Regional Management (RM) Financial Statements & Analysis

Regional Management (RM) Income Statement

Regional Management reported revenue of $624.52M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 9.6% from $569.59M a year earlier. Net income was $44.41M, up 7.7% year over year, a net margin of 7.1%. Gross margin was 60.7% and operating margin 22.8%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $161.25M, up 6.0% from the same quarter a year earlier.

Regional Management Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Regional Management Corp. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	624.52	569.59	534.23	507.19	418.03	373.91	355.71	306.71	272.46
Cost of Revenue	245.43	212.20	220.03	219.34	89.02	161.66	139.74	120.52	101.25
Gross Profit	379.09	357.39	314.19	287.85	329.01	212.24	215.98	186.19	171.21
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	257.58	247.70	243.12	198.72	195.51	153.69	134.41	119.42	109.43
Operating Expenses	236.50	228.78	225.95	222.53	185.19	176.32	156.98	140.28	130.96
Operating Income	142.59	128.61	88.25	65.32	143.82	35.93	58.99	45.90	40.26
Other Income/Expense
Interest Income	578.95	528.89	489.70	450.85	382.54	335.22	321.17	280.12	249.03
Interest Expense	-84.81	-74.53	-67.46	34.22	-31.35	37.85	40.13	33.46	23.91
Other Income/Expense	-22.58	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	57.78	54.08	20.78	65.32	112.47	35.93	58.99	45.90	40.26
Income Tax Expense	13.37	12.85	4.83	14.10	23.79	9.20	14.26	10.56	10.29
Net Income	44.41	41.23	15.96	51.22	88.69	26.73	44.73	35.35	29.96
Net Income - Continuous Operations	44.41	41.23	15.96	51.22	88.69	26.73	44.73	35.35	29.96
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	158.84	142.68	102.88	78.01	155.48	49.24	69.85	54.71	47.61
EBIT	142.59	128.61	88.25	99.54	143.82	-	-	-	-
Depreciation & Amortization	16.25	14.07	14.63	12.69	11.65	13.31	10.86	8.80	7.36
Earnings Per Share
Basic EPS	5.00	4.00	2.00	6.00	9.00	2.00	4.00	3.00	3.00
Diluted EPS	4.00	4.00	2.00	5.00	9.00	2.00	4.00	3.00	3.00
Basic Shares Outstanding	9.43	9.64	9.40	9.30	10.03	10.93	11.40	11.66	11.55
Diluted Shares Outstanding	9.98	9.96	9.59	9.66	10.64	11.15	11.77	12.08	11.78

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Regional Management Financial Statements

What was Regional Management's revenue in fiscal 2025?

Regional Management reported revenue of $624.52M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 9.6% from $569.59M a year earlier.

Is Regional Management profitable?

Yes. Regional Management earned net income of $44.41M in fiscal 2025, a net margin of 7.1%. In fiscal 2024 it earned $41.23M.

What is Regional Management's operating margin?

Regional Management's operating income was $142.59M on revenue of $624.52M in fiscal 2025, an operating margin of 22.8%, compared with 22.6% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition