NYSE · PERSONAL CREDIT INSTITUTIONS · MID CAP
Regional Management Corp. RM
16 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$645.6M
▲ 9.7% vs FY2024
EPS · FY25
$4.45
Dividend / sh · FY25
$1.20
Payout · FY25
—
ROE · FY25
12.2%
Net margin · FY25
6.9%
Dividend coverage
3.7×
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Result
USD 645.6M
Revenue, FY2025 · full 16-year series below
Revenue
Net income
7 cents of every revenue dollar became profit this year.
Per share
USD 4.45
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 3.7 times — the rest stayed in the company.
Profitability
12.2%
Return on equity, FY2025
ROE
Operating margin8.9%
Net margin6.9%
Return on assets2.2%
Each USD of equity produced 12 cents of profit this year.
Returned to shareholders
USD 24.0M
returned in FY2025 · dividends + net buybacks
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.
Growth
+11.5% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+8.4%
+11.5%
+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%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.01B
Shares outstanding, FY2025
Change, 5 years−12.6%
Change, 10 years−26.0%
The share count shrank 13% in five years — the same company, cut into fewer, larger slices.
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Balance sheet
USD 2.1B
total assets, end of FY2025
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.
History
16 fiscal years
Every figure from documents filed with the SEC · USD
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
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 figures not disclosed in the filing for that year.
How we verifyAUDITED
31 of 31
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed