What is Regional Mgmt Corp's earnings per share (EPS)?

Regional Mgmt Corp (RM) reported diluted earnings per share of $4.45 for fiscal year 2025. This represents a 7.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Regional Mgmt Corp Financials

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Regional Mgmt Corp (RM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI RM FY2025 2026-05-01

Regional Management’s core mechanic is leveraging a growing asset base so modest asset returns can still produce acceptable equity returns.

From FY2023 to FY2025, revenue expanded by $94.2M while SG&A rose only $14.5M, so more volume appears to be getting absorbed by a relatively fixed overhead base. The payoff is visible in profitability, but FY2025 ROA was only 2.1% while ROE reached 11.9%, which shows leverage is doing much of the return-building rather than unusually rich returns on assets themselves.

Free cash flow of $304.3M sat far above net income of $44.4M, and that gap makes more sense once you notice how little physical reinvestment this model requires. Capital spending is minimal, so cash use is dominated by funding the balance sheet rather than by maintaining factories, stores, or heavy equipment.

Assets reached $2.1B while cash fell to $98.0M, so growth is not showing up as a larger liquidity cushion. Liabilities of $1.73B against equity of $373.1M indicate a business designed to earn on borrowed funds, not one carrying a thick capital buffer.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Regional Mgmt Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Regional Mgmt Corp's revenue grew 9.7% year-over-year to $645.6M, a solid pace of expansion. This earns a growth score of 47/100.

Leverage

Regional Mgmt Corp has elevated debt relative to equity (D/E of 4.40), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 12/100, reflecting increased financial risk.

Cash Flow

100

Regional Mgmt Corp converts 47.1% of revenue into free cash flow ($304.3M). This strong cash generation earns a score of 100/100.

Returns

Regional Mgmt Corp's ROE of 11.9% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 11.6% the prior year.

Piotroski F-Score Neutral

4/9

Regional Mgmt Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

6.96x

For every $1 of reported earnings, Regional Mgmt Corp generates $6.96 in operating cash flow ($309.1M OCF vs $44.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$645.6M

YoY+9.7%

5Y CAGR+11.5%

10Y CAGR+11.5%

Regional Mgmt Corp generated $645.6M in revenue in fiscal year 2025. This represents an increase of 9.7% from the prior year.

EBITDA

N/A

Net Income

$44.4M

YoY+7.7%

5Y CAGR+10.7%

10Y CAGR+6.6%

Regional Mgmt Corp reported $44.4M in net income in fiscal year 2025. This represents an increase of 7.7% from the prior year.

EPS (Diluted)

$4.45

YoY+7.5%

5Y CAGR+13.1%

10Y CAGR+9.5%

Regional Mgmt Corp earned $4.45 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$304.3M

YoY+15.3%

5Y CAGR+13.6%

10Y CAGR+14.3%

Regional Mgmt Corp generated $304.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 15.3% from the prior year.

Cash & Debt

$98.0M

YoY-27.7%

5Y CAGR+6.4%

10Y CAGR+18.4%

Regional Mgmt Corp held $98.0M in cash against $1.6B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.20

YoY+0.0%

5Y CAGR+43.1%

Regional Mgmt Corp paid $1.20 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

10M

YoY-4.6%

5Y CAGR-2.7%

10Y CAGR-3.0%

Regional Mgmt Corp had 10M shares outstanding in fiscal year 2025. This represents a decrease of 4.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

6.9%

YoY-0.1pp

5Y CAGR-0.3pp

10Y CAGR-3.9pp

Regional Mgmt Corp's net profit margin was 6.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.1 percentage points from the prior year.

Return on Equity

11.9%

YoY+0.3pp

5Y CAGR+2.1pp

10Y CAGR+0.5pp

Regional Mgmt Corp's ROE was 11.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$24.0M

YoY+577.5%

5Y CAGR+14.8%

Regional Mgmt Corp spent $24.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 577.5% from the prior year.

Capital Expenditures

$4.8M

YoY-5.8%

5Y CAGR+3.9%

10Y CAGR+3.5%

Regional Mgmt Corp invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 5.8% from the prior year.

RM Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$645.6M+9.7%	$588.5M+6.7%	$551.4M+8.7%	$507.2M+18.4%	$428.4M+14.6%	$373.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$257.6M+4.0%	$247.7M+1.9%	$243.1M+9.3%	$222.5M+13.8%	$195.5M+10.9%	$176.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	$31.3M-17.2%	$37.9M
Income Tax	$13.4M+4.0%	$12.8M+166.3%	$4.8M-65.8%	$14.1M-40.7%	$23.8M+158.6%	$9.2M
Net Income	$44.4M+7.7%	$41.2M+158.3%	$16.0M-68.8%	$51.2M-42.2%	$88.7M+231.8%	$26.7M
EPS (Diluted)	$4.45+7.5%	$4.14+149.4%	$1.66-68.7%	$5.30-36.4%	$8.33+247.1%	$2.40

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$167.3M-1.4%	$169.7M+2.5%	$165.5M+5.1%	$157.4M+2.9%	$153.0M-1.2%	$154.8M+5.8%	$146.3M+2.3%	$143.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$64.7M+0.2%	$64.5M+0.7%	$64.1M+1.8%	$62.9M-4.7%	$66.0M+2.2%	$64.6M+3.5%	$62.5M+3.9%	$60.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$3.4M+5.7%	$3.2M-29.6%	$4.6M+38.1%	$3.3M+55.2%	$2.2M-24.2%	$2.8M+13.5%	$2.5M-9.9%	$2.8M
Net Income	$11.4M-11.7%	$12.9M-10.1%	$14.4M+41.6%	$10.1M+44.7%	$7.0M-29.3%	$9.9M+29.4%	$7.7M-9.3%	$8.4M
EPS (Diluted)	$1.18	N/A	$1.42+37.9%	$1.03+47.1%	$0.70	N/A	$0.76-11.6%	$0.86

RM Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.1B+10.2%	$1.9B+6.4%	$1.8B+4.0%	$1.7B+18.2%	$1.5B+32.2%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$98.0M-27.7%	$135.6M+5.4%	$128.7M-2.4%	$131.8M-11.7%	$149.2M+107.6%	$71.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	$716K0.0%	$716K0.0%	$716K
Total Liabilities	$1.7B+11.5%	$1.6B+5.4%	$1.5B+3.9%	$1.4B+20.3%	$1.2B+41.5%	$831.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.6B+11.6%	$1.5B+5.5%	$1.4B+3.7%	$1.3B+22.7%	$1.1B+43.9%	$762.2M
Total Equity	$373.1M+4.5%	$357.1M+10.8%	$322.3M+4.4%	$308.6M+9.2%	$282.7M+3.9%	$272.1M
Retained Earnings	$410.7M+8.5%	$378.5M+8.3%	$349.6M+1.2%	$345.5M+12.9%	$306.1M+34.6%	$227.3M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.1B-1.5%	$2.1B+3.7%	$2.0B+3.1%	$2.0B+3.5%	$1.9B-0.4%	$1.9B+4.8%	$1.8B+1.8%	$1.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$103.2M+5.3%	$98.0M-9.7%	$108.5M-11.0%	$121.9M-3.6%	$126.5M-6.8%	$135.6M+12.7%	$120.3M-16.0%	$143.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.7B-2.0%	$1.7B+4.5%	$1.7B+3.3%	$1.6B+4.0%	$1.5B-0.6%	$1.6B+5.7%	$1.5B+1.7%	$1.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.6B-1.7%	$1.6B+4.3%	$1.6B+4.8%	$1.5B+2.2%	$1.5B-0.1%	$1.5B+5.8%	$1.4B+1.3%	$1.4B
Total Equity	$375.8M+0.7%	$373.1M+0.3%	$371.9M+2.5%	$363.0M+1.4%	$357.9M+0.2%	$357.1M+1.2%	$352.9M+2.3%	$344.9M
Retained Earnings	$419.2M+2.1%	$410.7M+2.5%	$400.8M+2.9%	$389.6M+1.8%	$382.5M+1.1%	$378.5M+1.8%	$371.7M+1.2%	$367.2M

RM Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$309.1M+14.9%	$268.9M+7.9%	$249.2M+11.1%	$224.3M+18.7%	$189.0M+14.6%	$165.0M
Capital Expenditures	$4.8M-5.8%	$5.1M+7.7%	$4.7M-20.1%	$5.9M+63.7%	$3.6M-8.8%	$3.9M
Free Cash Flow	$304.3M+15.3%	$263.9M+7.9%	$244.5M+11.9%	$218.5M+17.8%	$185.4M+15.1%	$161.0M
Investing Cash Flow	-$471.2M-49.4%	-$315.4M-13.1%	-$278.7M+37.7%	-$447.3M-26.0%	-$355.1M-287.3%	-$91.7M
Financing Cash Flow	$124.5M+133.1%	$53.4M+102.1%	$26.4M-87.1%	$205.6M-15.5%	$243.4M+520.7%	-$57.8M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$24.0M+577.5%	$3.5M	N/A	$20.6M-69.4%	$67.4M+461.4%	$12.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$81.0M+1.2%	$80.1M-7.6%	$86.7M+10.2%	$78.7M+23.5%	$63.7M-0.3%	$63.8M-15.0%	$75.1M+5.1%	$71.5M
Capital Expenditures	$1.1M-23.8%	$1.5M+43.6%	$1.0M-0.4%	$1.0M-20.2%	$1.3M-15.9%	$1.5M+16.3%	$1.3M+7.8%	$1.2M
Free Cash Flow	$79.9M+1.6%	$78.6M-8.2%	$85.7M+10.3%	$77.6M+24.4%	$62.4M+0.1%	$62.3M-15.6%	$73.8M+5.0%	$70.3M
Investing Cash Flow	-$34.8M+75.7%	-$143.2M+12.0%	-$162.6M-54.7%	-$105.1M-74.4%	-$60.3M+49.3%	-$119.0M-6.4%	-$111.8M-74.1%	-$64.2M
Financing Cash Flow	-$41.0M-177.9%	$52.6M-16.0%	$62.6M+185.5%	$21.9M+274.4%	-$12.6M-117.8%	$70.4M+409.5%	$13.8M+2.1%	$13.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$7.5M0.0%	$7.5M+50.0%	$5.0M0.0%	$5.0M-22.6%	$6.5M	N/A	N/A	N/A

RM Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	6.9%-0.1pp	7.0%+4.1pp	2.9%-7.2pp	10.1%-10.6pp	20.7%+13.6pp	7.1%
Return on Equity	11.9%+0.3pp	11.6%+6.6pp	5.0%-11.7pp	16.6%-14.8pp	31.4%+21.5pp	9.8%
Return on Assets	2.1%-0.1pp	2.2%+1.3pp	0.9%-2.1pp	3.0%-3.1pp	6.1%+3.7pp	2.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.40+0.3	4.12-0.2	4.33-0.0	4.36+0.5	3.88+1.1	2.80
FCF Margin	47.1%+2.3pp	44.8%+0.5pp	44.3%+1.3pp	43.1%-0.2pp	43.3%+0.2pp	43.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	6.8%-0.8pp	7.6%-1.1pp	8.7%+2.2pp	6.4%+1.9pp	4.6%-1.8pp	6.4%+1.2pp	5.2%-0.7pp	5.9%
Return on Equity	3.0%-0.4pp	3.5%-0.4pp	3.9%+1.1pp	2.8%+0.8pp	2.0%-0.8pp	2.8%+0.6pp	2.2%-0.3pp	2.5%
Return on Assets	0.5%-0.1pp	0.6%-0.1pp	0.7%+0.2pp	0.5%+0.1pp	0.4%-0.1pp	0.5%+0.1pp	0.4%-0.1pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.30-0.1	4.40+0.2	4.23+0.1	4.14+0.0	4.11-0.0	4.12+0.2	3.94-0.0	3.98
FCF Margin	47.8%+1.4pp	46.3%-5.5pp	51.8%+2.5pp	49.3%+8.5pp	40.8%+0.5pp	40.3%-10.2pp	50.4%+1.3pp	49.1%

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Frequently Asked Questions

What is Regional Mgmt Corp's annual revenue?

Regional Mgmt Corp (RM) reported $645.6M in total revenue for fiscal year 2025. This represents a 9.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Regional Mgmt Corp's revenue growing?

Regional Mgmt Corp (RM) revenue grew by 9.7% year-over-year, from $588.5M to $645.6M in fiscal year 2025.

Is Regional Mgmt Corp profitable?

Yes, Regional Mgmt Corp (RM) reported a net income of $44.4M in fiscal year 2025, with a net profit margin of 6.9%.

How much debt does Regional Mgmt Corp have?

As of fiscal year 2025, Regional Mgmt Corp (RM) had $98.0M in cash and equivalents against $1.6B in long-term debt.

What is Regional Mgmt Corp's net profit margin?

Regional Mgmt Corp (RM) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Regional Mgmt Corp pay dividends?

Yes, Regional Mgmt Corp (RM) paid $1.20 per share in dividends during fiscal year 2025.

What is Regional Mgmt Corp's return on equity (ROE)?

Regional Mgmt Corp (RM) has a return on equity of 11.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Regional Mgmt Corp's free cash flow?

Regional Mgmt Corp (RM) generated $304.3M in free cash flow during fiscal year 2025. This represents a 15.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Regional Mgmt Corp's operating cash flow?

Regional Mgmt Corp (RM) generated $309.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Regional Mgmt Corp's total assets?

Regional Mgmt Corp (RM) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Regional Mgmt Corp's capital expenditures?

Regional Mgmt Corp (RM) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Regional Mgmt Corp buy back shares?

Yes, Regional Mgmt Corp (RM) spent $24.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Regional Mgmt Corp have outstanding?

Regional Mgmt Corp (RM) had 10M shares outstanding as of fiscal year 2025.

What is Regional Mgmt Corp's debt-to-equity ratio?

Regional Mgmt Corp (RM) had a debt-to-equity ratio of 4.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Regional Mgmt Corp's return on assets (ROA)?

Regional Mgmt Corp (RM) had a return on assets of 2.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Regional Mgmt Corp's Piotroski F-Score?

Regional Mgmt Corp (RM) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Regional Mgmt Corp's earnings high quality?

Regional Mgmt Corp (RM) has an earnings quality ratio of 6.96x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Regional Mgmt Corp?

Regional Mgmt Corp (RM) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.