RM

MKT CAP:$366M

Regional Management Corp.

Market Cap

$366M

Financial Services·Financial - Credit Services·🇺🇸 United States·NYSE

Financials·Financial·🇺🇸·NYSE

Stock Price

$40.09+$0.85 (+2.17%)

Apr 17, 2026

Company Details

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the...

CEO

Lakhbir Lamba

IPO Date

Mar 28, 2012

Website

www.regionalmanagement.com

Key Metrics TTM

Revenue

$646M

+9.7% YoY

Net Income

$44M

EPS (Diluted)

$4.45

Free Cash Flow

$298M

Revenue / Share

$65.01

Gross Margin

52.3%

Operating Margin

12.4%

Net Margin

6.9%

FCF Margin

46.2%

P/S

0.6x

P/E

8.2x

Earnings Reports

Q1 2026

Apr 29, 2026

PENDING

FY 2025

Feb 20, 2026

$646M+9.7%EPS $4.45

Q4 2025

Feb 20, 2026

$170M+9.6%EPS $1.30

Q3 2025

Nov 6, 2025

$165M+13.1%EPS $1.42

Q2 2025

Aug 1, 2025

$157M+10.1%EPS $1.03

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$121M	$90M	$35M
Q2 22	$123M	$70M	$16M
Q3 22	$131M	$72M	$13M
Q4 22	$132M	$56M	$1M
Q1 23	$135M	$71M	$12M
Q2 23	$133M	$65M	$8M
Q3 23	$141M	$73M	$11M
Q4 23	$142M	$55M	-$10M
Q1 24	$144M	$80M	$20M
Q2 24	$143M	$71M	$11M
Q3 24	$146M	$73M	$10M
Q4 24	$155M	$77M	$13M
Q1 25	$153M	$75M	$9M
Q2 25	$157M	$76M	$13M
Q3 25	$165M	$83M	$19M
Q4 25	$170M	$103M	$39M

Valuation

Quarter	P/S	P/E
Q1 22	1.0x	5.0x
Q2 22	0.8x	4.5x
Q3 22	0.5x	3.8x
Q4 22	0.6x	5.5x
Q1 23	0.5x	7.4x
Q2 23	0.5x	10.6x
Q3 23	0.5x	9.9x
Q4 23	0.4x	14.9x
Q1 24	0.4x	10.3x
Q2 24	0.5x	11.0x
Q3 24	0.6x	13.4x
Q4 24	0.6x	7.9x
Q1 25	0.5x	8.7x
Q2 25	0.4x	7.9x
Q3 25	0.6x	9.1x
Q4 25	0.6x	8.3x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$46M	$44M
Q2 22	$64M	$61M
Q3 22	$55M	$52M
Q4 22	$60M	$57M
Q1 23	$53M	$51M
Q2 23	$62M	$59M
Q3 23	$68M	$65M
Q4 23	$67M	$64M
Q1 24	$58M	$55M
Q2 24	$71M	$70M
Q3 24	$75M	$74M
Q4 24	$64M	$60M
Q1 25	$64M	$62M
Q2 25	$79M	$75M
Q3 25	$87M	$83M
Q4 25	$80M	$79M

Capital Expenditures

Quarter	CapEx
Q1 22	$2M
Q2 22	$2M
Q3 22	$2M
Q4 22	$3M
Q1 23	$2M
Q2 23	$3M
Q3 23	$3M
Q4 23	$3M
Q1 24	$4M
Q2 24	$1M
Q3 24	$1M
Q4 24	$4M
Q1 25	$1M
Q2 25	$4M
Q3 25	$4M
Q4 25	$1M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+23.7%	+33.5%
Q2 22	+23.3%	+43.3%
Q3 22	+17.9%	+42.9%
Q4 22	+10.5%	+38.9%
Q1 23	+12.0%	+44.1%
Q2 23	+8.6%	+17.4%
Q3 23	+7.2%	+10.1%
Q4 23	+7.3%	+15.6%
Q1 24	+6.6%	+0.5%
Q2 24	+7.1%	+4.9%
Q3 24	+3.9%	+4.8%
Q4 24	+9.3%	-6.0%
Q1 25	+6.0%	+15.6%
Q2 25	+10.1%	+9.2%
Q3 25	+13.1%	+7.6%
Q4 25	+9.6%	-7.8%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$2M	1.7%
Q2 22	$3M	2.2%
Q3 22	$3M	2.5%
Q4 22	$3M	2.0%
Q1 23	$2M	1.6%
Q2 23	$2M	1.8%
Q3 23	$3M	2.4%
Q4 23	$4M	2.8%
Q1 24	$2M	1.3%
Q2 24	$3M	2.3%
Q3 24	$4M	2.5%
Q4 24	$2M	1.5%
Q1 25	$4M	2.3%
Q2 25	$3M	1.8%
Q3 25	$3M	1.7%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$46M	$3M
Q2 22	$44M	$4M
Q3 22	$48M	$4M
Q4 22	$45M	$4M
Q1 23	$50M	$3M
Q2 23	$47M	$4M
Q3 23	$52M	$4M
Q4 23	$54M	$4M
Q1 24	$50M	$4M
Q2 24	$49M	$5M
Q3 24	$51M	$5M
Q4 24	$53M	$5M
Q1 25	$54M	$5M
Q2 25	$51M	$5M
Q3 25	$53M	$4M
Q4 25	$65M	$4M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$18M	$0	$18M
Q2 22	$8M	$0	$8M
Q3 22	$3M	$0	$3M
Q4 22	$4M	$0	$4M
Q1 23	$7M	$0	$7M
Q2 23	$10M	$0	$10M
Q3 23	$7M	$0	$7M
Q4 23	$5M	$0	$5M
Q1 24	$4M	$0	$4M
Q2 24	$4M	$0	$4M
Q3 24	$5M	$0	$5M
Q4 24	$4M	$0	$4M
Q1 25	$4M	$0	$4M
Q2 25	$4M	$0	$4M
Q3 25	$4M	$0	$4M
Q4 25	$98M	$0	$98M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	10M	-1.5%	-9.4%
Q2 22	10M	-3.5%	-10.4%
Q3 22	10M	-1.5%	-9.7%
Q4 22	9M	-1.2%	-7.5%
Q1 23	10M	+2.2%	-4.0%
Q2 23	10M	-0.6%	-1.1%
Q3 23	10M	+0.9%	+1.3%
Q4 23	9M	-2.2%	+0.3%
Q1 24	10M	+3.3%	+1.3%
Q2 24	10M	+1.2%	+3.1%
Q3 24	10M	+2.3%	+4.6%
Q4 24	10M	0.0%	+6.9%
Q1 25	10M	-0.6%	+2.9%
Q2 25	10M	-1.8%	-0.2%
Q3 25	10M	+2.9%	+0.4%
Q4 25	10M	-2.0%	-1.6%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$71.5K	2K
Q2 22	$72.7K	2K
Q3 22	$77.7K	2K
Q4 22	$66.3K	2K
Q1 23	$68.0K	2K
Q2 23	$67.0K	2K
Q3 23	$70.8K	2K
Q4 23	$68.1K	2K
Q1 24	$69.3K	2K
Q2 24	$68.7K	2K
Q3 24	$70.3K	2K
Q4 24	$72.7K	2K
Q1 25	$71.8K	2K
Q2 25	$73.9K	2K
Q3 25	$77.7K	2K
Q4 25	$80.3K	2K

Revenue / Employee