Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|---|---|
Income Statement | ||||||
Total Revenue | 558.00M | 588.50M | 551.40M | 472.96M | 397.00M | 336.05M |
Gross Profit | 528.77M | 562.68M | 331.37M | 307.91M | 385.35M | 328.85M |
EBITDA | 140.19M | 142.68M | 102.88M | 112.23M | 156.88M | 0.00 |
Net Income | 37.08M | 41.23M | 15.96M | 51.22M | 88.69M | 26.73M |
Balance Sheet | ||||||
Total Assets | 1.90B | 1.91B | 1.79B | 1.72B | 1.46B | 1.10B |
Cash, Cash Equivalents and Short-Term Investments | 4.16M | 3.95M | 4.51M | 24.29M | 10.51M | 8.05M |
Total Debt | 1.51B | 1.51B | 1.43B | 1.55B | 1.13B | 791.45M |
Total Liabilities | 1.54B | 1.55B | 1.47B | 1.42B | 1.18B | 831.73M |
Stockholders Equity | 357.88M | 357.08M | 322.27M | 308.63M | 282.74M | 272.12M |
Cash Flow | ||||||
Free Cash Flow | 268.79M | 263.87M | 237.10M | 212.92M | 182.15M | 166.78M |
Operating Cash Flow | 274.12M | 268.93M | 249.17M | 224.33M | 189.01M | 172.58M |
Investing Cash Flow | -355.31M | -315.37M | -278.72M | -447.29M | -355.06M | -98.81M |
Financing Cash Flow | 85.25M | 53.41M | 26.43M | 205.57M | 243.36M | -58.32M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
81 Outperform | $250.83M | 5.94 | 11.25% | 4.31% | 15.88% | -1.83% | |
76 Outperform | $500.29M | 2.87 | 13.64% | 6.74% | 12.69% | -35.36% | |
74 Outperform | $429.59M | 12.64 | 9.81% | 2.74% | 7.32% | 38.85% | |
68 Neutral | $18.05B | 11.73 | 10.24% | 3.73% | 9.66% | 1.70% | |
62 Neutral | $172.68M | 9.08 | 6.66% | ― | 16.13% | -28.76% | |
56 Neutral | $297.06M | ― | -1.26% | ― | -5.87% | 94.07% | |
45 Neutral | $938.16M | ― | -79.90% | ― | 510.69% | -145.92% |
On August 19, 2025, Regional Management Corp. entered into a new Loan and Security Agreement with a syndicate of banks, including BMO Harris Financing, Inc., Banc of California, Texas Capital Bank, EverBank, N.A., and First Horizon Bank, with Bank of Montreal as the agent. This agreement introduces a senior revolving credit facility of up to $355 million, with potential expansion to $420 million, and replaces the previous agreement with Wells Fargo Bank, which was set to mature on September 20, 2025.
Regional Management Corp. reported strong financial results for the second quarter of 2025, with a net income of $10.1 million and diluted earnings per share of $1.03, marking a 20% increase year-over-year. The company achieved record originations and revenue, improved credit performance, and maintained a healthy portfolio with a 10.5% growth. Strategic investments in new branches and innovation, along with a focus on auto-secured and small loan portfolios, have positioned the company for sustained growth and value creation.