Regional Management Corp
NYSE:RM
Income Statement
Earnings Waterfall
Regional Management Corp
Revenue
|
551.4m
USD
|
Operating Expenses
|
-463.2m
USD
|
Operating Income
|
88.2m
USD
|
Other Expenses
|
-72.3m
USD
|
Net Income
|
16m
USD
|
Income Statement
Regional Management Corp
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 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Revenue |
170
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%
|
|
Gross Profit | ||||||||||||||||||||||||||||||||||||||||||
Cost of Revenue |
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 |
48
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 |
(111)
|
(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)
|
|
Selling, General & Administrative |
(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)
|
|
Other Operating Expenses |
(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)
|
|
Operating Income |
59
N/A
|
58
-2%
|
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%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
(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)
|
|
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
|
(24)
|
(33)
|
(32)
|
(30)
|
0
|
16
|
16
|
16
|
11
|
18
|
20
|
21
|
0
|
0
|
0
|
0
|
|
Pre-Tax Income |
45
N/A
|
44
-4%
|
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%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(17)
|
(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)
|
|
Income from Continuing Operations |
28
|
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
|
|
Net Income (Common) |
28
N/A
|
27
-4%
|
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%
|
|
EPS (Diluted) |
2.17
N/A
|
2.07
-5%
|
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%
|