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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% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 472.96 | 483.94 | 513.97 | 560.78 |
| Operating Revenue | - | 472.96 | 483.94 | 513.97 | 560.78 |
| Selling General And Administration | - | 198.72 | 218.09 | 221.88 | 229.37 |
| Interest Income | - | 450.85 | 489.70 | 528.89 | 578.95 |
| Interest Expense | - | 34.22 | 67.46 | 74.53 | 84.81 |
| Net Interest Income | - | 416.63 | 422.24 | 454.36 | 494.14 |
| Pretax Income | - | 65.32 | 20.78 | 54.08 | 57.78 |
| Tax Provision | - | 14.10 | 4.82 | 12.85 | 13.36 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income From Continuing And Discontinued Operation | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income From Continuing Operation Net Minority Interest | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income Common Stockholders | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Net Income Including Noncontrolling Interests | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Normalized Income | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Diluted NI Availto Com Stockholders | - | 51.22 | 15.96 | 41.23 | 44.41 |
| Basic Average Shares | - | 9.30 | 9.40 | 9.64 | 9.43 |
| Diluted Average Shares | - | 9.66 | 9.59 | 9.96 | 9.98 |
| Reconciled Depreciation | - | 12.69 | 14.63 | 14.07 | 16.25 |
| Total Unusual Items | -0.16 | -0.14 | - | - | - |
| Total Unusual Items Excluding Goodwill | -0.16 | -0.14 | - | - | - |
| Special Income Charges | -0.16 | -0.14 | - | - | - |
| Other Special Charges | 0.16 | 0.14 | - | - | - |
| 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 |
| Selling And Marketing Expense | - | 15.38 | 15.77 | 19.01 | 18.55 |
| Occupancy And Equipment | - | 23.81 | 25.03 | 25.82 | 28.20 |
| Other Non Interest Expense | -0.16 | -0.14 | - | - | - |
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 | $331M | 7.45↓ discount | 0.89 | 11.9% | - |
| USCB Financial Holdings, Inc. | USCB | $340M | 13.01 | 1.56 | 12.0% | - |
| Avidbank Holdings, Inc. | AVBH | $338M | -17.30 | 1.20 | -7.0% | - |
| Chemung Financial Corporation | CHMG | $336M | 22.26 | 1.32 | 5.9% | - |
| Waterstone Financial, Inc. | WSBF |
| - |
| - |
| - |
| - |
| - |
| $336M |
| 12.72 |
| 0.96 |
| 7.6% |
| - |
| The First Bancorp, Inc. | FNLC | $331M | 9.62 | 1.17 | 12.1% | - |
| Norwood Financial Corp. | NWFL | $329M | 11.86 | 1.36 | 11.5% | - |
| LINKBANCORP, Inc. | LNKB | $326M | 9.72 | 1.06 | 10.9% | - |
| Timberland Bancorp, Inc. | TSBK | $323M | 11.08 | 1.23 | 11.1% | - |
| Peer Median | - | 11.47 | 1.22 | 11.0% | - | |