Regional Management Corp.

Listed Company

RMCIK 0001519401NYSEAcceleratedPersonal Credit InstitutionsDelawareFY ends Dec 31

Period

FY 2025

Revenue

$645.60M

Net Income

$44.41M

Total Assets

$2.10B

Equity

$373.09M

Shares Out

9.40M

Op. Cash Flow

$309.07M

Business

Regional Management Corp. is a diversified consumer finance company that provides fixed-rate, fixed-term installment loans primarily to customers with limited access to traditional credit. It offers large and small installment loans secured typically by household goods or vehicles, complemented by optional payment and collateral protection insurance and ancillary membership products. The company operates through an integrated branch model with centralized sales, underwriting, servicing, collections, and administrative support alongside a captive reinsurance entity. It distributes products via an omni-channel platform that includes branch locations, direct mail, digital partners, and a consumer website across multiple U.S. states.

Summary from filing dated 2025-02-21

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fee income	579	529	490	451	383
Insurance income, net	46	41	45	44	35
Other income	21	19	17	13	10
Total revenue	646	589	551	507	428
Provision for credit losses	245	212	220	185	89
Personnel	160	154	157	141	120
Occupancy	28	26	25	24	24
Marketing	19	19	16	15	14
Other	51	49	45	42	37
Total general and administrative expenses	258	248	243	223	196
Interest expense	85	75	67	34	31
Income before income taxes	58	54	21	65	112
Income taxes	13	13	5	14	24
Net income	44	41	16	51	89
Basic (per share)	4.71	4.28	1.7	5.51	8.84
Diluted (per share)	4.45	4.14	1.66	5.3	8.33
Basic (shares)	9	10	9	9	10
Diluted (shares)	10	10	10	10	11
Unrealized income (loss) on restricted AFS investments	−81,000	531,000	271,000	−742,000	—
Income taxes on unrealized items	17,000	−112,000	−57,000	156,000	—
Unrealized other comprehensive income (loss), net of tax	−64,000	419,000	214,000	−586,000	—
Net realized loss on restricted AFS investments	—	20,000	—	—	—
Income taxes on realized items	—	−5,000	—	—	—
Reclassification adjustments included in net income, net of tax	—	15,000	—	—	—
Other comprehensive income (loss), net of tax	−64,000	434,000	214,000	—	—
Total comprehensive income	44	42	16	51	89

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash	4	4	5	4	11
Net finance receivables	2,140	1,893	1,771	1,699	—
Unearned insurance premiums	−53	−48	−48	−51	−48
Allowance for credit losses	−221	−200	−187	−179	−159
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,866	1,645	1,536	—	—
Restricted cash	94	132	124	128	139
Lease assets	44	38	34	35	29
Intangible assets	32	25	16	12	10
Restricted AFS investments	24	22	23	20	—
Property and equipment	13	14	14	15	13
Deferred tax assets, net	—	9	14	14	18
Other assets	27	21	29	28	22
Total assets	2,104	1,909	1,800	1,725	1,460
Debt	1,651	1,478	1,400	1,355	1,108
Unamortized debt issuance costs	−9	−6	−5	−10	−11
Net debt	1,642	1,472	1,395	1,346	1,097
Lease liabilities	46	41	37	37	31
Deferred tax liability, net	3	—	—	—	—
Accounts payable and accrued expenses	39	39	40	34	49
Total liabilities	1,731	1,552	1,472	1,416	1,177
Commitments and contingencies (Notes 17)	—	—	—	—	—
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)	—	—	—	—	—
Common stock ($0.10 par value, 1,000,000 shares authorized, 15,168 shares issued and 9,554 shares outstanding at December 31, 2025 and 14,921 shares issued and 10,010 shares outstanding at December 31, 2024)	2	1	1	1	1
Additional paid-in capital	139	131	122	112	105
Retained earnings	411	378	350	346	306
Accumulated other comprehensive income (loss)	−2,000	62,000	−372,000	−586,000	—
Treasury stock (5,614 shares at December 31, 2025 and 4,911 shares at December 31, 2024)	−178	−154	−150	−150	−130
Total stockholders equity	373	357	322	309	283
Total liabilities and stockholders equity	2,104	1,909	1,795	1,725	1,460

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net income	44	41	16	51	89
Depreciation and amortization	16	14	15	13	12
Amortization of deferred originations fees and costs	−16	−16	−15	−16	−16
Loss on disposal of intangibles, property, and equipment	331,000	407,000	867,000	—	—
Loss on sale of restricted AFS investments	—	20,000	—	—	—
Share-based compensation	12	11	12	11	7
Deferred income taxes, net	13	4	112,000	5	−4
Increase (decrease) in unearned insurance premiums	5	176,000	−3	3	13
(Increase) decrease in lease assets	−5	−4	218,000	−6	−2
(Increase) decrease in other assets	−10	3	−4	−13	−8
Increase (decrease) in accounts payable and accrued expenses	−887,000	−1	8	−15	10
Increase (decrease) in lease liabilities	5	4	−136,000	6	1
Net cash provided by operating activities	309	269	249	224	189
Originations of finance receivables	−1,968	−1,655	−1,545	−1,644	−1,453
Repayments of finance receivables	1,516	1,355	1,280	1,228	1,104
Purchases of intangible assets	−12	−12	−7	−6	−3
Purchases of property and equipment	−5	−5	−5	−6	−4
Purchases of restricted AFS investments	−42	−25	−6	−24	—
Proceeds from sale of restricted AFS investments	—	2	—	3	—
Proceeds from maturities of restricted AFS investments	40	25	4	—	—
Net cash used in investing activities	−471	−315	−279	−447	−355
Advances on revolving credit facilities	1,792	1,765	1,645	1,832	1,902
Payments on revolving credit facilities	−1,838	−1,695	−1,567	−1,911	−1,986
Advances on securitizations	518	437	—	434	574
Payments on securitizations	−300	−429	−35	−109	−151
Payments for debt issuance costs	−8	−7	−3	−6	−9
Taxes paid related to net share settlement of equity awards	−4	−2	−3	−3	−10
Cash dividends	−11	−12	−12	−11	−10
Repurchases of common stock	−24	−4	—	−21	−67
Proceeds from exercise of stock options	—	—	289,000	—	—
Net cash provided by financing activities	124	53	26	206	243
Net change in cash and restricted cash	−38	7	−3	−17	77
Interest paid	78	69	60	40	29
Income taxes paid	6	3	3	27	23
Operating leases paid	13	12	10	9	10
Non-cash lease assets obtained in exchange for operating lease liabilities	16	13	8	13	10

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