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RM Financials Regional Management Corp.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 11.5% per year over the past 5 years.
  • Net income has grown slower than revenue (10.7% vs 11.5% per year).
  • Free cash flow has grown 13.6% per year over the past 5 years.

Financial health

  • Total debt ($1.6B) exceeds cash ($98M); net debt is $1.5B.
  • Total debt has grown faster than revenue (16.6% vs 11.5% per year).
Revenue & net income
$0 $323M $646M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 10% 21% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Return on equity & assets (ROE / ROA)
0% 20% 40% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Free cash flow (CFO − capex)
$0 $152M $304M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $821M $2B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$471M -$81M $309M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $646M $44M 0.0% 0.0% 11.9% 2.1% $304M $1.6B $98M
2024 $589M $41M 0.0% 0.0% 11.5% 2.2% $264M $1.5B $136M
2023 $551M $16M 0.0% 0.0% 5.0% 0.9% $244M $1.4B $129M
2022 $507M $51M 0.0% 0.0% 16.6% 3.0% $218M $1.3B $132M
2021 $428M $89M 0.0% 0.0% 31.4% 6.1% $185M $1.1B $149M
2020 $374M $27M 0.0% 0.0% 9.8% 2.4% $161M $762M $72M
2019 $356M $45M 0.0% 0.0% 14.8% 3.9% $152M $799M $56M
2018 $307M $35M 0.0% 0.0% 12.7% 3.7% $141M $651M $50M
2017 $272M $30M 0.0% 0.0% 12.5% 3.6% $111M $567M $22M
2016 $241M $24M 0.0% 0.0% 11.6% 3.4% $94M $490M $13M
2015 $217M $23M 0.0% 0.0% 11.4% 3.7% — $408M $18M
2014 $205M $15M 0.0% 0.0% 8.3% 2.8% — $341M —
2013 $171M $29M 0.0% 0.0% 17.9% 5.4% $68M $363M —
2012 $136M $25M 0.0% 0.0% 19.2% 5.7% $56M $292M —
2011 $105M $21M 0.0% 0.0% 40.4% 6.9% $39M — —

Valuation over time

How the market has priced RM against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 9.4 18.8 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Price / sales (P/S)
0.0 0.3 0.7 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/S

Frequently asked questions

Is RM growing its revenue and profit?

Over the past 5 years, Regional Management Corp.'s revenue has grown 11.5% per year, and net income grown 10.7% per year. These are computed facts, not advice.

How much debt does RM have?

As of FY2025, Regional Management Corp. reported $1.6B of total debt against $98M of cash.

What is RM's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 6.9%.

What is RM's P/E ratio?

Regional Management Corp.'s P/E (TTM) is 7.37 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the RM stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 7.9× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.