MARKETS / NYSE / RM

NYSE · PERSONAL CREDIT INSTITUTIONS · MID CAP

Regional Management Corp. RM

16 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$645.6M

▲ 9.7% YoY

Net income

$44.4M

▲ 7.7% YoY

Free cash flow

$304.3M

▲ 15.3% YoY

In brief

What this company does

Regional Management Corp. provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. As of December 31, 2025, it operated under the name "Regional Finance" online and in branch locations in 19 states across the United States, serving 590,800 active accounts. As of December 31, 2025, it had 2,112 employees, all located within the United States and none covered by a collective bargaining agreement. Its core products are large and small installment loans, complemented by optional payment and collateral protection insurance offered to customers. Its optional payment and collateral protection insurance products include credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance.

Written from the business description in Regional Management Corp.'s annual report to the U.S. Securities and Exchange Commission, filed 20 February 2026. Every sentence was checked against that document before publication.

Growth

USD 645.6M

Revenue, FY2025 · full 16-year series below

Revenue $M Net income $M

FY2025 · Revenue 645.6 · Net income 44.4

Compound annual growth

Revenue

+8.4%

+11.5%

+14.3%

Net income

−4.6%

+10.7%

+6.6%

+6.8%

EPS, diluted

−5.7%

+13.1%

+9.5%

+6.6%

Dividend / share

+0.0%

+43.1%

Returned to shareholders

+5.2%

+14.8%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +11.5% a year over five years — but profit grew slower: net income at +10.7%, earnings per share at +13.1%.

The share count fell from 0.01B to 0.01B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

7 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 8.9% · Net 6.9%

ROE

FY2025 · ROE 12.2%

Gross margin—

Operating margin8.9%

Net margin6.9%

Return on assets2.2%

EBITDAUSD 74.0M

Each USD of equity produced 12 cents of profit this year.

Cash & shareholders

USD 24.0M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 304.3

Net buybacks $M Dividends $M

FY2025 · Dividends — · Net buybacks 24.0

Dividends paid—

Net buybacksUSD 24.0M

Share of profit54.0%

Consecutive raises—

USD 24.0M in buybacks — 54% of the year's profit went back to shareholders.

Total assetsUSD 2.1B

EquityUSD 373.1M

CashUSD 98.0M

Gross debtUSD 1.6B

Net debtUSD 1.5B

Net debt stands at 414% of equity.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	0.6	0.6	0.6	0.5	0.4	0.4	0.4	0.3	0.3	0.2	0.2	0.2	0.2	0.1	0.1	0.1
Operating income $B	0.1	0.1	0.0	0.1	0.1	0.0	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EBITDA $B	0.1	0.1	0.0	0.1	0.1	0.0	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Income tax $B	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
Net income $B	0.0	0.0	0.0	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.3	0.3	0.2	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.0
EPS, diluted $	4.45	4.14	1.66	5.30	8.33	2.40	3.80	2.93	2.54	1.99	1.79	1.14	2.23	2.07	2.19	1.70
Dividend / sh $	1.20	1.20	1.20	1.20	0.95	0.20	·	·	·	·	·	·	·	·	·	·
Payout %	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
ROE %	12.2	12.1	5.1	17.3	32.0	9.3	15.4	13.6	13.4	11.6	12.2	8.7	19.8	27.3	50.7	53.2
Shares out B	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 47 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 10 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityPersonal Credit Institutions

Listed onNYSE

Incorporated inDelaware

Fiscal year endsDecember 31

Data on record since2010