Regional Management Corp. (RM) — Financial statements
Income statement, balance sheet, and cash flow for Regional Management Corp. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 646↑9.7% | 589↑6.7% | 551↑8.7% | 507↑18.4% | 428 | |
| Cost of Revenue | 308↑7.3% | 287↓0.3% | 287↑31.1% | 219↑82.2% | 120 | |
| Gross Profit | 338↑12.0% | 302↑14.4% | 264↓8.3% | 288↓6.5% | 308 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 222↑9.4% | 203↑0.3% | 202↑10.3% | 183↑16.8% | 157 | |
| Selling & Marketing Expenses | 19↓2.4% | 19↑20.5% | 16↑2.6% | 15↑6.8% | 14 | |
| SG&A Expenses | 240↑8.4% | 222↑1.7% | 218↑9.7% | 199↑15.9% | 171 | |
| Other Expenses | 17↓33.8% | 26↑3.2% | 25↑5.1% | 24↓1.3% | 24 | |
| Operating Expenses | 258↑4.0% | 248↑1.9% | 243↑9.3% | 223↑13.8% | 196 | |
| Total Costs & Expenses | 565↑5.8% | 534↑0.7% | 531↑20.1% | 442↑39.9% | 316 | |
| Operating Results | ||||||
| Operating Income | 80↑48.6% | 54↑160.2% | 21↓68.2% | 65↓41.9% | 112 | |
| Depreciation & Amortization | 12↓16.7% | 14↓3.9% | 15↑15.3% | 13↑8.9% | 12 | |
| EBITDA | 92↑35.1% | 68↑92.4% | 35↓54.6% | 78↓37.2% | 124 | |
| EBIT | 80↑48.6% | 54↑160.2% | 21↓68.2% | 65↓41.9% | 112 | |
| Interest & Other Income | ||||||
| Net Interest Income | 494↑8.8% | 454↑7.6% | 422↑1.3% | 417↑18.6% | 351 | |
| Interest Income | 579↑9.5% | 529↑8.0% | 490↑8.6% | 451↑17.9% | 383 | |
| Interest Expense | 85↑13.8% | 75↑10.5% | 67↑97.1% | 34↑9.2% | 31 | |
| Non-Operating Income | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -23 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 58↑6.8% | 54↑160.2% | 21↓68.2% | 65↓41.9% | 112 | |
| Income Tax Expense | 13↑4.0% | 13↑166.3% | 5↓65.8% | 14↓40.7% | 24 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 44↑7.7% | 41↑158.3% | 16↓68.8% | 51↓42.2% | 89 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 44↑7.7% | 41↑158.3% | 16↓68.8% | 51↓42.2% | 89 | |
| Bottom-Line Net Income | 44↑7.7% | 41↑158.3% | 16↓68.8% | 51↓42.2% | 89 | |
| EPS (Basic) | 4.63↑8.2% | 4.28↑151.8% | 1.70↓69.1% | 5.51↓37.7% | 8.84 | |
| EPS (Diluted) | 4.45↑7.5% | 4.14↑149.4% | 1.66↓68.7% | 5.30↓36.4% | 8.33 | |
| Weighted Average Shares | 10↑3.0% | 10↑2.6% | 9↑1.1% | 9↓7.4% | 10 | |
| Weighted Average Diluted Shares | 10↓1.6% | 10↑5.2% | 10↓0.7% | 10↓9.3% | 11 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.