← Regional Management Corp.

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Cash flows from operating activities:
Adjustments to reconcile net income to net cash provided by operating activities:
Net Income (Loss) Attributable to Parent $24.0m $30.0m $35.3m $44.7m $26.7m $88.7m $51.2m $16.0m $41.2m $44.4m
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest — — $35.3m $44.7m $26.7m $88.7m $51.2m $16.0m $41.2m $44.4m
Depreciation, Depletion and Amortization $6.4m $7.4m $8.8m $10.9m $13.3m $11.7m $12.7m $14.6m $14.1m $16.2m
Amortization of Intangible Assets $1.9m $2.2m $2.0m $2.2m $2k $2.4m $2.9m $3.7m $4.4m $5.6m
Depreciation $3.1m $3.4m $3.7m $4.3m $5k $4k $4.1m $4.6m $4.8m $5.0m
Deferred Income Tax Expense (Benefit) $1.9m $5.0m ($4.2m) ($1.4m) $676k ($4.3m) $4.8m $112k $4.2m $12.6m
Share-based Payment Arrangement, Noncash Expense $4.2m $4.3m $6.9m $5.1m $5.6m $7.4m $10.8m $11.8m $11.2m $11.9m
Payment, Tax Withholding, Share-based Payment Arrangement $487k $1.8m $692k $939k $1.6m $10.0m $3.0m $2.9m $2.5m $4.2m
Share-based Payment Arrangement, Expense — — — — — — — — $11.2m $11.9m
Goodwill, Impairment Loss $0 $0 $0 $0 $0 $0 $0 — — —
Gain (Loss) on Disposition of Property Plant Equipment ($3k) ($245k) ($24k) ($94k) ($180k) ($161k) ($143k) ($867k) ($407k) $331k
Income Tax Expense (Benefit) $14.9m $10.3m $10.6m $14.3m $9.2m $23.8m $14.1m $4.8m $12.8m $13.4m
Operating Lease, Expense — — — — — $10.2m $10.2m $11.0m $11.7m —
Additional Financial Items
General and Administrative Expense $118.6m $131.0m $140.3m $157.0m $176.3m $195.5m $222.5m $243.1m $247.7m $257.6m
Goodwill $716k $716k $716k $716k $716k $716k $716k — — —
Insurance Services Revenue $9.5m $13.1m $14.8m $20.8m $28.3m $35.5m $43.5m $44.5m $40.7m $45.6m
Proceeds from Stock Options Exercised — $307k — — — — — $289k — —
Financing Receivable, Credit Loss, Expense (Reversal) — — — — — — — — $212.2m $245.4m
Unrealized Gain (Loss) on Derivatives ($170k) ($64k) ($330k) ($249k) ($261k) $2.7m — — — —
Net Cash Provided by (Used in) Operating Activities $99.9m $115.4m $146.3m $165.1m $172.6m $189.0m $224.3m $249.2m $268.9m $309.1m
Cash flows from investing activities:
Payments to Acquire Property, Plant, and Equipment $6.4m $4.8m $5.4m $5.8m $4.4m $3.6m $5.9m $4.7m $5.1m $4.8m
Gain (Loss) on Sale of Investments — — — — — — — — ($20k) —
Net Cash Provided by (Used in) Investing Activities ($157.4m) ($188.4m) ($199.2m) ($275.6m) ($98.8m) ($355.1m) ($447.3m) ($278.7m) ($315.4m) ($471.2m)
Cash flows from financing activities:
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale — — — — — — — $4.1m $24.7m $39.8m
Payments for Repurchase of Common Stock $25.0m — — $25.0m $12.0m $67.4m $20.6m — $3.5m $24.0m
Dividends Payable — — — — — $388k — — — —
Net Cash Provided by (Used in) Financing Activities $54.2m $73.8m $81.1m $116.9m ($58.3m) $243.4m $205.6m $26.4m $53.4m $124.5m
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $12.7m $22.0m $28.1m $6.3m $15.4m $77.3m ($17.4m) ($3.1m) $7.0m ($37.6m)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents — — $50.1m $56.4m $71.9m $149.2m $131.8m $128.7m $135.6m $98.0m
Supplemental disclosure of cash flow information:
Interest Paid, Excluding Capitalized Interest, Operating Activities $17.6m $20.5m $30.1m $35.5m $32.0m $29.4m $40.5m $60.1m $69.2m $78.4m
Income Taxes Paid, Net $12.6m $15.7m $3.6m $14.7m $7.1m $23.1m $27.0m $3.0m $2.7m $6.1m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.