RM
Regional Management Corp
NYSE: RM · FINANCIAL SERVICES · CREDIT SERVICES
$38.52
-2.03% today
Updated 2026-04-29
Market cap
$369.49M
P/E ratio
8.84
P/S ratio
0.59x
EPS (TTM)
$4.45
Dividend yield
3.02%
52W range
$25 – $45
Volume
0.1M
Regional Management Corp (RM) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $72.81M | $86.83M | $105.34M | $135.70M | $170.63M | $204.72M | $217.31M | $240.52M | $272.46M | $306.71M | $355.71M | $373.91M | $428.35M | $507.19M | $551.40M | $588.50M | $645.57M |
| Revenue growth (YoY) | — | +19.3% | +21.3% | +28.8% | +25.7% | +20.0% | +6.1% | +10.7% | +13.3% | +12.6% | +16.0% | +5.1% | +14.6% | +18.4% | +8.7% | +6.7% | +9.7% |
| Cost of revenue | $28.09M | $26.63M | $30.20M | $39.38M | $53.34M | $84.00M | $63.57M | $82.94M | $101.25M | $120.52M | $139.74M | $161.66M | $120.36M | $219.34M | $287.50M | $286.73M | $307.64M |
| Gross profit | $44.73M | $60.20M | $75.14M | $96.32M | $117.29M | $120.72M | $153.74M | $157.58M | $171.21M | $186.19M | $215.98M | $212.24M | $307.99M | $287.85M | $263.90M | $301.77M | $337.93M |
| Gross margin | 61.4% | 69.3% | 71.3% | 71.0% | 68.7% | 59.0% | 70.7% | 65.5% | 62.8% | 60.7% | 60.7% | 56.8% | 71.9% | 56.8% | 47.9% | 51.3% | 52.3% |
| R&D | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — |
| SG&A | $23.37M | $26.16M | $32.25M | $44.14M | $55.31M | $75.69M | $91.27M | $91.74M | $102.30M | $111.67M | $126.20M | $143.33M | $156.98M | $183.34M | $202.32M | $202.87M | $221.92M |
| Operating income | $14.35M | $25.62M | $33.33M | $39.31M | $46.25M | $23.94M | $38.14M | $38.95M | $40.26M | $45.90M | $58.99M | $35.93M | $112.47M | $65.32M | $20.78M | $54.08M | $80.36M |
| Operating margin | 19.7% | 29.5% | 31.6% | 29.0% | 27.1% | 11.7% | 17.6% | 16.2% | 14.8% | 15.0% | 16.6% | 9.6% | 26.3% | 12.9% | 3.8% | 9.2% | 12.4% |
| EBITDA | $15.49M | $27.00M | $34.77M | $41.91M | $49.71M | $27.82M | $42.06M | $45.39M | $47.61M | $54.70M | $69.85M | $49.24M | $124.13M | $78.01M | $35.42M | $68.14M | $92.08M |
| EBITDA margin | 21.3% | 31.1% | 33.0% | 30.9% | 29.1% | 13.6% | 19.4% | 18.9% | 17.5% | 17.8% | 19.6% | 13.2% | 29.0% | 15.4% | 6.4% | 11.6% | 14.3% |
| EBIT | $14.35M | $25.62M | $33.33M | $39.31M | $46.25M | $23.94M | $38.14M | $38.95M | $40.26M | $45.90M | $58.99M | $35.93M | $112.47M | $65.32M | $20.78M | $54.08M | $80.36M |
| Interest expense | $8.68M | $10.06M | $12.34M | $11.61M | $14.14M | $14.95M | $16.22M | $19.92M | $23.91M | $33.46M | $40.13M | $37.85M | $31.35M | $34.22M | $67.46M | $74.53M | $84.81M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $9.87M | $16.44M | $21.04M | $24.75M | $28.79M | $14.80M | $23.36M | $24.03M | $29.96M | $35.34M | $44.73M | $26.73M | $88.69M | $51.22M | $15.96M | $41.23M | $44.41M |
| Net income growth (YoY) | — | +66.6% | +27.9% | +17.6% | +16.3% | -48.6% | +57.9% | +2.9% | +24.7% | +18.0% | +26.6% | -40.2% | +231.8% | -42.2% | -68.8% | +158.3% | +7.7% |
| Profit margin | 13.6% | 18.9% | 20.0% | 18.2% | 16.9% | 7.2% | 10.8% | 10.0% | 11.0% | 11.5% | 12.6% | 7.1% | 20.7% | 10.1% | 2.9% | 7.0% | 6.9% |