RMNYSEPersonal Credit InstitutionsFiscal year ends December 31
Regional Management Corp.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 31, 2026
$34.04−0.33 (-0.96%)
Close on Oct 19, 2026
- Market cap
- $326.92M
- P/E (TTM)
- 7.2
- Dividend yield
- 3.53%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
6.9%−0.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.7% | +8.4% | +11.5% | +11.5% | |
| Net income | +7.7% | -4.6% | +10.7% | +6.6% | |
| EPS, diluted | +7.5% | -5.7% | +13.1% | +9.5% | |
| Free cash flow | +15.3% | +11.7% | +13.6% | +14.3% | |
| Dividend per share | 0.0% | 0.0% | +43.1% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 11.6% | 9.3% | 12.2% | |
| Return on assets | 3.6% | 2.4% | 2.2% | |
| Capex to revenue | 2.7% | 1.1% | 0.7% | |
| Diluted shares | 12M | 11M | 10M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Regional Management generated $1.24B from operations and spent $139.55M on capital expenditure, dividends and share buybacks. 17% of that went back into the business.
Generated
$1.24B
Used
$139.55M
Capital expenditure$23.97M17%Dividends$00%Share buybacks$115.58M83%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin6.9%
×Asset turnover0.32×
×Equity multiplier5.50×
=Return on equity, FY202512.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 6.9% | 0.32× | 5.50× | 12.2% |
| FY2024 | 7.0% | 0.32× | 5.45× | 12.1% |
| FY2023 | 2.9% | 0.31× | 5.58× | 5.1% |
| FY2022 | 10.1% | 0.32× | 5.39× | 17.3% |
| FY2021 | 20.7% | 0.33× | 4.62× | 32.0% |
| FY2020 | 7.1% | 0.33× | 3.94× | 9.3% |
| FY2019 | 12.6% | 0.34× | 3.63× | 15.4% |
| FY2018 | 11.5% | 0.34× | 3.44× | 13.6% |
| FY2017 | 11.0% | 0.35× | 3.45× | 13.4% |
| FY2016 | 10.0% | 0.36× | 3.24× | 11.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$44.41M
- Cash generatingOperating cash flow above zero$309.07M
- Return on assets improvedROA up on the prior year2.3% → 2.3%
- Earnings backed by cashOperating cash flow above net income$309.07M vs $44.41M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise10M → 10M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.33 → 0.34