Regional Management Corp.

RMRegional Management Corp. US flag

New York Stock Exchange

34.24

USD

-1.34

- -

315.29MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	93	124	156	190	201	221	249	273	316	336	397	473	484	514	561
+ Sales & Services Revenue	93	124	156	190	201	221	249	273	316	336	397	473	484	514	561
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	34	47	59	82	98	99	109	119	134	154	171	199	218	222	229
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-34	-47	-59	-82	-98	-99	-109	-119	-134	-154	-171	-199	-218	-222	-229
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-33	-39	-46	-24	-38	-39	-40	-46	-59	-36	-112	-65	-21	-54	-58
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-33	-39	-46	-24	-38	-39	-40	-46	-59	-36	-112	-65	-21	-54	-58
Pretax Income	33	39	46	24	38	39	40	46	59	36	112	65	21	54	58
- Income Tax Expense (Benefit)	12	15	17	9	15	15	10	11	14	9	24	14	5	13	13
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	21	25	29	15	23	24	30	35	45	27	89	51	16	41	44
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	21	25	29	15	23	24	30	35	45	27	89	51	16	41	44
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	21	25	29	15	23	24	30	35	45	27	89	51	16	41	44
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	21	25	29	15	23	24	30	35	45	27	89	51	16	41	44
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	3	3	4	4	6	7	9	11	13	12	13	15	14	16
EBITDA Margin (%)	1.55	2.09	2.21	2.05	1.95	2.92	2.96	3.22	3.44	3.96	2.94	2.68	3.02	2.74	2.9
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	22.63	19.95	18.4	7.8	11.62	10.89	12.06	12.94	14.17	7.95	22.34	10.83	3.3	8.02	7.92
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.2	0.95	1.22	1.26	1.26	1.22
Depreciation Expense	1	3	3	4	4	6	7	9	11	13	12	13	15	14	16
Basic Weighted Avg Shares	12	12	13	13	13	12	12	12	11	11	10	9	9	10	9
Basic EPS, GAAP	1.71	2.12	2.29	1.17	1.82	2.03	2.59	3.03	3.92	2.45	8.84	5.51	1.7	4.28	4.71
Basic EPS from Cont Ops	1.71	2.12	2.29	1.17	1.82	2.03	2.59	3.03	3.92	2.45	8.84	5.51	1.7	4.28	4.71
Diluted Weighted Avg Shares	12	12	13	13	13	12	12	12	12	11	11	10	10	10	10
Diluted EPS, GAAP	1.71	2.07	2.23	1.14	1.79	1.99	2.54	2.93	3.8	2.4	8.33	5.3	1.66	4.14	4.45
Diluted EPS from Cont Ops	1.71	2.07	2.23	1.14	1.79	1.99	2.54	2.93	3.8	2.4	8.33	5.3	1.66	4.14	4.45

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	5	3	4	4	8	4	5	4	2	8	11	4	5	4	4
+ Cash & Cash Equivalents	5	3	4	4	8	4	5	4	2	8	11	4	5	4	4
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	1	4	- -	2	- -	1	11	2	2	3	3	14	13	4	11
+ Accounts Receivable, Net	1	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	1	- -	2	- -	1	11	2	2	3	3	14	13	4	11
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-6	-7	-4	-6	-8	-5	-17	-6	-4	-11	-13	-18	-17	-8	-14
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	4	5	7	9	9	12	12	14	42	41	42	49	48	52	57
+ Property, Plant & Equip	13	15	18	23	23	28	29	34	64	65	67	77	78	85	92
- Accumulated Depreciation	8	10	11	14	14	17	17	20	22	24	25	28	30	33	35
+ LT Investments & Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-4	-5	-7	-9	-9	-12	-12	-14	-42	-41	-42	-49	-48	-52	-57
+ Total Intangible Assets	- -	2	2	2	3	6	11	10	9	9	10	12	16	25	32
+ Goodwill	- -	- -	1	1	1	1	1	1	1	1	1	1	- -	- -	- -
+ Other Intangible Assets	- -	2	1	1	2	6	10	9	9	8	9	11	16	25	32
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-5	-7	-9	-10	-12	-18	-23	-24	-51	-50	-51	-61	-64	-77	-89
Total Assets	304	435	534	530	626	712	829	956	1,159	1,104	1,460	1,725	1,795	1,909	2,104
+ Payables & Accruals	7	7	7	11	13	15	19	25	29	40	49	34	40	39	39
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	7	7	7	11	13	15	19	25	29	40	49	34	40	39	39
+ ST Debt	206	292	363	341	337	452	514	355	393	325	240	165	245	315	268
+ ST Borrowings	206	292	363	341	337	452	514	355	393	325	240	165	245	315	268
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-213	-299	-370	-352	-350	-467	-532	-380	-422	-365	-290	-199	-285	-355	-308
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-213	-299	-370	-352	-350	-467	-532	-380	-422	-365	-290	-199	-285	-355	-308
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	26	- -	- -	- -	71	38	53	297	434	466	887	1,218	1,187	1,197	1,420
+ LT Borrowings	26	- -	- -	- -	71	38	53	297	406	437	857	1,181	1,150	1,157	1,374
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	28	29	31	37	37	41	46
+ Other LT Liabilities	-26	- -	- -	- -	-71	-38	-53	-297	-434	-466	-887	-1,218	-1,187	-1,197	-1,420
+ Accrued Liabilities	- -	6	3	- -	- -	- -	5	1	- -	- -	- -	- -	- -	- -	3
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-26	-6	-3	- -	-71	-38	-58	-297	-434	-466	-887	-1,218	-1,187	-1,197	-1,423
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	239	305	373	352	421	505	590	677	856	832	1,177	1,416	1,472	1,552	1,731
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	29	81	85	87	90	94	96	100	104	107	106	114	123	132	140
+ Common Stock	1	1	1	1	1	1	1	1	1	1	1	1	1	1	2
+ Additional Paid in Capital	28	80	83	86	89	92	94	99	103	105	105	112	122	131	139
- Treasury Stock	- -	- -	- -	- -	- -	25	25	25	50	62	130	150	150	154	178
+ Retained Earnings	24	48	77	91	115	139	169	204	249	227	306	346	350	378	411
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -
Equity Before Minority Interest	65	129	161	178	205	207	239	279	303	272	283	309	322	357	373
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	65	129	161	178	205	207	239	279	303	272	283	309	322	357	373
Total Liabilities & Equity	304	435	534	530	626	712	829	956	1,159	1,104	1,460	1,725	1,795	1,909	2,104
Shares Outstanding	9	12	13	13	13	11	12	12	11	11	10	10	10	10	10
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	28	29	31	37	37	41	46
Net Debt	227	289	359	337	401	485	561	648	796	754	1,086	1,342	1,391	1,468	1,638
Net Debt to Equity	349.84	223.74	222.51	189.21	195.31	233.8	234.46	232.01	263.01	277.15	384.26	434.81	431.54	411.13	439.13
Tangible Common Equity Ratio	21.2	29.38	29.91	33.43	32.44	28.48	27.94	28.44	25.53	24.05	18.84	17.31	17.23	17.65	16.47
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	21	25	29	15	23	24	30	35	45	27	89	51	16	41	44
+ Depreciation & Amortization	1	3	3	4	4	6	7	9	11	13	12	13	15	14	16
+ Non-Cash Items	23	33	37	67	52	69	86	88	88	116	74	185	218	212	255
+ Stock-Based Compensation	- -	1	2	2	4	4	4	5	5	6	7	11	12	11	12
+ Deferred Income Taxes	4	6	-3	-5	- -	2	5	-4	-1	1	-4	5	- -	4	13
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	18	26	39	69	48	63	78	87	85	109	71	169	206	197	230
+ Chg in Non-Cash Work Cap	-4	-2	3	- -	4	1	-8	14	14	9	15	-25	- -	1	-6
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	2	3	6	5	10	10	-15	8	-1	-1
+ Inc (Dec) in Other	-4	-2	3	- -	4	-2	-11	7	9	-1	5	-10	-7	3	-5
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	41	58	73	86	83	100	115	146	158	165	189	224	249	269	309
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	1	1	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	1	1	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-3	-2	-4	-5	-5	-12	-11	-7	-7	-5	-7	-11	-12	-17	-17
+ Acq of Fixed Prod Assets	-3	-2	-4	-3	-3	-6	-5	-5	-6	-4	-4	-6	-5	-5	-5
+ Acq of Intangible Assets	- -	- -	- -	-1	-2	-5	-6	-1	-2	-1	-3	-6	-7	-12	-12
+ Cash (Repurchase) of Equity	- -	40	- -	- -	- -	-25	- -	- -	-25	-12	-67	-21	- -	-4	-24
+ Increase in Capital Stock	- -	40	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	-25	- -	- -	-25	-12	-67	-21	- -	-4	-24
+ Net Change in LT Investment	-3	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	25	- -
+ Dec in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	25	- -
+ Inc in LT Investment	-3	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Acq & Div	- -	-28	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	-28	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-74	-128	-138	-60	-141	-149	-169	-192	-261	-86	-348	-436	-271	-323	-454
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-79	-159	-143	-65	-147	-160	-180	-199	-269	-92	-355	-447	-279	-315	-471
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2	-10	-11	-12	-12	-11
+ Net Cash From Debt	42	61	70	-43	67	80	79	89	164	-39	339	-1,665	-1,523	78	172
+ Cash From Debt	43	86	70	- -	73	115	81	281	1,773	1,463	2,476	2,266	1,645	2,202	2,310
+ Repayments of Debt	-1	-26	- -	-43	-6	-34	-2	-192	-1,608	-1,502	-2,136	-3,931	-3,168	-2,124	-2,138
+ Other Financing Activities	- -	-1	1	21	- -	-2	-5	-8	-22	-5	-19	1,902	1,561	-9	-12
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	42	100	71	-21	67	54	74	81	117	-58	243	206	26	53	124
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	4	-2	1	- -	4	-5	9	28	6	15	77	-17	-3	7	-38
EBITDA	1	3	3	4	4	6	7	9	11	13	12	13	15	14	16
EBITDA Margin (%)	1.55	2.09	2.21	2.05	1.95	2.92	2.96	3.22	3.44	3.96	2.94	2.68	3.02	2.74	2.9
Free Cash Flow	39	56	68	81	78	89	104	139	151	160	182	213	237	252	292
Net Cash Paid for Acquisitions	- -	28	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	39	56	68	81	78	89	104	139	151	160	182	213	237	252	292
Free Cash Flow to Equity	81	116	139	40	147	175	190	230	317	122	525	-1,446	-1,279	342	476
Free Cash Flow per Basic Share	3.16	4.76	5.44	6.39	6.08	7.49	9.03	11.97	13.23	14.6	18.15	22.9	25.23	26.09	30.97
Price/Free Cash Flow	- -	3.32	5.7	2.26	2.28	2.84	2.45	1.9	2.13	1.95	3.12	1.15	0.92	1.18	1.19
Cash Flow to Net Income	1.97	2.33	2.52	5.8	3.57	4.17	3.85	4.14	3.54	6.17	2.13	4.38	15.61	6.52	6.96
Capital Expenditures	-3	-2	-4	-5	-5	-12	-11	-7	-7	-5	-7	-11	-12	-17	-17