RM - Regional Management Corp.
Price:
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CONSENSUS:
Hold
DETAILS
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||
| Revenue | 645.6 | 588.5 | 551.4 | 507.2 | 428.4 | 373.9 | 355.7 | 306.7 | 272.5 | 240.5 | 217.3 | 204.7 | 170.6 | 135.7 | 105.3 | 86.8 | 72.8 |
| Cost of Revenue | 307.6 | 286.7 | 287.5 | 219.3 | 120.4 | 161.7 | 139.7 | 120.5 | 101.2 | 82.9 | 63.6 | 84.0 | 53.3 | 39.4 | 30.2 | 26.6 | 28.1 |
| Gross Profit | 337.9 | 301.8 | 263.9 | 287.8 | 308.0 | 212.2 | 216.0 | 186.2 | 171.2 | 157.6 | 153.7 | 120.7 | 117.3 | 96.3 | 75.1 | 60.2 | 44.7 |
| Operating Expenses | |||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 240.5 | 221.9 | 218.1 | 198.7 | 171.4 | 153.7 | 134.4 | 119.4 | 109.4 | 98.6 | 98.3 | 82.0 | 59.3 | 46.9 | 34.3 | 28.2 | 24.6 |
| Other Expenses | 17.1 | 25.8 | 25.0 | 23.8 | 24.1 | 22.6 | 22.6 | 20.9 | 21.5 | 20.1 | 17.3 | 14.8 | 11.7 | 10.1 | 7.5 | 6.4 | 5.8 |
| Operating Expenses | 257.6 | 247.7 | 243.1 | 222.5 | 195.5 | 176.3 | 157.0 | 140.3 | 131.0 | 118.6 | 115.6 | 96.8 | 71.0 | 57.0 | 41.8 | 34.6 | 30.4 |
| Operating Income | |||||||||||||||||
| Operating Income | 80.4 | 54.1 | 20.8 | 65.3 | 112.5 | 35.9 | 59.0 | 45.9 | 40.3 | 38.9 | 38.1 | 23.9 | 46.3 | 39.3 | 33.3 | 25.6 | 14.3 |
| Interest Expense | 84.8 | 74.5 | 67.5 | 34.2 | 31.3 | 37.9 | 40.1 | 33.5 | 23.9 | 19.9 | 16.2 | 14.9 | 14.1 | 11.6 | 12.3 | 10.1 | 8.7 |
| Interest Income | 578.9 | 528.9 | 489.7 | 450.9 | 382.5 | 335.2 | 321.2 | 280.1 | 249.0 | 221.0 | 195.8 | 184.8 | 152.3 | 119.0 | 91.5 | 74.2 | 63.6 |
| Profitability | |||||||||||||||||
| EBITDA | 92.1 | 68.1 | 35.4 | 78.0 | 124.1 | 49.2 | 69.8 | 54.7 | 47.6 | 45.4 | 42.1 | 27.8 | 49.7 | 41.9 | 34.8 | 27.0 | 15.5 |
| EBIT | 80.4 | 54.1 | 20.8 | 65.3 | 112.5 | 35.9 | 59.0 | 45.9 | 40.3 | 38.9 | 38.1 | 23.9 | 46.3 | 39.3 | 33.3 | 25.6 | 14.3 |
| Income Before Tax | 57.8 | 54.1 | 20.8 | 65.3 | 112.5 | 35.9 | 59.0 | 45.9 | 40.3 | 38.9 | 38.1 | 23.9 | 46.3 | 39.3 | 33.3 | 25.6 | 14.3 |
| Income Tax Expense | 13.4 | 12.8 | 4.8 | 14.1 | 23.8 | 9.2 | 14.3 | 10.6 | 10.3 | 14.9 | 14.8 | 9.1 | 17.5 | 14.6 | 12.3 | 9.2 | 4.5 |
| Net Income | 44.4 | 41.2 | 16.0 | 51.2 | 88.7 | 26.7 | 44.7 | 35.3 | 30.0 | 24.0 | 23.4 | 14.8 | 28.8 | 24.8 | 21.0 | 16.4 | 9.9 |
| Per Share Data | |||||||||||||||||
| EPS (Basic) | 4.63 | 4.28 | 1.70 | 5.51 | 8.84 | 2.45 | 3.92 | 3.03 | 2.59 | 2.03 | 1.82 | 1.17 | 2.29 | 2.17 | 2.25 | 1.76 | 1.06 |
| 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 | 2.12 | 2.19 | 1.72 | 1.03 |
| Shares Outstanding | 9.9 | 9.6 | 9.4 | 9.3 | 10.0 | 10.9 | 11.4 | 11.7 | 11.6 | 11.8 | 12.8 | 12.7 | 12.6 | 11.7 | 9.3 | 9.3 | 9.3 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 98.0 | 4.0 | 4.5 | 3.9 | 10.5 | 8.1 | 2.3 | 3.7 | 5.2 | 4.4 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 1,866.4 | 4.3 | 12.9 | 13.7 | 2.7 | 3.2 | 1.9 | 2.3 | 0 | 0.7 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (842.7) | (0.1) |
| Other Current Assets | 14.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 1,978.5 | 16.9 | 27.1 | 26.7 | 21.9 | 20.2 | 7.4 | 10.1 | 16.7 | 5.2 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 57.0 | 52.1 | 48.1 | 49.0 | 41.7 | 41.1 | 41.7 | 13.9 | 12.3 | 11.7 |
| Goodwill | 0 | 0 | 0 | 0 | 0.7 | 0.7 | 0.7 | 0.7 | 0.7 | 0.7 |
| Intangible Assets | 31.8 | 24.5 | 15.8 | 12.1 | 8.8 | 8.0 | 8.7 | 9.3 | 9.9 | 5.7 |
| Long-Term Investments | 24.2 | 1,693.0 | 1,584.0 | 1,520.6 | 1,273.5 | 986.5 | 1,071.2 | 873.9 | (819.8) | (717.0) |
| Other Non-Current Assets | 92.3 | 113.2 | 105.8 | 102.7 | 94.6 | 33.2 | 28.2 | 48.4 | (22.9) | (18.1) |
| Total Non-Current Assets | 205.3 | 1,892.2 | 1,767.4 | 1,698.3 | 1,437.8 | 1,083.7 | 1,151.2 | 946.3 | 22.9 | 18.1 |
| Total Assets | 2,183.9 | 1,909.1 | 1,794.5 | 1,725.0 | 1,459.7 | 1,103.9 | 1,158.5 | 956.4 | 829.5 | 712.2 |
| Current Liabilities | ||||||||||
| Account Payables | 39.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18.6 | 15.2 |
| Short-Term Debt | 235.7 | 315.5 | 244.9 | 164.7 | 240.3 | 325.0 | 393.1 | 354.7 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 495.1 | 436.4 |
| Other Current Liabilities | (39.4) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (18.6) | (15.2) |
| Total Current Liabilities | 235.7 | 315.5 | 244.9 | 164.7 | 240.3 | 325.0 | 393.1 | 354.7 | 513.7 | 451.6 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 1,452.4 | 1,156.5 | 1,150.3 | 1,181.1 | 856.7 | 437.2 | 405.5 | 296.7 | 566.5 | 489.5 |
| Deferred Tax Liabilities | 83.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7 | 5.0 | (38.1) |
| Other Non-Current Liabilities | (6.6) | 39.5 | 40.4 | 33.8 | 49.3 | 40.3 | 28.7 | 25.1 | (571.5) | (489.5) |
| Total Non-Current Liabilities | 1,575.1 | 1,236.6 | 1,227.3 | 1,251.6 | 936.7 | 506.7 | 462.7 | 322.5 | 571.5 | 489.5 |
| Total Liabilities | 1,810.8 | 1,552.0 | 1,472.3 | 1,416.4 | 1,176.9 | 831.7 | 855.8 | 677.2 | 590.1 | 504.7 |
| Stockholders' Equity | ||||||||||
| Common Stock | 1.5 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.3 |
| Retained Earnings | 410.7 | 378.5 | 349.6 | 345.5 | 306.1 | 227.3 | 248.8 | 204.1 | 168.8 | 138.8 |
| Accumulated Other Comprehensive Income | (0.0) | 0.1 | (0.4) | (0.6) | 0 | 0 | 0 | 0 | 239.4 | 207.5 |
| Total Stockholders' Equity | 373.1 | 357.1 | 322.3 | 308.6 | 282.7 | 272.1 | 302.8 | 279.2 | 239.4 | 207.5 |
| Total Liabilities & Equity | 2,183.9 | 1,909.1 | 1,794.5 | 1,725.0 | 1,459.7 | 1,103.9 | 1,158.5 | 956.4 | 829.5 | 712.2 |
| Debt Metrics | ||||||||||
| Total Debt | 1,734.1 | 1,512.6 | 1,431.8 | 1,382.6 | 1,127.6 | 791.4 | 827.1 | 651.3 | 566.5 | 489.5 |
| Net Debt | 1,636.1 | 1,508.6 | 1,427.3 | 1,378.7 | 1,117.1 | 783.4 | 824.8 | 647.7 | 561.3 | 485.1 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 44.4 | 41.2 | 16.0 | 51.2 | 88.7 | 26.7 | 44.7 | 35.3 | 30.0 | 24.0 |
| Depreciation & Amortization | 16.2 | 14.1 | 14.6 | 12.7 | 11.7 | 13.3 | 10.9 | 8.8 | 7.4 | 6.4 |
| Stock-Based Compensation | 11.9 | 11.2 | 11.8 | 10.8 | 7.4 | 5.6 | 5.1 | 5.3 | 3.7 | 4.2 |
| Change in Working Capital | (6.1) | 1.2 | 0.5 | (24.5) | 14.9 | 2.0 | 5.7 | 13.7 | (8.2) | 0.5 |
| Other Non-Cash Items | 230.0 | 197.0 | 206.3 | 169.4 | 70.7 | 124.3 | 100.0 | 87.4 | 77.6 | 63.2 |
| Operating Cash Flow | 309.1 | 268.9 | 249.2 | 224.3 | 189.0 | 172.6 | 165.1 | 146.3 | 115.4 | 100.2 |
| Investing Activities | ||||||||||
| Capital Expenditure | (17.1) | (5.1) | (12.1) | (11.4) | (6.9) | (5.8) | (7.4) | (6.8) | (11.1) | (11.7) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0.0 | 0.1 | 0 | 0 | 0 |
| Purchases of Investments | 0 | (25.4) | (5.9) | (24.0) | 0 | 0 | 0 | 0 | 0 | 0 |
| Sales/Maturities of Investments | 0 | 26.9 | 4.1 | 3.1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | (466.4) | (311.9) | (264.8) | (415.0) | (348.2) | (93.0) | (268.3) | (193.9) | (175.2) | (153.1) |
| Investing Cash Flow | (471.2) | (315.4) | (278.7) | (447.3) | (355.1) | (98.8) | (275.6) | (199.2) | (179.9) | (159.6) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 172.2 | 78.2 | 43.7 | 246.2 | 339.1 | (38.8) | 147.7 | 89.0 | 79.8 | 80.5 |
| Stock Repurchased | (24.0) | (3.5) | (2.9) | (20.6) | (67.4) | (12.0) | (25.0) | 0 | 0 | (25.0) |
| Dividends Paid | (11.5) | (12.1) | (11.9) | (11.4) | (9.5) | (2.2) | 0 | 0 | 0 | 0 |
| Other Financing Activities | (12.2) | (9.1) | (2.5) | (8.6) | (18.8) | (5.3) | (5.8) | (7.9) | (6.0) | (1.5) |
| Financing Cash Flow | 124.5 | 53.4 | 26.4 | 205.6 | 243.4 | (58.3) | 116.9 | 81.1 | 73.8 | 53.9 |
| Cash Position | ||||||||||
| Net Change in Cash | (37.6) | 7.0 | (3.1) | (17.4) | 77.3 | 15.4 | 6.3 | 28.1 | 9.3 | (5.4) |
| Cash at Beginning | 135.6 | 128.7 | 131.8 | 149.2 | 71.9 | 56.4 | 50.1 | 22.0 | 12.7 | 18.2 |
| Cash at End | 98.0 | 135.6 | 128.7 | 131.8 | 149.2 | 71.9 | 56.4 | 50.1 | 22.0 | 12.7 |
| Free Cash Flow | 292.0 | 263.9 | 237.1 | 212.9 | 182.2 | 166.8 | 157.7 | 139.5 | 104.3 | 88.5 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | 645.6 | 588.5 | 551.4 | 507.2 | 428.4 | 373.9 | 355.7 | 306.7 | 272.5 | 240.5 | 217.3 | 204.7 | 170.6 | 135.7 | 105.3 | 86.8 | 72.8 |
| Gross Profit | 337.9 | 301.8 | 263.9 | 287.8 | 308.0 | 212.2 | 216.0 | 186.2 | 171.2 | 157.6 | 153.7 | 120.7 | 117.3 | 96.3 | 75.1 | 60.2 | 44.7 |
| Operating Income | 80.4 | 54.1 | 20.8 | 65.3 | 112.5 | 35.9 | 59.0 | 45.9 | 40.3 | 38.9 | 38.1 | 23.9 | 46.3 | 39.3 | 33.3 | 25.6 | 14.3 |
| Net Income | 44.4 | 41.2 | 16.0 | 51.2 | 88.7 | 26.7 | 44.7 | 35.3 | 30.0 | 24.0 | 23.4 | 14.8 | 28.8 | 24.8 | 21.0 | 16.4 | 9.9 |
| 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 | 2.12 | 2.19 | 1.72 | 1.03 |
| Balance Sheet | |||||||||||||||||
| Cash & Equivalents | 98.0 | 4.0 | 4.5 | 3.9 | 10.5 | 8.1 | 2.3 | 3.7 | 5.2 | 4.4 | |||||||
| Total Assets | 2,183.9 | 1,909.1 | 1,794.5 | 1,725.0 | 1,459.7 | 1,103.9 | 1,158.5 | 956.4 | 829.5 | 712.2 | |||||||
| Total Debt | 1,734.1 | 1,512.6 | 1,431.8 | 1,382.6 | 1,127.6 | 791.4 | 827.1 | 651.3 | 566.5 | 489.5 | |||||||
| Stockholders' Equity | 373.1 | 357.1 | 322.3 | 308.6 | 282.7 | 272.1 | 302.8 | 279.2 | 239.4 | 207.5 | |||||||
| Cash Flow | |||||||||||||||||
| Operating Cash Flow | 309.1 | 268.9 | 249.2 | 224.3 | 189.0 | 172.6 | 165.1 | 146.3 | 115.4 | 100.2 | |||||||
| Capital Expenditure | (17.1) | (5.1) | (12.1) | (11.4) | (6.9) | (5.8) | (7.4) | (6.8) | (11.1) | (11.7) | |||||||
| Free Cash Flow | 292.0 | 263.9 | 237.1 | 212.9 | 182.2 | 166.8 | 157.7 | 139.5 | 104.3 | 88.5 | |||||||