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 $647.84M, above the global median of $562.3M
- FinancialsHigh earnings quality
- Interpretations3 currently firing — 1 · 2
Sign in to view price data.
Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
3.64%Above 5Y avg (3.35%)
Annual Rate
USD 1.20Paid quarterly
Payout Ratio
25.3%Sustainable
Paying Dividends
7 yr
Payback Period
30.2 yr
Last Ex-Dividend
Aug 19, 2026
Last Payment
Sep 16, 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
303.44MUSDvs all stocks (USD)
Trailing P/E
6.89xvs Credit Services peers
Revenue (TTM)
647.84MUSDvs all stocks (USD)
Profit Margin
7.23%vs Credit Services peers
Beta
1.01xvs all stocks
52-Week Change
-15.75%vs all stocks
Forward Annual Dividend Yield
3.64%vs all stocks
Market Capitalization
303.44MUSDvs all stocks (USD)
Enterprise Value
2.01BUSDvs all stocks (USD)
Trailing P/E
6.89xvs Credit Services peers
Forward P/E
5.56xvs Credit Services peers
PEG Ratio
-0.4609xvs Credit Services peers
Price to Sales (TTM)
0.4662xvs Credit Services peers
Price to Book (MRQ)
0.8083xvs Credit Services peers
Enterprise to Revenue
3.11xvs Credit Services peers
Enterprise to EBITDA
11.88xvs Credit Services peers
Profit Margin
7.23%vs Credit Services peers
Operating Margin
20.81%vs Credit Services peers
Return on Assets (TTM)
4.61%vs Credit Services peers
Return on Equity (TTM)
12.63%vs Credit Services peers
Revenue (TTM)
647.84MUSDvs all stocks (USD)
Revenue per Share (TTM)
70.51USDUpdated Oct 28, 2026Quarterly Revenue Growth
6.00%vs Credit Services peers
Gross Profit (TTM)
387.11MUSDvs all stocks (USD)
EBITDA (TTM)
169.45MUSDvs all stocks (USD)
Net Income (TTM)
46.82MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
-19.60%vs Credit Services peers
Operating Cash Flow (TTM)
328.51MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
-136.66MUSDvs all stocks (USD)
Forward Annual Dividend Rate
1.20USDUpdated Oct 28, 2026Forward Annual Dividend Yield
3.64%vs all stocks
Trailing Annual Dividend Rate
1.20USDUpdated Oct 28, 2026Trailing Annual Dividend Yield
3.64%vs all stocks
5-Year Average Dividend Yield
3.35%vs all stocks
Payout Ratio
25.26%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 Oct 28, 2026Float Shares
6.53MSharesUpdated Oct 28, 2026Shares Short
344.23KSharesUpdated Oct 28, 2026Short Ratio
5.14daysvs all stocks
Short % of Shares Outstanding
4.67%vs all stocks
% Held by Insiders
10.10%vs all stocks
% Held by Institutions
90.66%vs all stocks
Total Cash (MRQ)
6.80MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
0.7370USDUpdated Oct 28, 2026Total Debt (MRQ)
1.72BUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
4.54xvs Credit Services peers
Current Ratio (MRQ)
64.04xvs Credit Services peers
Book Value per Share (MRQ)
40.51USDUpdated Oct 28, 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
29.89USDUpdated Oct 28, 202652-Week High
44.30USDUpdated Oct 28, 202652-Week Change
-15.75%vs all stocks
Beta
1.01xvs all stocks
50-Day MA
32.75USDUpdated Oct 28, 2026200-Day MA
35.40USDUpdated Oct 28, 2026Avg 10-Day Volume
99.46KSharesUpdated Oct 28, 2026Avg 30-Day Volume
88.66KSharesUpdated Oct 28, 2026Diluted EPS (TTM)
4.75USDUpdated Oct 28, 20262 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 does this company use capital?
Multi-Year FCF With Growth And Margin
Three years of positive free cash flow and rising revenue, four of rising equity, and much of its sales turns into cash.
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 $647.84M, above the global median of $562.3MNotable
Revenue (USD): 647,838,016Global Median: 562,304,852.367
Companies that share the same coordination system — how they create, deliver, or capture value.
Timbercreek Financial Corp.
Tier 1RiskSpread-Based LeverageFlowInterface
FVCBankcorp, Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
SHL Finance Co.
Tier 1RiskSpread-Based LeverageFlowInterface
Panin Financial Tbk.
Tier 1RiskSpread-Based LeverageRuleInterface
First Community Corporation
Tier 1RiskSpread-Based LeverageRuleFlow
loanDepot, Inc.
Tier 1RiskSpread-Based LeverageFlowProduction
Sing Investments & Finance Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
HomeStreet Inc.
Tier 1RiskSpread-Based LeverageFlowRule
Ratchthani Leasing Public Company Limited
Tier 1RiskSpread-Based LeverageFlowInterface
Brb Banco De Brasília S.A.
Tier 1RiskSpread-Based LeverageFlowRule
Companies that share active interpretations — structural patterns currently present in both stocks.
Dollarama Inc.
2 interpretationsLong Dividend Streak With Three-Year FCF CoverageMulti-Year FCF With Growth And Margin
Ametek Inc.
2 interpretationsLong Dividend Streak With Three-Year FCF CoverageMulti-Year FCF With Growth And Margin
PNB Housing Finance Ltd.
2 interpretationsDebt Financing ActivityMulti-Year FCF With Growth And Margin