Regional Management Corp
NYSE:RM

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Regional Management Corp Logo
Regional Management Corp
NYSE:RM
Watchlist
Price: 39.06 USD -1.98%
Market Cap: 379.3m USD
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Revenue
+
3Y
+27%
5Y
+68%
10Y
+194%
Operating Income
+
3Y
+42%
5Y
+25%
10Y
+189%
Net Income
+
3Y
-41%
5Y
+47%
10Y
+113%

Earnings Waterfall
Regional Management Corp

Revenue
630.7m USD
Operating Expenses
-494.4m USD
Operating Income
136.3m USD
Other Expenses
-94.9m USD
Net Income
41.4m USD

Income Statement
Regional Management Corp

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Income Statement
Currency: USD
Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Interest Expense
10
10
11
12
12
13
12
11
12
11
13
14
14
15
15
15
15
15
15
16
16
17
18
19
20
20
21
22
24
26
29
31
33
36
38
39
40
41
40
39
38
35
33
33
31
0
24
27
34
51
60
65
67
68
70
72
75
77
79
82
Revenue
87
N/A
90
+4%
94
+4%
98
+5%
105
+7%
112
+6%
108
-4%
117
+8%
136
+16%
143
+5%
162
+13%
171
+5%
171
N/A
181
+6%
190
+5%
199
+5%
205
+3%
208
+1%
213
+3%
214
+1%
217
+1%
222
+2%
226
+2%
233
+3%
241
+3%
250
+4%
258
+3%
264
+3%
273
+3%
279
+2%
286
+3%
295
+3%
307
+4%
316
+3%
328
+4%
341
+4%
356
+4%
370
+4%
376
+2%
375
0%
374
0%
376
+0%
385
+3%
406
+5%
428
+5%
452
+5%
475
+5%
495
+4%
507
+3%
522
+3%
532
+2%
542
+2%
551
+2%
560
+2%
570
+2%
575
+1%
589
+2%
597
+1%
612
+2%
631
+3%
Gross Profit
Cost of Revenue
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
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
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Gross Profit
86
N/A
89
+4%
93
+5%
97
+5%
104
+7%
110
+5%
106
-4%
115
+8%
134
+17%
0
N/A
0
N/A
0
N/A
171
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
Operating Income
Operating Expenses
(50)
(51)
(55)
(56)
(59)
(63)
(61)
(68)
(83)
(90)
(103)
(110)
(110)
(123)
(134)
(153)
(166)
(171)
(175)
(167)
(163)
(164)
(167)
(173)
(182)
(189)
(196)
(203)
(208)
(212)
(215)
(221)
(227)
(235)
(245)
(250)
(257)
(267)
(263)
(266)
(270)
(262)
(275)
(284)
(301)
(324)
(364)
(398)
(428)
(429)
(439)
(445)
(463)
(463)
(467)
(471)
(460)
(477)
(487)
(494)
Selling, General & Administrative
(33)
(29)
(31)
(32)
(34)
(36)
(36)
(39)
(45)
(48)
(53)
(55)
(56)
(58)
(63)
(69)
(77)
(88)
(92)
(94)
(94)
(91)
(92)
(96)
(96)
(97)
(99)
(101)
(105)
(108)
(110)
(112)
(114)
(116)
(120)
(124)
(127)
(134)
(137)
(141)
(143)
(143)
(147)
(149)
(158)
(165)
(171)
(180)
(180)
(184)
(186)
(190)
(198)
(198)
(200)
(199)
(199)
(204)
(206)
(207)
Other Operating Expenses
(17)
(23)
(23)
(24)
(24)
(27)
(26)
(30)
(38)
(42)
(50)
(55)
(55)
(65)
(71)
(84)
(89)
(83)
(83)
(74)
(69)
(73)
(75)
(78)
(86)
(92)
(97)
(102)
(104)
(104)
(105)
(109)
(113)
(119)
(125)
(126)
(130)
(133)
(126)
(125)
(127)
(119)
(128)
(135)
(142)
(158)
(193)
(219)
(248)
(244)
(252)
(257)
(265)
(265)
(268)
(272)
(261)
(274)
(281)
(287)
Operating Income
36
N/A
37
+4%
38
+2%
41
+8%
46
+11%
47
+3%
45
-5%
47
+5%
51
+9%
53
+4%
58
+10%
60
+3%
60
+0%
58
-3%
56
-5%
46
-17%
39
-15%
36
-7%
38
+6%
47
+23%
54
+15%
57
+5%
59
+3%
60
+1%
59
-2%
61
+4%
62
+1%
61
-1%
64
+5%
67
+5%
71
+6%
75
+4%
79
+7%
81
+2%
83
+2%
91
+10%
99
+8%
103
+4%
113
+9%
109
-3%
104
-4%
114
+9%
110
-3%
122
+11%
128
+4%
128
0%
111
-13%
96
-13%
79
-18%
93
+18%
94
+1%
96
+3%
88
-8%
97
+10%
102
+5%
104
+2%
129
+24%
120
-7%
125
+4%
136
+9%
Pre-Tax Income
Interest Income Expense
(10)
(10)
(10)
(12)
(12)
(13)
(12)
(11)
(12)
(11)
(13)
(14)
(14)
(15)
(15)
(15)
(15)
(15)
(15)
(16)
(16)
(17)
(18)
(19)
(20)
(20)
(21)
(22)
(24)
(26)
(29)
(31)
(34)
(36)
(38)
(39)
(40)
(41)
(40)
(39)
(38)
(35)
(34)
(33)
(31)
(24)
(24)
(27)
(34)
(51)
(60)
(65)
(67)
(68)
(70)
(72)
(75)
(77)
(79)
(82)
Non-Reccuring Items
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
0
0
0
0
0
0
0
(24)
(33)
(32)
(30)
0
16
16
16
11
18
20
21
0
0
0
0
0
0
0
0
0
0
0
Pre-Tax Income
26
N/A
27
+6%
28
+4%
30
+5%
33
+13%
34
+2%
33
-2%
36
+8%
39
+10%
42
+7%
46
+9%
46
+2%
46
N/A
44
-6%
41
-7%
31
-24%
24
-23%
22
-10%
23
+7%
32
+36%
38
+21%
40
+5%
41
+2%
41
N/A
39
-5%
41
+4%
41
+1%
39
-5%
40
+4%
42
+3%
43
+3%
44
+3%
46
+5%
45
-2%
45
0%
52
+16%
59
+13%
39
-35%
39
+2%
38
-3%
36
-6%
79
+121%
92
+17%
106
+15%
113
+6%
114
+1%
105
-8%
89
-15%
65
-27%
42
-36%
34
-19%
32
-7%
21
-34%
29
+40%
33
+12%
32
-2%
54
+70%
43
-20%
46
+5%
54
+19%
Net Income
Tax Provision
(9)
(10)
(10)
(11)
(12)
(13)
(12)
(13)
(15)
(16)
(17)
(17)
(18)
(17)
(16)
(12)
(9)
(8)
(9)
(12)
(15)
(16)
(16)
(16)
(15)
(14)
(14)
(13)
(13)
(14)
(13)
(12)
(11)
(10)
(10)
(12)
(14)
(8)
(10)
(10)
(9)
(21)
(21)
(24)
(24)
(24)
(23)
(20)
(14)
(9)
(7)
(6)
(5)
(7)
(8)
(8)
(13)
(10)
(11)
(13)
Income from Continuing Operations
16
17
18
19
21
21
21
23
25
27
29
29
29
27
25
19
15
13
14
19
23
25
25
25
24
27
27
26
27
28
30
32
35
35
35
40
45
30
30
28
27
59
71
82
89
90
82
70
51
33
27
26
16
22
25
24
41
33
35
41
Net Income (Common)
16
N/A
17
+6%
18
+3%
19
+4%
21
+13%
21
+2%
21
-2%
23
+9%
25
+9%
27
+7%
29
+8%
29
+1%
29
N/A
27
-7%
25
-7%
19
-23%
15
-22%
13
-10%
14
+8%
19
+36%
23
+21%
25
+5%
25
+2%
25
N/A
24
-4%
27
+10%
27
+1%
26
-4%
30
+18%
31
+3%
33
+8%
35
+6%
35
0%
35
-1%
35
0%
40
+15%
45
+12%
30
-32%
30
-3%
28
-5%
27
-5%
59
+119%
71
+22%
82
+15%
89
+8%
90
+1%
82
-9%
70
-15%
51
-27%
33
-35%
27
-18%
26
-5%
16
-38%
22
+41%
25
+11%
24
-5%
41
+74%
33
-20%
35
+5%
41
+19%
EPS (Diluted)
1.7
N/A
1.41
-17%
1.45
+3%
1.95
+34%
2.19
+12%
2.22
+1%
1.32
-41%
1.86
+41%
2.07
+11%
2.07
N/A
2.21
+7%
2.24
+1%
2.23
0%
2.07
-7%
1.91
-8%
1.46
-24%
1.14
-22%
1.02
-11%
1.09
+7%
1.48
+36%
1.79
+21%
1.89
+6%
2.08
+10%
2.13
+2%
1.99
-7%
2.25
+13%
2.28
+1%
2.17
-5%
2.54
+17%
2.57
+1%
2.75
+7%
2.92
+6%
2.93
+0%
2.88
-2%
2.88
N/A
3.41
+18%
3.8
+11%
2.78
-27%
2.68
-4%
2.53
-6%
2.4
-5%
5.28
+120%
6.59
+25%
7.82
+19%
8.36
+7%
9
+8%
8.43
-6%
7.33
-13%
5.27
-28%
3.45
-35%
2.84
-18%
2.69
-5%
1.66
-38%
2.3
+39%
2.52
+10%
2.35
-7%
4.14
+76%
3.29
-21%
3.52
+7%
4.08
+16%

See Also

Summary
RM intrinsic value, competitors valuation, and company profile.
DCF Valuation
RM stock valuation using Discount Cash Flow valuation method.
Relative Valuation
RM stock valuation using valuation multiples.
Wall Street Estimates
RM price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
RM stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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