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RM

Regional Management Corp.

RM

Regional Management Corp. • NYSE
$38.04 ▼ -2.76% (-1.08)
Market Cap $369.89 M
52w High $46.00
52w Low $25.41
Dividend Yield 1.20%
P/E 9.21
Volume 17.95K
Outstanding Shares 9.72M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $165.487M ▲ $64.068M ▲ $14.356M ▲ 8.675% ▲ $1.53 ▲ $23.199M ▲
Q2-2025 $157.442M ▲ $62.945M ▼ $10.14M ▲ 6.44% ▲ $1.07 ▲ $17.379M ▲
Q1-2025 $152.967M ▼ $66.043M ▲ $7.007M ▼ 4.581% ▼ $0.73 ▼ $12.764M ▼
Q4-2024 $154.832M ▲ $64.646M ▲ $9.914M ▲ 6.403% ▲ $1.02 ▲ $16.362M ▲
Q3-2024 $146.338M $62.468M $7.663M 5.237% $0.77 $13.747M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $4.084M ▼ $2.028B ▲ $1.656B ▲ $371.918M ▲
Q2-2025 $121.93M ▲ $1.967B ▲ $1.604B ▲ $362.951M ▲
Q1-2025 $4.158M ▲ $1.901B ▼ $1.543B ▼ $357.876M ▲
Q4-2024 $3.951M ▼ $1.909B ▲ $1.552B ▲ $357.078M ▲
Q3-2024 $4.745M $1.822B $1.469B $352.928M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $14.356M ▲ $86.684M ▲ $-162.636M ▼ $62.565M ▲ $-13.387M ▼ $82.63M ▲
Q2-2025 $10.14M ▲ $78.658M ▲ $-105.112M ▼ $21.914M ▲ $-4.54M ▲ $74.549M ▲
Q1-2025 $7.007M ▼ $63.665M ▼ $-60.267M ▲ $-12.563M ▼ $-9.165M ▼ $62.39M ▲
Q4-2024 $9.914M ▲ $63.842M ▼ $-118.975M ▼ $70.447M ▲ $15.314M ▲ $59.69M ▼
Q3-2024 $7.663M $75.119M $-111.838M $13.826M $-22.893M $73.816M

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the past five years, showing that RM has been able to expand its lending activity and customer base. Profitability, however, has been more uneven. Earnings were very strong a few years ago, then fell back sharply, and have since begun to recover but are still below the earlier peak. This pattern suggests a business that can grow, but whose profits are quite sensitive to credit quality, funding costs, and the broader economic cycle. Overall, RM looks like a lender with solid top-line momentum but more volatile bottom-line performance, typical for non-prime credit businesses.

Balance Sheet

Balance Sheet The balance sheet has expanded over time as the loan portfolio has grown. Debt has increased alongside assets, while shareholders’ equity has risen more slowly, which points to a fairly leveraged model that depends heavily on borrowing to fund loans. Cash on hand appears minimal, implying reliance on credit facilities and capital markets rather than large liquidity buffers. This is common in specialty finance, but it does mean RM’s strength is closely tied to continued access to affordable funding and careful risk management on its loan book.

Cash Flow

Cash Flow Despite earnings volatility, RM’s cash generation has been consistently positive, with operating and free cash flow both trending upward over several years. Investment needs for property, technology, and branches appear modest relative to cash generated, which supports ongoing operations without heavy capital spending. In simple terms, the business seems to convert a healthy portion of its activity into cash, giving it some flexibility to service debt, absorb credit losses, and invest in its network and technology, provided credit performance stays under control.

Competitive Edge

Competitive Edge RM operates in the non-prime consumer lending niche, where many customers have limited options from traditional banks. Its key differentiator is a branch-centric, relationship-driven model combined with a growing digital layer. The physical presence helps build trust, improve collections, and serve customers who are less comfortable with purely online lenders, which can foster loyalty and repeat borrowing. At the same time, the company faces ongoing competition from other specialty finance players, online lenders, and evolving bank products, as well as continual regulatory and reputational scrutiny given its customer segment.

Innovation and R&D

Innovation and R&D Innovation at RM is focused on making its existing model smarter and more efficient rather than reinventing it. The company is modernizing loan origination systems, using data and analytics to target marketing, and introducing machine learning into underwriting to refine credit decisions. It is also rolling out digital tools for applications and account management to complement its branches. Leadership with a strong digital background suggests this push will continue. The opportunity is to gain better risk control and lower costs without losing the human, branch-based service that underpins its brand, but this requires careful execution and ongoing tech investment.

Summary

RM is a growing, branch-based consumer finance company serving non-prime and near-prime borrowers, with revenue rising steadily but earnings that move around with the credit cycle and funding environment. Its balance sheet is typical for a specialty lender: a large loan book funded mostly with debt, leaving it sensitive to credit quality, interest rates, and access to capital. Cash flows are a relative strength, showing consistent, positive generation and modest capital spending needs. Competitively, RM leans on personal relationships, a dense branch network, and targeted products, while gradually layering in analytics and digital tools to stay relevant. The main opportunities lie in expanding its footprint and improving risk management through technology; the main risks center on credit losses, regulation, funding conditions, and the inherent volatility of lending to non-prime customers.

NEWS

November 20, 2025 · 7:05 AM UTC

Roxmore Resources and Taura Gold Complete Previously Announced Plan of Arrangement

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November 10, 2025 · 4:15 PM UTC

Regional Management Corp. Announces Grant of Employment Inducement Awards

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November 5, 2025 · 4:20 PM UTC

Regional Management Corp. Names Lakhbir Lamba as President, Chief Executive Officer, and Director

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November 5, 2025 · 4:15 PM UTC

Regional Management Corp. Announces Third Quarter 2025 Results

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October 29, 2025 · 4:15 PM UTC

Regional Management Corp. Completes $253 Million Asset-Backed Securitization

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