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MARKETS / NYSE / Financials / Credit / RM
NYSE · PERSONAL CREDIT INSTITUTIONS · MID CAP

Regional Management Corp. RM

16 fiscal years on record · USD · FY2025 reported · SEC filings only
$645.6M
▲ 9.7% YoY
$44.4M
▲ 7.7% YoY
$304.3M
▲ 15.3% YoY

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

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
250.0M500.0M
201020132016201920222025
Compound annual growth
+8.4%
+11.5%
+11.5%
+14.3%
−4.6%
+10.7%
+6.6%
+6.8%
−5.7%
+13.1%
+9.5%
+6.6%
+0.0%
+43.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +11.5% a year over the five years to FY2025 — 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%
10%20%30%
201020172025
ROE
FY2025 · ROE 12.2%
20%40%
201020172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin8.9%
Net margin6.9%
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
150M300M
201020172025
Net buybacks $M Dividends $M
FY2025 · Dividends · · Net buybacks 24.0
25.0M50.0M
2016201920202021202220242025
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—not applicable◌not available in our data
RM, 16-year financial record
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.60.60.60.50.40.40.40.30.30.20.20.20.20.10.10.1
Operating income $B0.10.10.00.10.10.00.10.00.00.00.00.00.00.00.00.0
EBITDA $B0.10.10.00.10.10.00.10.10.00.00.00.00.00.00.00.0
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.10.10.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.30.30.20.20.20.20.20.10.10.10.10.10.10.10.00.0
EPS, diluted $4.454.141.665.308.332.403.802.932.541.991.791.142.232.072.191.70
Dividend / sh $1.201.201.201.200.950.20◌◌◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend————————————————
ROE %12.212.15.117.332.09.315.413.613.411.612.28.719.827.350.753.2
Shares out B0.010.010.010.010.010.010.010.010.010.010.010.010.010.010.01◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

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UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 47 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. Four checks were skipped: the balance sheet is not tagged before 2011. Three checks were skipped: EPS is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityPersonal Credit Institutions
Listed onNYSE
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2010

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