RM Dividend: Regional Management Corp Yield Insights

Income

Balance sheet

Cash flow

Annual

Quarterly

RM Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Revenue	630	588	551	507	428	373
Revenue Growth (YoY)	10%	7%	9%	18%	15%	5%
Cost of Revenue	--	--	--	--	--	--
Gross Profit	--	--	--	--	--	--
Selling, General & Admin	206	198	197	180	158	142
Research & Development	--	--	--	--	--	--
Operating Expenses	494	459	463	428	300	269
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	54	54	20	65	112	35
Income Tax Expense	12	12	4	14	23	9
Net Income	41	41	15	51	88	26
Net Income Growth	78%	173%	-71%	-42%	238%	-41%
Shares Outstanding (Diluted)	10.13	9.95	9.59	9.7	10.6	11.1
Shares Change (YoY)	0%	4%	-1%	-8%	-5%	-6%
EPS (Diluted)	4.08	4.14	1.66	5.27	8.36	2.4
EPS Growth	74%	149%	-68%	-37%	248%	-37%
Free Cash Flow	276	251	237	212	182	159
Free Cash Flow Per Share	27.23	25.2	24.7	21.85	17.16	14.32
Gross Margin	--	--	--	--	--	--
Operating Margin	21.58%	21.76%	15.97%	15.38%	29.67%	27.88%
Profit Margin	6.5%	6.97%	2.72%	10.05%	20.56%	6.97%
Free Cash Flow Margin	43.8%	42.68%	43.01%	41.81%	42.52%	42.62%
EBITDA	151	142	102	90	138	117
EBITDA Margin	23.96%	24.14%	18.51%	17.75%	32.24%	31.36%
D&A For EBITDA	15	14	14	12	11	13
EBIT	136	128	88	78	127	104
EBIT Margin	21.58%	21.76%	15.97%	15.38%	29.67%	27.88%
Effective Tax Rate	22.22%	22.22%	20%	21.53%	20.53%	25.71%