the year before. Over five years, revenue changed +11.5% a year on average.
- Regional Management Corp. made $44.4M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.4% a year.
- Free cash flow was $304M in fiscal 2025, 47.1% of revenue.
- Regional Management Corp. returned $24.0M to shareholders in fiscal 2025, 8% of free cash flow. The diluted share count rose 0.3%.
- Regional Management Corp. owes $1.5B more than it holds in cash.
Market cap
$316M
P/E
6.9x
Revenue
$646M
Net income
$44.4M
Free cash flow
$304M
Operating margin
—
Regional Management Corp. in 30 seconds · fiscal 2025
Are sales growing?
+9.7%
Yes. Sales grew 9.7% last year.
Does it make a profit?
6.9%
A little. It keeps 6.9% of every sale as profit.
Does profit turn into cash?
47.1%
Yes. 47.1% of sales ends up as free cash.
How healthy are the accounts?
3 / 7
Weak. It passes 3 of 7 health tests.
How is the share priced?
6.9x
One share costs 6.9 times its yearly profit per share.
What Regional Management Corp. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 20, 2026
- Legal name
- Regional Management Corp.
- CIK
- 0001519401
Regional Management Corp. · RM
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $428M | $507M | $551M | $589M | $646M |
| Revenue growth | 14.6% | 18.4% | 8.7% | 6.7% | 9.7% |
| Net income | $88.7M | $51.2M | $16.0M | $41.2M | $44.4M |
| Net margin | 20.7% | 10.1% | 2.9% | 7.0% | 6.9% |
| Diluted EPS | $8.33 | $5.30 | $1.66 | $4.14 | $4.45 |
| Cash | |||||
| Cash from operations | $189M | $224M | $249M | $269M | $309M |
| Capital expenditure | $3.6M | $5.9M | $4.7M | $5.1M | $4.8M |
| Free cash flow | $185M | $218M | $244M | $264M | $304M |
| FCF margin | 43.3% | 43.1% | 44.3% | 44.8% | 47.1% |
| Share buybacks | $67.4M | $20.6M | — | $3.5M | $24.0M |
| Share count change | −4.5% | −9.3% | −0.7% | 3.8% | 0.3% |
| Debt and strength | |||||
| Cash and short-term investments | $149M | $132M | $129M | $136M | $98.0M |
| Debt incl. finance leases | $1.1B | $1.3B | $1.4B | $1.5B | $1.6B |
| Loans, net | $1.2B | $1.5B | $1.5B | — | — |
| Shareholders' equity | $283M | $309M | $322M | $357M | $373M |
| Returns and quality | |||||
| Return on equity | 32.0% | 17.3% | 5.1% | 12.1% | 12.2% |
| Return on tangible equity | 32.5% | 17.3% | 5.2% | 12.4% | 13.0% |
| Piotroski F-score | 5 | 5 | 6 | 6 | 3 |
Insiders bought, 12 months
$0.3M
2 insiders
Insiders sold, 12 months
$15.3M
15 insiders
Of sales under plans
11%
$1.6M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Regional Management Corp. · RM
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $32.89 a share, the company is worth $316M: 6.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001519401). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.