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Regional Management Corp.

$32.76 ▼ -0.26 (-0.79%) at close

17 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

Regional Management Corp. faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $308.9M

Dividend Yield 3.66%

Revenue Growth 9.7% ↗

Op. Margin 8.9% ↘

ROIC None

FCF / Share None

Trailing P/E 7.0x

Price / Book 0.8x

FCF Yield —

Debt / Equity 4.40

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$645.60M

↑ +9.7% —

Net Income Profit after all expenses

$44.41M

↑ +7.7% —

Operating Margin Operating profit as % of sales

8.9%

↓ -2.6% 54th

Long-Term Debt Long-term obligations

$1.64B

↑ +11.6% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.20 Latest / share

+0.0% YoY

+43.1% 6-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

$0.20

FY 2020

$0.95

FY 2021

$1.20

FY 2022

$1.20

FY 2023

$1.20

FY 2024

$1.20

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	9.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	8.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+45%)	18.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+207%)	14.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+143%)	5.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	16.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+166%)	12.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+109%)	13.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+121%)	10.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	20.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+233%)	25.4% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+324%)	29.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+388%)	21.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+253%)	—	—
EPS Growth YoY (%)	10.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	151.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-69.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-37.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	260.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-37.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	29.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	17.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	27.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	11.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	55.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-48.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-4.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	29.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	7.7% Fair ↓ Fair Declining Year-over-year change in net income	158.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-68.8% Weak ↓ Weak Declining Year-over-year change in net income	-42.2% Weak ↓ Weak Declining Year-over-year change in net income	231.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-40.2% Weak ↓ Weak Declining Year-over-year change in net income	26.6% Excellent ↑ Excellent Improving Year-over-year change in net income	18.0% Good ↓ Good Declining Year-over-year change in net income	24.7% Good ↑ Good Improving Year-over-year change in net income	2.9% Caution ↓ Caution Declining Year-over-year change in net income	57.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-48.6% Weak ↓ Weak Declining Year-over-year change in net income	13.5% Fair ↓ Fair Declining Year-over-year change in net income	19.4% Good Good Year-over-year change in net income	29.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.6% Good → Good Stable Compound annual revenue growth over 3 years	11.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	24.8% Excellent Excellent Compound annual revenue growth over 3 years	25.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	11.5% Good → Good Stable Compound annual revenue growth over 5 years	10.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.4% Excellent → Excellent Stable Compound annual revenue growth over 5 years	13.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	11.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	18.0% Excellent Excellent Compound annual revenue growth over 5 years	20.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-5.1% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-21.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	12.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	42.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	24.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	30.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-3.9% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-5.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-19.9% Weak Weak Compound annual EPS growth over 3 years	9.2% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	8.9% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	9.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	3.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	12.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	26.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	9.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	16.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	15.0% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	14.8% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	16.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	17.6% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	11.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	27.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	29.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	31.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	29.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	—
Effective Tax Rate (%) (%)	23.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.3% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.7% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.2% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.7% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	6.9% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	7.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	2.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	10.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	20.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	7.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	12.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	11.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	11.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	10.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	10.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	7.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	16.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	18.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	20.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	18.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.1% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.4% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.8% Caution Caution Operating profit relative to total assets Optimal: > 10%	7.0% Caution Caution Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	5.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	16.6% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+38%)	31.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+161%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	14.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	17.9% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	19.4% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+62%)	40.2% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+235%)	52.3% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+336%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	4.40x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+267%)	4.12x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+244%)	4.33x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+261%)	4.36x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+263%)	3.88x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+223%)	2.80x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+133%)	2.64x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+120%)	2.33x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+94%)	2.37x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+97%)	2.36x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+97%)	1.99x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+66%)	1.91x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+60%)	2.25x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+88%)	2.24x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+87%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$68.48	$61.05	$58.67	$54.56	$42.69	$34.21	$31.20	$26.32	$23.59	$20.34	$16.91	$16.12	$13.57	$11.63	$11.27	$9.30	—
Basic EPS, GAAP (USD)	$4.71	$4.28	$1.70	$5.51	$8.84	$2.45	$3.92	$3.03	$2.59	$2.03	$1.82	$1.17	$2.29	$2.17	$2.28	$1.76	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.20	$1.20	$1.20	$1.20	$0.95	$0.20	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$39.05	$35.67	$33.02	$32.41	$28.89	$24.89	$27.49	$23.70	$20.53	$18.12	$15.89	$13.99	$12.74	$10.46	$5.66	$3.37	—
Tangible Book Value per Share (USD)	$39.05	$35.67	$33.02	$32.33	$28.81	$24.83	$27.43	$23.64	$20.47	$18.06	$15.84	$13.93	$12.68	$10.28	$5.61	$3.33	—
Basic Weighted Avg Shares (shares)	9.43M	9.64M	9.40M	9.30M	10.03M	10.93M	11.40M	11.65M	11.55M	11.82M	12.85M	12.70M	12.57M	11.69M	9.34M	9.34M	—
Dividend Payout Ratio (%)	25.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	28.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	70.6% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	8.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$1.64B	$1.47B	$1.40B	$1.35B	$1.10B	$762.25M	$798.61M	$651.35M	$566.55M	$489.53M	$408.49M	$341.42M	$362.75M	$292.38M	—	—	—
Total Equity (USD)	$373.09M	$357.08M	$322.27M	$308.63M	$282.74M	$272.12M	$302.78M	$279.16M	$239.41M	$207.47M	$205.23M	$178.32M	$161.17M	$130.57M	$52.88M	$31.44M	$14.64M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$645.60M	$588.50M	$551.40M	$507.19M	$428.35M	$373.91M	$355.71M	$306.71M	$272.46M	$240.52M	$217.31M	$204.72M	$170.63M	$136.05M	$105.22M	$86.83M	—
Depreciation Expense (USD)	$16.25M	$14.07M	$14.63M	$12.69M	$11.65M	$13.31M	$10.86M	$8.80M	$7.36M	$6.44M	$3.92M	$3.79M	$3.46M	$2.58M	$1.34M	$1.38M	—
Net Income, GAAP (USD)	$44.41M	$41.23M	$15.96M	$51.22M	$88.69M	$26.73M	$44.73M	$35.34M	$29.96M	$24.03M	$23.36M	$14.80M	$28.79M	$25.37M	$21.24M	$16.44M	—
Operating Cash Flow (USD)	$309.07M	$268.93M	$249.17M	$224.33M	$189.01M	$164.98M	$165.06M	$146.28M	$115.43M	—	—	—	$72.59M	$57.57M	$41.05M	$41.22M	—

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Premiums Earned (USD)	$58.77M	$57.31M	$59.83M	$60.19M	$53.22M	$42.82M	$35.54M	$31.09M	$25.86M	$22.50M	$20.26M	$17.39M	$16.06M	$14.57M	$13.18M	$11.85M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 64 quarters

Regional Management Corp.

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