← Regional Management Corp. RM
Market Price
$33.47
Market Cap
$300.74M
P/E Ratio
7.52
Revenue (FY 2025)
↑12.0% YoY
$45.57M
3-Yr CAGR: 1.6%
Net Income
↑7.7% YoY
$44.41M
Net Margin: 97.5%
Free Cash Flow
↑15.3% YoY
$304.31M
FCF Yield: 101.19%
EPS (Diluted)
↑7.5% YoY
$4.45
Basic: $4.71
Return on Equity
Efficiency
11.9%
ROA: 2.1%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (RM)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2017: Revenue YoY (+38.1%) is identical to Gross Profit YoY (+38.1%). Verify the underlying Revenue and Gross Profit values for FY 2017 and FY 2016.
- FY 2018: Revenue YoY (+13.3%) is identical to Gross Profit YoY (+13.3%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
- FY 2019: Revenue YoY (+40.7%) is identical to Gross Profit YoY (+40.7%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (+36.2%) is identical to Gross Profit YoY (+36.2%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2024: Revenue YoY (-8.6%) is identical to Gross Profit YoY (-8.6%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+12.0%) is identical to Gross Profit YoY (+12.0%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $9.5M | — | $9.5M | $24.0M | — | $1.99 | — | $99.9M | $93.5M | — |
| FY 2017 | $13.1M | +38.1% | $13.1M | $30.0M | +24.7% | $2.54 | +27.6% | $115.4M | $110.7M | +18.4% |
| FY 2018 | $14.8M | +13.3% | $14.8M | $35.3M | +18.0% | $2.93 | +15.4% | $146.3M | $140.9M | +27.3% |
| FY 2019 | $20.8M | +40.7% | $20.8M | $44.7M | +26.6% | $3.80 | +29.7% | $165.1M | $159.3M | +13.0% |
| FY 2020 | $28.3M | +36.2% | $28.3M | $26.7M | -40.2% | $2.40 | -36.8% | $172.6M | $168.2M | +5.6% |
| FY 2021 | $35.5M | +25.2% | $4.1M | $88.7M | +231.8% | $8.33 | +247.1% | $189.0M | $185.4M | +10.2% |
| FY 2022 | $43.5M | +22.6% | $9.3M | $51.2M | -42.2% | $5.30 | -36.4% | $224.3M | $218.5M | +17.8% |
| FY 2023 | $44.5M | +2.4% | $44.5M | $16.0M | -68.8% | $1.66 | -68.7% | $249.2M | $244.5M | +11.9% |
| FY 2024 | $40.7M | -8.6% | $40.7M | $41.2M | +158.3% | $4.14 | +149.4% | $268.9M | $263.9M | +7.9% |
| FY 2025 | $45.6M | +12.0% | $45.6M | $44.4M | +7.7% | $4.45 | +7.5% | $309.1M | $304.3M | +15.3% |
Valuation
Market Price
$33.47
Market Cap
$300.74M
Enterprise Value
N/A
P/E Ratio
7.52
P/B Ratio
0.83
FCF Yield
101.19%
Dividend Yield
3.59%
Shares Outstanding
Profitability & Margins
Gross Margin
34.95%
Operating Margin
126.78%
Net Margin
97.45%
Return on Equity (ROE)
11.90%
Return on Assets (ROA)
2.11%
Asset Turnover
0.02x
Revenue 3-Yr CAGR
1.56%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
4.402
Debt / Assets
0.781
Cash & Equivalents
N/A
Total Debt
$1.64B
Book Value / Share
$40.52
Cash Flow Efficiency
Operating Cash Flow
$309.07M
Capital Expenditures (CapEx)
$4.76M
Free Cash Flow
$304.31M
OCF / Revenue
678.19%
FCF / Revenue
667.74%
FCF 3-Yr CAGR
11.68%
Per Share Metrics
EPS (Diluted)
$4.45
EPS (Basic)
$4.71
Dividends / Share
$1.20
Book Value / Share
$40.52
EPS YoY Growth
7.49%
Balance Sheet (FY 2025)
Total Assets
$2.10B
Total Liabilities
$3.35M
Stockholders' Equity
$373.09M
Current Assets
N/A
Current Liabilities
N/A