← Regional Management Corp.
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $24.0m | $30.0m | $35.3m | $44.7m | $26.7m | $88.7m | $51.2m | $16.0m | $41.2m | $44.4m | — | |
| Depreciation, Depletion and Amortization | $6.4m | $7.4m | $8.8m | $10.9m | $13.3m | $11.7m | $12.7m | $14.6m | $14.1m | $16.2m | $18.4m | |
| Amortization of Intangible Assets | $1.9m | $2.2m | $2.0m | $2.2m | $2k | $2.4m | $2.9m | $3.7m | $4.4m | $5.6m | — | |
| Depreciation | $3.1m | $3.4m | $3.7m | $4.3m | $5k | $4k | $4.1m | $4.6m | $4.8m | $5.0m | $18.4m | |
| Deferred Income Tax Expense (Benefit) | $1.9m | $5.0m | ($4.2m) | ($1.4m) | $676k | ($4.3m) | $4.8m | $112k | $4.2m | $12.6m | $11.0m | |
| Share-based Payment Arrangement, Noncash Expense | $4.2m | $4.3m | $6.9m | $5.1m | $5.6m | $7.4m | $10.8m | $11.8m | $11.2m | $11.9m | $9.9m | |
| Payment, Tax Withholding, Share-based Payment Arrangement | $487k | $1.8m | $692k | $939k | $1.6m | $10.0m | $3.0m | $2.9m | $2.5m | $4.2m | — | |
| Share-based Payment Arrangement, Expense | — | — | — | — | — | — | — | — | $11.2m | $11.9m | $9.9m | |
| Goodwill, Impairment Loss | $0 | $0 | $0 | $0 | $0 | $0 | $0 | — | — | — | — | |
| Net Cash Provided by (Used in) Operating Activities | $99.9m |
$115.4m
+15.54%
|
$146.3m
+26.73%
|
$165.1m
+12.84%
|
$172.6m
+4.56%
|
$189.0m
+9.52%
|
$224.3m
+18.68%
|
$249.2m
+11.07%
|
$268.9m
+7.93%
|
$309.1m
+14.93%
|
$328.5m
+6.29%
|
|
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Property, Plant, and Equipment | $6.4m | $4.8m | $5.4m | $5.8m | $4.4m | $3.6m | $5.9m | $4.7m | $5.1m | $4.8m | ($17.6m) | |
| Gain (Loss) on Disposition of Property Plant Equipment | ($3k) | ($245k) | ($24k) | ($94k) | ($180k) | ($161k) | ($143k) | ($867k) | ($407k) | $331k | $328k | |
| Gain (Loss) on Sale of Investments | — | — | — | — | — | — | — | — | ($20k) | — | — | |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | — | — | — | — | — | — | — | $4.1m | $24.7m | $39.8m | — | |
| Net Cash Provided by (Used in) Investing Activities | ($157.4m) | ($188.4m) | ($199.2m) | ($275.6m) | ($98.8m) | ($355.1m) | ($447.3m) | ($278.7m) | ($315.4m) | ($471.2m) | ($450.9m) | |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common Stock | $25.0m | — | — | $25.0m | $12.0m | $67.4m | $20.6m | — | $3.5m | $24.0m | — | |
| Dividends Payable | — | — | — | — | — | $388k | — | — | — | — | — | |
| Net Cash Provided by (Used in) Financing Activities | $54.2m |
$73.8m
+36.01%
|
$81.1m
+9.91%
|
$116.9m
+44.12%
|
($58.3m)
-149.91%
|
$243.4m
+517.25%
|
$205.6m
-15.53%
|
$26.4m
-87.14%
|
$53.4m
+102.07%
|
$124.5m
+133.06%
|
$119.1m
-4.35%
|
|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $12.7m | $22.0m | $28.1m | $6.3m | $15.4m | $77.3m | ($17.4m) | ($3.1m) | $7.0m | ($37.6m) | $118.6m | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | $50.1m | $56.4m | $71.9m | $149.2m | $131.8m | $128.7m | $135.6m | $98.0m | $118.6m | |
| Additional Supplementary Disclosures | ||||||||||||
| Additional Supplementary Disclosures | ||||||||||||
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $17.6m | $20.5m | $30.1m | $35.5m | $32.0m | $29.4m | $40.5m | $60.1m | $69.2m | $78.4m | — | |
| Income Taxes Paid, Net | $12.6m | $15.7m | $3.6m | $14.7m | $7.1m | $23.1m | $27.0m | $3.0m | $2.7m | $6.1m | — | |
| Additional Financial Items | ||||||||||||
| General and Administrative Expense | $118.6m | $131.0m | $140.3m | $157.0m | $176.3m | $195.5m | $222.5m | $243.1m | $247.7m | $257.6m | — | |
| Goodwill | $716k | $716k | $716k | $716k | $716k | $716k | $716k | — | — | — | — | |
| Income Tax Expense (Benefit) | $14.9m | $10.3m | $10.6m | $14.3m | $9.2m | $23.8m | $14.1m | $4.8m | $12.8m | $13.4m | — | |
| Insurance Services Revenue | $9.5m | $13.1m | $14.8m | $20.8m | $28.3m | $35.5m | $43.5m | $44.5m | $40.7m | $45.6m | — | |
| Operating Lease, Expense | — | — | — | — | — | $10.2m | $10.2m | $11.0m | $11.7m | — | — | |
| Proceeds from Stock Options Exercised | — | $307k | — | — | — | — | — | $289k | — | — | — | |
| Financing Receivable, Credit Loss, Expense (Reversal) | — | — | — | — | — | — | — | — | $212.2m | $245.4m | — | |
| Unrealized Gain (Loss) on Derivatives | ($170k) | ($64k) | ($330k) | ($249k) | ($261k) | $2.7m | — | — | — | — | — |