Stock Earnings

Question 1

What are Regional Management Corp's key financial statements?

Accepted Answer

According to the latest financial statement (Form-10K), Regional Management Corp has a total asset of $1,909, Net profit of $41

Question 2

What are the key financial ratios for RM?

Accepted Answer

Regional Management Corp's Current ratio is 1.23, has a Net margin is 6.97, sales per share of $59.05.

Question 3

How is Regional Management Corp's revenue broken down by segment or geography?

Accepted Answer

Regional Management Corp largest revenue segment is Large Loans, at a revenue of 337,708,000 in the most earnings release.For geography, United States is the primary market for Regional Management Corp, at a revenue of 588,503,000.

Question 4

Is Regional Management Corp profitable?

Accepted Answer

yes, according to the latest financial statements, Regional Management Corp has a net profit of $41

Question 5

Does Regional Management Corp have any liabilities?

Accepted Answer

yes, Regional Management Corp has liability of 1,552

Question 6

How many outstanding shares for Regional Management Corp?

Accepted Answer

Regional Management Corp has a total outstanding shares of 10.01

Breakdown	TTM	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Revenue	611	588	551	507	428	373
Revenue Growth (YoY)	7%	7%	9%	18%	15%	5%
Cost of Revenue	--	--	--	--	--	--
Gross Profit	--	--	--	--	--	--
Selling, General & Admin	206	198	197	180	158	142
Research & Development	--	--	--	--	--	--
Operating Expenses	486	459	463	428	300	269
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	45	54	20	65	112	35
Income Tax Expense	10	12	4	14	23	9
Net Income	34	41	15	51	88	26
Net Income Growth	42%	173%	-71%	-42%	238%	-41%
Shares Outstanding (Diluted)	9.84	9.95	9.59	9.7	10.6	11.1
Shares Change (YoY)	0%	4%	-1%	-8%	-5%	-6%
EPS (Diluted)	3.52	4.14	1.66	5.27	8.36	2.4
EPS Growth	39%	149%	-68%	-37%	248%	-37%
Free Cash Flow	263	251	237	212	182	159
Free Cash Flow Per Share	26.71	25.2	24.7	21.85	17.16	14.32
Gross Margin	--	--	--	--	--	--
Operating Margin	20.29%	21.76%	15.97%	15.38%	29.67%	27.88%
Profit Margin	5.56%	6.97%	2.72%	10.05%	20.56%	6.97%
Free Cash Flow Margin	43.04%	42.68%	43.01%	41.81%	42.52%	42.62%
EBITDA	138	142	102	90	138	117
EBITDA Margin	22.58%	24.14%	18.51%	17.75%	32.24%	31.36%
D&A For EBITDA	14	14	14	12	11	13
EBIT	124	128	88	78	127	104
EBIT Margin	20.29%	21.76%	15.97%	15.38%	29.67%	27.88%
Effective Tax Rate	22.22%	22.22%	20%	21.53%	20.53%	25.71%

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