CompanyGraph
Regional Management Corp.
RM · NYSE Arca · United States
regionalmanagement.comFinancials as of FY2025
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleRevenue is $638.78M, above the global median of $520.53M
- FinancialsHigh earnings quality
- Interpretations4 currently firing — 1 · 3
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
2.87%Below 5Y avg (3.48%)
Annual Rate
USD 1.20Paid quarterly
Payout Ratio
24.3%Sustainable
Paying Dividends
7 yr
Payback Period
28.6 yr
Last Ex-Dividend
May 20, 2026
Last Payment
Jun 10, 2026
Screen for this company's dividend patterns
Find other companies where the same dividend readings fire.
Long Dividend Streak With Three-Year FCF Coverage
→dividend consistency
dividend coverage and payment stability
ratio cashflow fcf conversion
1 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company return capital?
Long Dividend Streak With Three-Year FCF Coverage
Years of uninterrupted dividends, covered by free cash flow on a three-year average.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
383.61MUSDvs all stocks (USD)
Trailing P/E
8.45xvs Credit Services peers
Revenue (TTM)
638.78MUSDvs all stocks (USD)
Profit Margin
7.64%vs Credit Services peers
Beta
1.00xvs all stocks
52-Week Change
29.46%vs all stocks
Forward Annual Dividend Yield
2.87%vs all stocks
Market Capitalization
383.61MUSDvs all stocks (USD)
Enterprise Value
2.04BUSDvs all stocks (USD)
Trailing P/E
8.45xvs Credit Services peers
Forward P/E
5.66xvs Credit Services peers
PEG Ratio
0.1210xvs Credit Services peers
Price to Sales (TTM)
0.6005xvs Credit Services peers
Price to Book (MRQ)
1.04xvs Credit Services peers
Enterprise to Revenue
3.19xvs Credit Services peers
Enterprise to EBITDA
12.08xvs Credit Services peers
Profit Margin
7.64%vs Credit Services peers
Operating Margin
23.29%vs Credit Services peers
Return on Assets (TTM)
4.76%vs Credit Services peers
Return on Equity (TTM)
13.30%vs Credit Services peers
Revenue (TTM)
638.78MUSDvs all stocks (USD)
Revenue per Share (TTM)
68.57USDUpdated Jul 19, 2026Quarterly Revenue Growth
9.60%vs Credit Services peers
Gross Profit (TTM)
386.47MUSDvs all stocks (USD)
EBITDA (TTM)
168.83MUSDvs all stocks (USD)
Net Income (TTM)
48.81MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
62.70%vs Credit Services peers
Operating Cash Flow (TTM)
326.41MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
-112.62MUSDvs all stocks (USD)
Forward Annual Dividend Rate
1.20USDUpdated Jul 19, 2026Forward Annual Dividend Yield
2.87%vs all stocks
Trailing Annual Dividend Rate
1.20USDUpdated Jul 19, 2026Trailing Annual Dividend Yield
2.87%vs all stocks
5-Year Average Dividend Yield
3.48%vs all stocks
Payout Ratio
24.34%vs Credit Services peers
Revenue
560.78MUSDFY2025 · Dec 31, 2025Pre-tax Income
57.78MUSDFY2025 · Dec 31, 2025Income Tax Expense
13.37MUSDFY2025 · Dec 31, 2025Net Income
44.41MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
229.37MUSDFY2025 · Dec 31, 2025EPS (Basic)
4.71USDFY2025 · Dec 31, 2025EPS (Diluted)
4.45USDFY2025 · Dec 31, 2025Basic Shares Outstanding
9.43MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
9.43MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
44.41MUSDFY2025 · Dec 31, 2025Operating Cash Flow
79.91MUSDFY2025 · Dec 31, 2025Free Cash Flow
75.15MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
98.00MUSDFY2025 · Dec 31, 2025Income Tax Paid
6.11MUSDFY2025 · Dec 31, 2025Interest Paid
78.40MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
44.41MUSDFY2025 · Dec 31, 2025Depreciation & Amortization
16.25MUSDFY2025 · Dec 31, 2025Deferred Taxes (CF)
12.65MUSDFY2025 · Dec 31, 2025Stock-based Compensation
11.87MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-5.26MUSDFY2025 · Dec 31, 2025Capital Expenditures
-4.76MUSDFY2025 · Dec 31, 2025Net Intangibles (CF)
-12.31MUSDFY2025 · Dec 31, 2025Other Investing Activity
-2.13MUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
-6.89MUSDFY2025 · Dec 31, 2025Long-term Debt Issuance
2.31BUSDFY2025 · Dec 31, 2025Long-term Debt Payments
-2.14BUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-23.98MUSDFY2025 · Dec 31, 2025Common Dividends Paid
-11.48MUSDFY2025 · Dec 31, 2025Other Financing Charges
-12.24MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
124.47MUSDFY2025 · Dec 31, 2025Shares Outstanding
9.34MSharesUpdated Jul 19, 2026Float Shares
6.53MSharesUpdated Jul 19, 2026Shares Short
412.27KSharesUpdated Jul 19, 2026Short Ratio
6.81daysvs all stocks
Short % of Shares Outstanding
5.60%vs all stocks
% Held by Insiders
10.02%vs all stocks
% Held by Institutions
88.89%vs all stocks
Total Cash (MRQ)
4.86MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
0.5280USDUpdated Jul 19, 2026Total Debt (MRQ)
1.66BUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
4.42xvs Credit Services peers
Current Ratio (MRQ)
40.70xvs Credit Services peers
Book Value per Share (MRQ)
40.25USDUpdated Jul 19, 2026Total Assets
2.10BUSDvs all stocks (USD)
Total Liabilities
1.73BUSDFY2025 · Dec 31, 2025Cash
3.82MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
3.82MUSDFY2025 · Dec 31, 2025Short-term Debt
268.44MUSDFY2025 · Dec 31, 2025Long-term Debt
1.42BUSDFY2025 · Dec 31, 2025Common Stock (Book)
1.52MUSDFY2025 · Dec 31, 2025Retained Earnings
410.72MUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
373.09MUSDvs all stocks (USD)
Treasury Stock
177.81MUSDFY2025 · Dec 31, 202552-Week Low
30.46USDUpdated Jul 19, 202652-Week High
46.00USDUpdated Jul 19, 202652-Week Change
29.46%vs all stocks
Beta
1.00xvs all stocks
50-Day MA
37.83USDUpdated Jul 19, 2026200-Day MA
37.09USDUpdated Jul 19, 2026Avg 10-Day Volume
77.93KSharesUpdated Jul 19, 2026Avg 30-Day Volume
68.98KSharesUpdated Jul 19, 2026Diluted EPS (TTM)
4.93USDUpdated Jul 19, 20263 interpretations currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsIs this company financially stable?
Debt Financing Activity
More cash moved through borrowing and repaying than through the business itself, and most of its debt is long-term.
Reads
How is this stock valued?
Close Below 40W SMA With Profitability
The price sits below its 40-week average, on three profitable years and cash above profit.
Reads
Price Below Mean With Profitability And Book Value
Price sits well below its yearly mean, on three profitable years and rising book value.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
High earnings qualityNotable
Earnings Quality Score: 1.30
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Revenue is $638.78M, above the global median of $520.53MNotable
Revenue (USD): 638,777,984Global Median: 520,528,949.311
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