Regional Management Corp. RM

Latest FY: 2025 Financial Services Credit Services
Market Price $32.73
Market Cap $301.38M
P/E Ratio 7.36
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑9.7% YoY
$645.60M
3-Yr CAGR: 8.4%
Net Income ↑7.7% YoY
$44.41M
Net Margin: 6.9%
Free Cash Flow ↑15.3% YoY
$304.31M
FCF Yield: 100.97%
EPS (Diluted) ↑7.5% YoY
$4.45
Basic: $4.71
Return on Equity Efficiency
11.9%
ROA: 2.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (RM)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $240.5M $220.6M $24.0M $1.99 0.00% $99.9M $93.5M
FY 2017 $272.5M +13.3% $248.6M $30.0M +24.7% $2.54 +27.6% 0.00% $115.4M $110.7M +18.4%
FY 2018 $306.7M +12.6% $273.2M $35.3M +18.0% $2.93 +15.4% 0.00% $146.3M $140.9M +27.3%
FY 2019 $355.7M +16.0% $315.6M $44.7M +26.6% $3.80 +29.7% 0.00% $165.1M $159.3M +13.0%
FY 2020 $373.9M +5.1% $336.1M $26.7M -40.2% $2.40 -36.8% $0.20 0.67% $172.6M $168.2M +5.6%
FY 2021 $428.4M +14.6% $397.0M $88.7M +231.8% $8.33 +247.1% $0.95 1.65% $189.0M $185.4M +10.2%
FY 2022 $507.2M +18.4% $473.0M $51.2M -42.2% $5.30 -36.4% $1.20 4.27% $224.3M $218.5M +17.8%
FY 2023 $551.4M +8.7% $483.9M $16.0M -68.8% $1.66 -68.7% $1.20 4.78% $249.2M $244.5M +11.9%
FY 2024 $588.5M +6.7% $514.0M $41.2M +158.3% $4.14 +149.4% $1.20 3.53% $268.9M $263.9M +7.9%
FY 2025 $645.6M +9.7% $560.8M $44.4M +7.7% $4.45 +7.5% $1.20 3.10% $309.1M $304.3M +15.3%
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Valuation

Market Price $32.73
Market Cap $301.38M
Enterprise Value N/A
P/E Ratio 7.36
P/B Ratio 0.81
FCF Yield 100.97%
Dividend Yield 3.67%
Shares Outstanding 9,208,100
%

Profitability & Margins

Gross Margin 86.86%
Operating Margin 8.95%
Net Margin 6.88%
Return on Equity (ROE) 11.90%
Return on Assets (ROA) 2.11%
Asset Turnover 0.31x
Revenue 3-Yr CAGR 8.38%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 4.402
Debt / Assets 0.781
Cash & Equivalents N/A
Total Debt $1.64B
Book Value / Share $40.52
💧

Cash Flow Efficiency

Operating Cash Flow $309.07M
Capital Expenditures (CapEx) $4.76M
Free Cash Flow $304.31M
OCF / Revenue 47.87%
FCF / Revenue 47.14%
FCF 3-Yr CAGR 11.68%
🏷️

Per Share Metrics

EPS (Diluted) $4.45
EPS (Basic) $4.71
Dividends / Share $1.20
Book Value / Share $40.52
EPS YoY Growth 7.49%
🏛️

Balance Sheet (FY 2025)

Total Assets $2.10B
Total Liabilities $1.73B
Stockholders' Equity $373.09M
Current Assets N/A
Current Liabilities N/A