Regional Management (RM) Financials

$31.20 +0.49 (+1.60%)

Closing price 03:59 PM Eastern

Extended Trading

$31.36 +0.15 (+0.49%)

As of 04:14 PM Eastern

Annual Income Statements for Regional Management

This table shows Regional Management's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	51	16	41
Consolidated Net Income / (Loss)	51	16	41
Net Income / (Loss) Continuing Operations	51	16	41
Total Pre-Tax Income	65	21	54
Total Operating Income	100	88	129
Total Gross Profit	181	174	223
Total Revenue	507	551	589
Operating Revenue	507	551	589
Total Cost of Revenue	326	377	366
Operating Cost of Revenue	141	157	154
Other Cost of Revenue	185	220	212
Total Operating Expenses	81	86	94
Selling, General & Admin Expense	42	45	49
Marketing Expense	15	16	19
Other Operating Expenses / (Income)	24	25	26
Total Other Income / (Expense), net	-34	-67	-75
Interest & Investment Income	-34	-67	-75
Other Income / (Expense), net	0.00	0.00	0.02
Income Tax Expense	14	4.83	13
Other Adjustments to Consolidated Net Income / (Loss)	0.00	0.00	-0.01
Basic Earnings per Share	$5.51	$1.70	$4.28
Weighted Average Basic Shares Outstanding	9.30M	9.40M	9.64M
Diluted Earnings per Share	$5.30	$1.66	$4.14
Weighted Average Diluted Shares Outstanding	9.66M	9.59M	9.96M
Weighted Average Basic & Diluted Shares Outstanding	9.52M	9.76M	9.83M
Cash Dividends to Common per Share	$1.20	$1.20	$1.20

This table shows Regional Management's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	9.61	2.85	8.90	6.02	8.82	-7.78	15	8.45	7.66	9.76
Consolidated Net Income / (Loss)	10	2.39	8.69	6.02	8.82	-7.57	15	8.45	7.66	9.91
Net Income / (Loss) Continuing Operations	10	2.39	8.69	6.02	8.82	-7.57	15	8.45	7.66	9.91
Total Pre-Tax Income	13	1.23	12	7.81	11	-9.53	20	11	10	13
Total Operating Income	25	16	28	24	28	7.98	37	29	30	33
Total Gross Profit	46	37	49	45	50	31	60	52	54	57
Total Revenue	131	132	135	133	141	142	144	143	146	155
Operating Revenue	131	132	135	133	141	142	144	143	146	155
Total Cost of Revenue	85	95	86	89	91	111	84	91	93	98
Operating Cost of Revenue	37	35	39	36	40	42	38	37	38	41
Other Cost of Revenue	48	61	48	53	51	69	46	54	54	58
Total Operating Expenses	21	20	21	20	22	23	23	23	24	24
Selling, General & Admin Expense	11	10	11	10	12	12	12	12	13	13
Marketing Expense	3.94	4.24	3.38	3.84	4.08	4.47	4.32	4.84	5.08	4.78
Other Operating Expenses / (Income)	5.85	6.00	6.29	6.16	6.32	6.27	6.38	6.15	6.55	6.75
Total Other Income / (Expense), net	-12	-15	-17	-16	-17	-18	-18	-18	-19	-20
Interest & Investment Income	-12	-15	-17	-16	-17	-18	-18	-18	-19	-20
Income Tax Expense	3.29	-1.16	2.92	1.79	2.08	-1.96	4.73	2.78	2.50	2.84
Basic Earnings per Share	$1.09	$0.32	$0.93	$0.64	$0.94	($0.81)	$1.59	$0.88	$0.79	$1.02
Weighted Average Basic Shares Outstanding	9.20M	9.30M	9.33M	9.40M	9.43M	9.40M	9.57M	9.61M	9.68M	9.64M
Diluted Earnings per Share	$1.06	$0.33	$0.90	$0.63	$0.91	($0.78)	$1.56	$0.86	$0.76	$0.96
Weighted Average Diluted Shares Outstanding	9.53M	9.66M	9.62M	9.57M	9.65M	9.59M	9.75M	9.86M	10.09M	9.96M
Weighted Average Basic & Diluted Shares Outstanding	9.59M	9.52M	9.64M	9.84M	9.83M	9.76M	9.90M	10.16M	10.16M	9.83M

This table details how cash moves in and out of Regional Management's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-17	-3.13	6.96
Net Cash From Operating Activities	224	249	269
Net Cash From Continuing Operating Activities	225	249	269
Net Income / (Loss) Continuing Operations	51	16	41
Consolidated Net Income / (Loss)	51	16	41
Depreciation Expense	13	15	14
Amortization Expense	-16	-15	-16
Non-Cash Adjustments To Reconcile Net Income	199	230	220
Changes in Operating Assets and Liabilities, net	-22	3.46	9.41
Net Cash From Investing Activities	-447	-279	-315
Net Cash From Continuing Investing Activities	-447	-279	-315
Purchase of Property, Plant & Equipment	-5.87	-4.69	-5.05
Acquisitions	-5.53	-7.38	-12
Purchase of Investments	-24	-5.90	-25
Sale and/or Maturity of Investments	3.13	4.06	27
Other Investing Activities, net	-415	-265	-299
Net Cash From Financing Activities	206	26	53
Net Cash From Continuing Financing Activities	206	26	53
Repayment of Debt	-2,026	-1,604	-2,131
Repurchase of Common Equity	-21	0.00	-3.54
Payment of Dividends	-11	-12	-12
Issuance of Debt	2,266	1,645	2,202
Other Financing Activities, net	-2.99	-2.63	-2.45
Cash Interest Paid	40	60	69
Cash Income Taxes Paid	27	3.05	2.73

This table details how cash moves in and out of Regional Management's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-36	15	2.49	7.18	-17	4.23	-6.26	21	-23	15
Net Cash From Operating Activities	55	60	53	62	68	67	58	71	75	64
Net Cash From Continuing Operating Activities	55	61	53	62	68	67	58	71	75	64
Net Income / (Loss) Continuing Operations	10	2.39	8.69	6.02	8.82	-7.57	15	8.45	7.66	9.91
Consolidated Net Income / (Loss)	10	2.39	8.69	6.02	8.82	-7.57	15	8.45	7.66	9.91
Depreciation Expense	2.92	3.54	4.08	3.57	3.56	3.43	3.50	3.38	3.58	3.61
Amortization Expense	-4.12	-3.84	-3.78	-3.47	-3.75	-3.65	-3.87	-3.70	-3.93	-4.10
Non-Cash Adjustments To Reconcile Net Income	52	64	48	55	55	72	47	56	56	60
Changes in Operating Assets and Liabilities, net	-6.43	-5.34	-4.36	1.30	4.22	2.30	-3.51	7.57	11	-5.96
Net Cash From Investing Activities	-134	-152	-20	-65	-109	-85	-20	-64	-112	-119
Net Cash From Continuing Investing Activities	-134	-152	-20	-65	-109	-85	-20	-64	-112	-119
Purchase of Property, Plant & Equipment	-0.64	-3.23	-1.65	-1.15	-0.84	-1.06	-1.03	-1.21	-1.30	-1.52
Acquisitions	-1.72	-1.64	-1.73	-1.90	-1.99	-1.75	-2.60	-3.02	-4.08	-2.64
Purchase of Investments	-24	-	-1.90	-	-4.00	-	-3.83	-	-19	-2.21
Sale and/or Maturity of Investments	3.13	-	0.00	2.12	1.94	-	4.11	21	-	2.21
Other Investing Activities, net	-111	-147	-15	-64	-104	-82	-17	-81	-87	-115
Net Cash From Financing Activities	43	106	-30	9.67	25	22	-44	14	14	70
Net Cash From Continuing Financing Activities	43	106	-30	9.53	25	22	-44	14	14	70
Repayment of Debt	-424	-541	-435	-400	-394	-375	-401	-577	-416	-737
Repurchase of Common Equity	-	-	0.00	-	-	-	0.00	-	-	-3.54
Payment of Dividends	-2.77	-2.76	-3.12	-3.09	-2.84	-2.84	-3.25	-3.09	-2.90	-2.90
Issuance of Debt	470	652	409	413	422	402	360	594	433	816
Other Financing Activities, net	-0.10	-1.66	0.00	-0.71	-0.04	-1.89	0.15	-0.43	-0.16	-2.00
Cash Interest Paid	10	12	15	14	15	16	16	17	18	18
Cash Income Taxes Paid	4.07	0.20	0.02	1.17	1.60	0.27	-0.97	0.88	2.59	0.23

This table presents Regional Management's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	1,725	1,795	1,909
Total Current Assets	1,601	-107	88
Cash & Equivalents	3.87	4.51	3.95
Restricted Cash	128	124	132
Other Current Assets	-51	-235	-48
Plant, Property, & Equipment, net	15	14	14
Total Noncurrent Assets	1,588	1,892	1,814
Long-Term Investments	20	23	22
Noncurrent Note & Lease Receivables	1,470	1,771	1,893
Goodwill	12	16	25
Noncurrent Deferred & Refundable Income Taxes	14	14	9.29
Other Noncurrent Operating Assets	63	64	-140
Other Noncurrent Nonoperating Assets	9.51	4.58	6.34
Total Liabilities & Shareholders' Equity	1,725	1,795	1,909
Total Liabilities	1,416	1,472	1,552
Total Current Liabilities	34	40	39
Accounts Payable	34	40	39
Total Noncurrent Liabilities	1,392	1,436	1,519
Long-Term Debt	1,355	1,400	1,478
Other Noncurrent Operating Liabilities	37	37	41
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	309	322	357
Total Preferred & Common Equity	309	322	357
Preferred Stock	0.00	0.00	0.00
Total Common Equity	309	322	357
Common Stock	114	123	132
Retained Earnings	346	350	378
Treasury Stock	-150	-150	-154
Accumulated Other Comprehensive Income / (Loss)	-0.59	-0.37	0.06

This table presents Regional Management's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	1,607	1,701	1,724	1,765	1,757	1,789	1,822
Total Current Assets	1,545	1,578	1,600	1,642	1,634	-88	74
Cash & Equivalents	3.14	7.11	10	7.41	4.22	4.32	4.75
Restricted Cash	114	127	131	117	118	139	116
Other Current Assets	-	-49	-49	-49	-46	-231	-47
Plant, Property, & Equipment, net	12	15	15	14	13	13	13
Total Noncurrent Assets	1,427	1,560	1,574	1,632	1,625	1,870	1,739
Long-Term Investments	20	22	20	23	23	2.16	22
Noncurrent Note & Lease Receivables	1,378	1,443	1,458	1,517	1,512	1,774	1,820
Goodwill	11	13	14	15	17	19	22
Noncurrent Deferred & Refundable Income Taxes	17	15	15	14	13	12	12
Other Noncurrent Operating Assets	0.95	58	59	58	56	56	-141
Other Noncurrent Nonoperating Assets	-	8.22	6.92	5.65	3.95	5.62	4.65
Total Liabilities & Shareholders' Equity	1,607	1,701	1,724	1,765	1,757	1,789	1,822
Total Liabilities	1,298	1,384	1,402	1,435	1,420	1,444	1,469
Total Current Liabilities	67	26	27	31	30	34	38
Accounts Payable	34	26	27	31	30	34	38
Total Noncurrent Liabilities	1,222	1,367	1,382	1,410	1,394	1,416	1,435
Long-Term Debt	1,231	1,330	1,345	1,373	1,359	1,378	1,396
Other Noncurrent Operating Liabilities	-9.65	37	37	37	36	37	39
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	308	317	322	331	336	345	353
Total Preferred & Common Equity	308	317	322	331	336	345	353
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	308	317	322	331	336	345	353
Common Stock	113	116	118	121	125	128	131
Retained Earnings	346	351	354	360	362	367	372
Treasury Stock	-150	-150	-150	-150	-150	-150	-150
Accumulated Other Comprehensive Income / (Loss)	-0.46	-0.38	-0.37	-0.40	-0.22	-0.04	-0.09

This table displays calculated financial ratios and metrics derived from Regional Management's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	18.40%	8.72%	6.73%
EBITDA Growth	-31.00%	-8.46%	44.03%
EBIT Growth	-30.79%	-11.35%	45.76%
NOPAT Growth	-31.17%	-13.20%	44.70%
Net Income Growth	-42.24%	-68.85%	158.35%
EPS Growth	-36.37%	-68.68%	149.40%
Operating Cash Flow Growth	18.68%	11.07%	7.93%
Free Cash Flow Firm Growth	-939.58%	189.18%	-100.51%
Invested Capital Growth	139.38%	-47.30%	6.75%
Revenue Q/Q Growth	2.53%	1.78%	2.29%
EBITDA Q/Q Growth	-14.53%	-8.34%	23.67%
EBIT Q/Q Growth	-14.48%	-8.42%	23.65%
NOPAT Q/Q Growth	-13.84%	-14.42%	26.22%
Net Income Q/Q Growth	-26.41%	-38.44%	73.67%
EPS Q/Q Growth	-24.39%	-40.07%	72.50%
Operating Cash Flow Q/Q Growth	1.53%	2.82%	-1.12%
Free Cash Flow Firm Q/Q Growth	-270.80%	841.59%	-100.49%
Invested Capital Q/Q Growth	6.51%	-48.96%	4.34%
Profitability Metrics	-	-	-
Gross Margin	35.65%	31.65%	37.81%
EBITDA Margin	19.00%	16.00%	21.59%
Operating Margin	19.63%	16.00%	21.85%
EBIT Margin	19.63%	16.00%	21.86%
Profit (Net Income) Margin	10.10%	2.89%	7.01%
Tax Burden Percent	78.42%	76.78%	76.24%
Interest Burden Percent	65.62%	23.55%	42.04%
Effective Tax Rate	21.58%	23.22%	23.76%
Return on Invested Capital (ROIC)	3.71%	2.99%	6.06%
ROIC Less NNEP Spread (ROIC-NNEP)	2.22%	0.33%	1.61%
Return on Net Nonoperating Assets (RNNOA)	13.62%	2.07%	6.08%
Return on Equity (ROE)	17.32%	5.06%	12.14%
Cash Return on Invested Capital (CROIC)	-78.43%	64.94%	-0.47%
Operating Return on Assets (OROA)	6.25%	5.01%	6.95%
Return on Assets (ROA)	3.22%	0.91%	2.23%
Return on Common Equity (ROCE)	17.32%	5.06%	12.14%
Return on Equity Simple (ROE_SIMPLE)	16.60%	4.95%	11.55%
Net Operating Profit after Tax (NOPAT)	78	68	98
NOPAT Margin	15.39%	12.29%	16.66%
Net Nonoperating Expense Percent (NNEP)	1.48%	2.65%	4.44%
Return On Investment Capital (ROIC_SIMPLE)	4.69%	3.93%	5.34%
Cost of Revenue to Revenue	64.35%	68.35%	62.19%
SG&A Expenses to Revenue	8.30%	8.24%	8.34%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	16.03%	15.64%	15.96%
Earnings before Interest and Taxes (EBIT)	100	88	129
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	96	88	127
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.79	0.73	0.96
Price to Tangible Book Value (P/TBV)	0.82	0.76	1.03
Price to Revenue (P/Rev)	0.48	0.42	0.58
Price to Earnings (P/E)	4.77	14.68	8.31
Dividend Yield	4.71%	5.04%	3.56%
Earnings Yield	20.95%	6.81%	12.04%
Enterprise Value to Invested Capital (EV/IC)	0.49	0.95	1.00
Enterprise Value to Revenue (EV/Rev)	2.85	2.69	2.83
Enterprise Value to EBITDA (EV/EBITDA)	15.02	16.80	13.09
Enterprise Value to EBIT (EV/EBIT)	14.54	16.80	12.93
Enterprise Value to NOPAT (EV/NOPAT)	18.54	21.88	16.97
Enterprise Value to Operating Cash Flow (EV/OCF)	6.45	5.95	6.19
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	1.01	0.00
Leverage & Solvency	-	-	-
Debt to Equity	4.39	4.34	4.14
Long-Term Debt to Equity	4.39	4.34	4.14
Financial Leverage	6.12	6.19	3.77
Leverage Ratio	5.39	5.58	5.45
Compound Leverage Factor	3.53	1.31	2.29
Debt to Total Capital	81.45%	81.29%	80.55%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	81.45%	81.29%	80.55%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	18.55%	18.71%	19.45%
Debt to EBITDA	14.06	15.86	11.63
Net Debt to EBITDA	12.48	14.15	10.39
Long-Term Debt to EBITDA	14.06	15.86	11.63
Debt to NOPAT	17.36	20.66	15.08
Net Debt to NOPAT	15.41	18.42	13.47
Long-Term Debt to NOPAT	17.36	20.66	15.08
Altman Z-Score	1.96	0.74	0.97
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Current Ratio	47.39	-2.64	2.22
Quick Ratio	45.11	0.11	0.10
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-1,652	1,474	-7.58
Operating Cash Flow to CapEx	3,819.07%	5,310.44%	5,321.07%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.32	0.31	0.32
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	36.93	38.95	42.86
Accounts Payable Turnover	7.86	10.15	9.16
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	46.46	35.95	39.84
Cash Conversion Cycle (CCC)	-46.46	-35.95	-39.84
Capital & Investment Metrics	-	-	-
Invested Capital	2,972	1,566	1,672
Invested Capital Turnover	0.24	0.24	0.36
Increase / (Decrease) in Invested Capital	1,730	-1,406	106
Enterprise Value (EV)	1,448	1,483	1,663
Market Capitalization	244	234	342
Book Value per Share	$32.20	$32.77	$35.13
Tangible Book Value per Share	$30.93	$31.16	$32.72
Total Capital	1,664	1,722	1,835
Total Debt	1,355	1,400	1,478
Total Long-Term Debt	1,355	1,400	1,478
Net Debt	1,203	1,248	1,321
Capital Expenditures (CapEx)	5.87	4.69	5.05
Debt-free, Cash-free Net Working Capital (DFCFNWC)	1,436	-276	-88
Debt-free Net Working Capital (DFNWC)	1,568	-147	48
Net Working Capital (NWC)	1,568	-147	48
Net Nonoperating Expense (NNE)	27	52	57
Net Nonoperating Obligations (NNO)	2,663	1,244	1,315
Total Depreciation and Amortization (D&A)	-3.15	-0.01	-1.54
Debt-free, Cash-free Net Working Capital to Revenue	283.09%	-50.01%	-14.87%
Debt-free Net Working Capital to Revenue	309.08%	-26.67%	8.18%
Net Working Capital to Revenue	309.08%	-26.67%	8.18%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$5.51	$1.70	$4.28
Adjusted Weighted Average Basic Shares Outstanding	9.30M	9.40M	9.64M
Adjusted Diluted Earnings per Share	$5.30	$1.66	$4.14
Adjusted Weighted Average Diluted Shares Outstanding	9.66M	9.59M	9.96M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.52M	9.76M	9.83M
Normalized Net Operating Profit after Tax (NOPAT)	78	68	98
Normalized NOPAT Margin	15.39%	12.29%	16.66%
Pre Tax Income Margin	12.88%	3.77%	9.19%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	22.16%	74.48%	29.45%
Augmented Payout Ratio	62.40%	74.48%	38.04%

This table displays calculated financial ratios and metrics derived from Regional Management's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	17.94%	10.49%	12.02%	8.64%	7.17%	7.30%	6.60%	7.15%	3.88%	9.30%
EBITDA Growth	-34.41%	-50.92%	-16.18%	7.89%	15.17%	-50.83%	29.19%	19.19%	5.49%	313.00%
EBIT Growth	-32.96%	-51.17%	-18.64%	2.94%	10.42%	-50.41%	31.88%	21.01%	6.02%	308.12%
NOPAT Growth	-34.50%	15.61%	-20.51%	4.55%	18.54%	-82.11%	34.36%	18.13%	-1.25%	353.17%
Net Income Growth	-54.69%	-88.49%	-67.56%	-49.73%	-12.40%	-416.77%	74.99%	40.21%	-13.12%	230.90%
EPS Growth	-49.76%	-83.82%	-66.29%	-49.19%	-14.15%	-336.36%	73.33%	36.51%	-16.48%	223.08%
Operating Cash Flow Growth	15.74%	5.96%	14.99%	-2.45%	23.17%	11.36%	11.06%	15.17%	11.21%	-4.56%
Free Cash Flow Firm Growth	60.67%	-592.57%	-441.87%	-438.40%	50.63%	183.06%	93.57%	188.01%	682.84%	-105.69%
Invested Capital Growth	23.79%	139.38%	129.11%	120.54%	9.96%	-47.30%	4.55%	-46.81%	-47.78%	6.75%
Revenue Q/Q Growth	6.98%	0.43%	2.55%	-1.40%	5.54%	0.55%	1.87%	-0.89%	2.32%	5.80%
EBITDA Q/Q Growth	7.32%	-34.23%	81.69%	-15.87%	14.56%	-71.92%	377.34%	-22.38%	1.40%	9.93%
EBIT Q/Q Growth	8.00%	-36.21%	76.46%	-15.32%	15.84%	-71.35%	369.25%	-22.30%	1.49%	10.29%
NOPAT Q/Q Growth	7.27%	64.22%	-31.92%	-12.82%	21.62%	-75.22%	411.36%	-23.35%	1.67%	13.72%
Net Income Q/Q Growth	-15.97%	-76.25%	263.40%	-30.68%	46.44%	-185.87%	300.75%	-44.46%	-9.26%	29.37%
EPS Q/Q Growth	-14.52%	-68.87%	172.73%	-30.00%	44.44%	-185.71%	300.00%	-44.87%	-11.63%	26.32%
Operating Cash Flow Q/Q Growth	-13.82%	9.54%	-12.35%	17.91%	8.82%	-0.97%	-12.59%	22.27%	5.07%	-15.01%
Free Cash Flow Firm Q/Q Growth	-74.34%	-228.53%	4.25%	1.82%	84.01%	652.74%	-107.41%	1,444.22%	5.87%	-105.40%
Invested Capital Q/Q Growth	108.16%	6.51%	-1.59%	1.08%	3.79%	-48.96%	95.25%	-48.58%	1.89%	4.34%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	35.30%	27.69%	36.28%	33.35%	35.57%	21.71%	41.62%	36.45%	36.67%	36.59%
EBITDA Margin	18.26%	11.96%	21.19%	18.08%	19.63%	5.48%	25.68%	20.11%	19.93%	20.71%
Operating Margin	19.18%	12.19%	20.97%	18.01%	19.76%	5.63%	25.94%	20.34%	20.17%	21.03%
EBIT Margin	19.18%	12.19%	20.97%	18.01%	19.76%	5.63%	25.94%	20.34%	20.17%	21.03%
Profit (Net Income) Margin	7.66%	1.81%	6.42%	4.51%	6.26%	-5.35%	10.54%	5.90%	5.24%	6.40%
Tax Burden Percent	75.39%	194.07%	74.87%	77.09%	80.94%	79.46%	76.28%	75.25%	75.39%	77.73%
Interest Burden Percent	52.96%	7.66%	40.88%	32.50%	39.14%	-119.48%	53.24%	38.58%	34.43%	39.17%
Effective Tax Rate	24.61%	-94.07%	25.13%	22.91%	19.06%	0.00%	23.72%	24.75%	24.61%	22.27%
Return on Invested Capital (ROIC)	2.84%	5.69%	3.90%	3.44%	2.96%	0.96%	3.71%	3.85%	3.75%	5.94%
ROIC Less NNEP Spread (ROIC-NNEP)	2.44%	4.10%	3.20%	2.76%	2.43%	0.28%	3.21%	3.16%	3.01%	4.74%
Return on Net Nonoperating Assets (RNNOA)	18.53%	25.12%	18.64%	16.36%	19.87%	1.76%	26.16%	18.29%	17.58%	17.85%
Return on Equity (ROE)	21.37%	30.82%	22.53%	19.80%	22.83%	2.72%	29.86%	22.14%	21.33%	23.79%
Cash Return on Invested Capital (CROIC)	-17.67%	-78.43%	-74.96%	-71.72%	-6.78%	64.94%	-1.94%	64.57%	66.11%	-0.47%
Operating Return on Assets (OROA)	6.50%	3.88%	6.84%	5.86%	6.35%	1.76%	8.41%	6.60%	6.47%	6.68%
Return on Assets (ROA)	2.59%	0.58%	2.09%	1.47%	2.01%	-1.68%	3.41%	1.92%	1.68%	2.03%
Return on Common Equity (ROCE)	21.37%	30.82%	22.53%	19.80%	22.83%	2.72%	29.86%	22.14%	21.33%	23.79%
Return on Equity Simple (ROE_SIMPLE)	22.57%	0.00%	10.46%	8.45%	7.84%	0.00%	6.68%	7.22%	6.73%	0.00%
Net Operating Profit after Tax (NOPAT)	19	31	21	19	23	5.58	29	22	22	25
NOPAT Margin	14.46%	23.65%	15.70%	13.88%	16.00%	3.94%	19.79%	15.30%	15.21%	16.35%
Net Nonoperating Expense Percent (NNEP)	0.40%	1.59%	0.70%	0.68%	0.53%	0.67%	0.50%	0.70%	0.73%	1.20%
Return On Investment Capital (ROIC_SIMPLE)	-	1.88%	-	-	-	0.32%	-	-	-	1.38%
Cost of Revenue to Revenue	64.70%	72.31%	63.72%	66.65%	64.43%	78.29%	58.38%	63.55%	63.33%	63.41%
SG&A Expenses to Revenue	8.67%	7.76%	8.17%	7.85%	8.43%	8.49%	8.27%	8.43%	8.55%	8.12%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	16.12%	15.51%	15.31%	15.34%	15.81%	16.08%	15.68%	16.11%	16.50%	15.56%
Earnings before Interest and Taxes (EBIT)	25	16	28	24	28	7.98	37	29	30	33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	24	16	29	24	28	7.76	37	29	29	32
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.80	0.79	0.73	0.86	0.79	0.73	0.69	0.82	0.94	0.96
Price to Tangible Book Value (P/TBV)	0.83	0.82	0.76	0.90	0.82	0.76	0.73	0.87	1.00	1.03
Price to Revenue (P/Rev)	0.50	0.48	0.44	0.52	0.48	0.42	0.42	0.49	0.58	0.58
Price to Earnings (P/E)	3.56	4.77	7.08	10.37	10.00	14.68	10.31	11.24	13.90	8.31
Dividend Yield	4.48%	4.71%	4.93%	4.17%	4.54%	5.04%	5.06%	4.22%	3.67%	3.56%
Earnings Yield	28.11%	20.95%	14.12%	9.65%	10.00%	6.81%	9.70%	8.89%	7.19%	12.04%
Enterprise Value to Invested Capital (EV/IC)	0.48	0.49	0.48	0.49	0.48	0.95	0.47	0.96	0.99	1.00
Enterprise Value to Revenue (EV/Rev)	2.71	2.85	2.69	2.74	2.74	2.69	2.58	2.66	2.76	2.83
Enterprise Value to EBITDA (EV/EBITDA)	11.88	15.02	15.46	15.77	15.43	16.80	14.98	14.96	15.43	13.09
Enterprise Value to EBIT (EV/EBIT)	11.51	14.54	15.10	15.59	15.42	16.80	14.87	14.80	15.25	12.93
Enterprise Value to NOPAT (EV/NOPAT)	14.79	18.54	19.13	19.51	18.76	21.88	19.27	19.33	20.42	16.97
Enterprise Value to Operating Cash Flow (EV/OCF)	6.07	6.45	6.08	6.36	6.13	5.95	5.68	5.73	5.83	6.19
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	1.01	0.00	1.04	1.03	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	3.99	4.39	4.20	4.18	4.15	4.34	4.04	4.00	3.96	4.14
Long-Term Debt to Equity	3.99	4.39	4.20	4.18	4.15	4.34	4.04	4.00	3.96	4.14
Financial Leverage	7.61	6.12	5.83	5.93	8.17	6.19	8.16	5.80	5.83	3.77
Leverage Ratio	4.98	5.39	5.20	5.28	5.28	5.58	5.29	5.27	5.25	5.45
Compound Leverage Factor	2.64	0.41	2.12	1.71	2.07	-6.67	2.82	2.03	1.81	2.14
Debt to Total Capital	79.97%	81.45%	80.76%	80.71%	80.59%	81.29%	80.15%	79.99%	79.82%	80.55%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	79.97%	81.45%	80.76%	80.71%	80.59%	81.29%	80.15%	79.99%	79.82%	80.55%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	20.03%	18.55%	19.24%	19.29%	19.41%	18.71%	19.85%	20.01%	20.18%	19.45%
Debt to EBITDA	10.92	14.06	14.64	14.52	14.26	15.86	14.06	13.62	13.58	11.63
Net Debt to EBITDA	9.70	12.48	12.91	12.77	12.73	14.15	12.56	12.18	12.20	10.39
Long-Term Debt to EBITDA	10.92	14.06	14.64	14.52	14.26	15.86	14.06	13.62	13.58	11.63
Debt to NOPAT	13.59	17.36	18.11	17.96	17.34	20.66	18.09	17.59	17.97	15.08
Net Debt to NOPAT	12.08	15.41	15.97	15.80	15.48	18.42	16.16	15.74	16.14	13.47
Long-Term Debt to NOPAT	13.59	17.36	18.11	17.96	17.34	20.66	18.09	17.59	17.97	15.08
Altman Z-Score	1.88	1.80	1.85	1.86	1.85	0.59	1.87	0.69	0.81	0.80
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	23.16	47.39	60.55	59.19	53.73	-2.64	54.90	-2.59	1.93	2.22
Quick Ratio	21.45	45.11	57.56	56.15	51.49	0.11	52.46	0.13	0.12	0.10
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-517	-1,699	-1,627	-1,597	-255	1,411	-105	1,406	1,488	-80
Operating Cash Flow to CapEx	8,528.77%	1,859.72%	3,196.66%	5,412.03%	8,089.58%	6,292.85%	5,698.93%	5,913.56%	5,765.08%	4,211.21%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.34	0.32	0.33	0.33	0.32	0.31	0.32	0.32	0.32	0.32
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	39.79	36.93	37.22	38.72	40.85	38.95	39.41	40.56	41.72	42.86
Accounts Payable Turnover	8.39	7.86	9.57	11.56	11.16	10.15	13.43	12.34	11.00	9.16
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	43.49	46.46	38.15	31.56	32.72	35.95	27.17	29.57	33.18	39.84
Cash Conversion Cycle (CCC)	-43.49	-46.46	-38.15	-31.56	-32.72	-35.95	-27.17	-29.57	-33.18	-39.84
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,790	2,972	2,925	2,956	3,068	1,566	3,058	1,572	1,602	1,672
Invested Capital Turnover	0.20	0.24	0.25	0.25	0.19	0.24	0.19	0.25	0.25	0.36
Increase / (Decrease) in Invested Capital	536	1,730	1,648	1,616	278	-1,406	133	-1,384	-1,466	106
Enterprise Value (EV)	1,340	1,448	1,405	1,461	1,486	1,483	1,447	1,515	1,586	1,663
Market Capitalization	246	244	232	278	260	234	233	282	332	342
Book Value per Share	$32.19	$32.20	$33.25	$33.34	$33.61	$32.77	$35.16	$34.85	$34.75	$35.13
Tangible Book Value per Share	$31.01	$30.93	$31.89	$31.89	$32.08	$31.16	$33.35	$32.91	$32.56	$32.72
Total Capital	1,540	1,664	1,646	1,666	1,703	1,722	1,695	1,723	1,749	1,835
Total Debt	1,231	1,355	1,330	1,345	1,373	1,400	1,359	1,378	1,396	1,478
Total Long-Term Debt	1,231	1,355	1,330	1,345	1,373	1,400	1,359	1,378	1,396	1,478
Net Debt	1,094	1,203	1,173	1,183	1,226	1,248	1,214	1,233	1,254	1,321
Capital Expenditures (CapEx)	0.64	3.23	1.65	1.15	0.84	1.06	1.03	1.21	1.30	1.52
Debt-free, Cash-free Net Working Capital (DFCFNWC)	1,361	1,436	1,417	1,431	1,487	-276	1,482	-266	-85	-88
Debt-free Net Working Capital (DFNWC)	1,478	1,568	1,552	1,573	1,611	-147	1,604	-122	36	48
Net Working Capital (NWC)	1,478	1,568	1,552	1,573	1,611	-147	1,604	-122	36	48
Net Nonoperating Expense (NNE)	8.94	29	13	13	14	13	13	13	15	15
Net Nonoperating Obligations (NNO)	2,482	2,663	2,608	2,635	2,737	1,244	2,721	1,227	1,249	1,315
Total Depreciation and Amortization (D&A)	-1.21	-0.30	0.30	0.10	-0.19	-0.21	-0.38	-0.32	-0.35	-0.50
Debt-free, Cash-free Net Working Capital to Revenue	275.16%	283.09%	271.65%	268.90%	274.44%	-50.01%	264.44%	-46.59%	-14.74%	-14.87%
Debt-free Net Working Capital to Revenue	298.81%	309.08%	297.39%	295.48%	297.41%	-26.67%	286.29%	-21.46%	6.17%	8.18%
Net Working Capital to Revenue	298.81%	309.08%	297.39%	295.48%	297.41%	-26.67%	286.29%	-21.46%	6.17%	8.18%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.09	$0.32	$0.93	$0.64	$0.94	($0.81)	$1.59	$0.88	$0.79	$1.02
Adjusted Weighted Average Basic Shares Outstanding	9.20M	9.30M	9.33M	9.40M	9.43M	9.40M	9.57M	9.61M	9.68M	9.64M
Adjusted Diluted Earnings per Share	$1.06	$0.33	$0.90	$0.63	$0.91	($0.78)	$1.56	$0.86	$0.76	$0.96
Adjusted Weighted Average Diluted Shares Outstanding	9.53M	9.66M	9.62M	9.57M	9.65M	9.59M	9.75M	9.86M	10.09M	9.96M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.59M	9.52M	9.64M	9.84M	9.83M	9.76M	9.90M	10.16M	10.16M	9.83M
Normalized Net Operating Profit after Tax (NOPAT)	19	11	21	19	23	5.58	29	22	22	25
Normalized NOPAT Margin	14.46%	8.53%	15.70%	13.88%	16.00%	3.94%	19.79%	15.30%	15.21%	16.35%
Pre Tax Income Margin	10.16%	0.93%	8.57%	5.85%	7.74%	-6.73%	13.81%	7.85%	6.95%	8.24%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	15.75%	22.16%	34.57%	43.21%	45.56%	74.48%	53.49%	48.29%	50.91%	29.45%
Augmented Payout Ratio	61.79%	62.40%	69.53%	43.21%	45.56%	74.48%	53.49%	48.29%	50.91%	38.04%

Frequently Asked Questions About Regional Management's Financials

When does Regional Management's fiscal year end?

According to the most recent income statement we have on file, Regional Management's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Regional Management's net income changed over the last 2 years?

Regional Management's net income appears to be on a downward trend, with a most recent value of $41.23 million in 2024, falling from $51.22 million in 2022. The previous period was $15.96 million in 2023.

What is Regional Management's operating income?

Regional Management's total operating income in 2024 was $128.61 million, based on the following breakdown:

Total Gross Profit: $222.51 million
Total Operating Expenses: $93.91 million

How has Regional Management revenue changed over the last 2 years?

Over the last 2 years, Regional Management's total revenue changed from $507.19 million in 2022 to $588.50 million in 2024, a change of 16.0%.

How much debt does Regional Management have?

Regional Management's total liabilities were at $1.55 billion at the end of 2024, a 5.4% increase from 2023, and a 9.6% increase since 2022.

How much cash does Regional Management have?

In the past 2 years, Regional Management's cash and equivalents has ranged from $3.87 million in 2022 to $4.51 million in 2023, and is currently $3.95 million as of their latest financial filing in 2024.

How has Regional Management's book value per share changed over the last 2 years?

Over the last 2 years, Regional Management's book value per share changed from 32.20 in 2022 to 35.13 in 2024, a change of 9.1%.

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This page (NYSE:RM) was last updated on 4/15/2025 by MarketBeat.com Staff

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Regional Management (RM) Financials

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Regional Management (RM) Financials

Annual Income Statements for Regional Management

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