Loading…
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 loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $561M | - | $44M | $292M | 11.9% | 9.1% | 7.7% |
| 2024 | $514M | - | $41M | $252M | 11.5% | 6.2% | 158.3% |
| 2023 | $484M | - | $16M | $237M | 5.0% | 2.3% | -68.8% |
| 2022 | $473M | - | $51M | $213M | 16.6% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 472.96 | 483.94 | 513.97 | 560.78 |
| Pretax Income | 65.32 | 20.78 | 54.08 | 57.78 |
| Tax Provision | 14.10 | 4.83 | 12.85 | 13.37 |
| Net Income | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income Common Stockholders | 51.22 | 15.96 | 41.23 | 44.41 |
| Interest Expense | 34.22 | 67.46 | 74.53 | 84.81 |
| Interest Income | 450.85 | 489.70 | 528.89 | 578.95 |
| Selling General And Administration | 198.72 | 218.09 | 221.88 | 229.37 |
| Normalized Income | 51.22 | 15.96 | 41.23 | 44.41 |
| Basic EPS | 5.51 | 1.70 | 4.28 | 4.71 |
| Diluted EPS | 5.30 | 1.66 | 4.14 | 4.45 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.22 | 0.23 | 0.24 | 0.23 |
| Total Unusual Items | -0.14 | 0 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | -0.14 | 0 | 0 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 51.22 | 15.96 | 41.23 | 44.41 |
| Reconciled Depreciation | 12.69 | 14.63 | 14.07 | 16.25 |
| Net Interest Income | 416.63 | 422.24 | 454.36 | 494.13 |
| Net Income From Continuing And Discontinued Operation | 51.22 | 15.96 | 41.23 | 44.41 |
| Diluted Average Shares | 9.66 | 9.59 | 9.96 | 9.98 |
| Basic Average Shares | 9.30 | 9.40 | 9.64 | 9.43 |
| Diluted NI Availto Com Stockholders | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income Including Noncontrolling Interests | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income Continuous Operations | 51.22 | 15.96 | 41.23 | 44.41 |
| Special Income Charges | -0.14 | 0 | 0 | 0 |
| Other Special Charges | 0.14 | 0 | 0 | 0 |
| Selling And Marketing Expense | 15.38 | 15.77 | 19.01 | 18.55 |
| General And Administrative Expense | 183.34 | 202.32 | 202.87 | 210.82 |
| Other Gand A | 42.10 | 45.44 | 49.08 | 51.18 |
| Salaries And Wages | 141.24 | 156.87 | 153.79 | 159.64 |
| Operating Revenue | 472.96 | 483.94 | 513.97 | 560.78 |
| Occupancy And Equipment | 23.81 | 25.03 | 25.82 | 28.20 |
| Other Non Interest Expense | -0.14 | 0 | 0 | 0 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Regional Management Corp.this co. | RM | $362M | 8.66 | 0.99 | 11.9% | 12.88 |
| American Integrity Insurance Group, Inc. | AII | $379M | 3.43 | 1.13 | 29.6% | 1.35 |
| First Bank | FRBA | $377M | 8.63 | 0.84 | 9.8% | - |
| Farmers & Merchants Bancorp, Inc. | FMAO | $367M | 10.18 | 0.97 | 9.0% | - |
| Primis Financial Corp. | FRST | $361M |
| 7.68 |
| 0.85 |
| -4.4% |
| - |
| Parke Bancorp, Inc. | PKBK | $356M | 8.59 | 1.05 | 11.6% | - |
| Plumas Bancorp | PLBC | $355M | 10.78 | 1.36 | 11.3% | - |
| PCB Bancorp | PCB | $343M | 8.65 | 1.06 | 9.6% | - |
| Pioneer Bancorp, Inc. | PBFS | $343M | 16.93 | 1.06 | 6.3% | - |
| Peer Median | - | 8.64 | 1.05 | 9.7% | 1.35 | |