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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| RM | +31.15% | +84.6% | +13.03% | +172% |
| S&P | +13.19% | +87.83% | +13.42% | +379% |
Regional Management Corp. engages in the provision of consumer financial services. The firm's products include small, large, and retail installment loans. It also offers optional payment and collateral protection insurance products. The company was founded by Richard A. Godley and C. Glynn Quattlebaum on March 25, 1987 and is headquartered in Greer, SC.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $165.49M | 13.1% |
| Gross Profit | $161.26M | 13.0% |
| Gross Margin | 97.45% | -0.1% |
| Market Cap | $381.77M | 14.9% |
| Market Cap / Employee | $0.18M | 0.0% |
| Employees | 2.1K | 2.4% |
| Net Income | $14.36M | 87.3% |
| EBITDA | $105.64M | 20.8% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $108.54M | -9.8% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $1.62B | 13.1% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.15% | 0.8% |
| Return On Invested Capital | 3.35% | -0.2% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $85.67M | 16.1% |
| Operating Free Cash Flow | $86.68M | 15.4% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 8.18 | 9.14 | 8.42 | 9.45 | -31.47% |
| Price to Book | 0.98 | 0.84 | 0.82 | 1.07 | 11.02% |
| Price to Sales | 0.58 | 0.51 | 0.47 | 0.63 | 9.11% |
| Price to Tangible Book Value | 1.04 | 0.91 | 0.89 | 1.16 | 13.85% |
| Price to Free Cash Flow TTM | 1.37 | 1.18 | 1.09 | 1.43 | 10.50% |
| Enterprise Value to EBITDA | 18.35 | 18.65 | 17.41 | 18.02 | -3.93% |
| Free Cash Flow Yield | 73.1% | 85.1% | 92.0% | 70.0% | -9.50% |
| Return on Equity | 12.1% | 9.5% | 9.8% | 11.4% | 64.52% |
| Total Debt | $1.51B | $1.51B | $1.55B | $1.62B | 13.06% |
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RM earnings call for the period ending June 30, 2022.
RM earnings call for the period ending December 31, 2021.
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