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Regional Management Corporation

RM

Regional Management Corp is a diversified consumer finance company that provides installment loan products to subprime, non-prime, and near-prime consumers.

Market cap
$385.73M+25.0%
Revenue$659.9M+10.5%
Net income$48.8M+47.8%
Free cash flow$321.8M+19.7%
EPS (diluted)$4.93+49.4%
Trailing twelve months · change vs. prior year

Earnings

Q2 2026 report

July 29, 2026

Next report

Date not yet announced

Financials

Q1 2026

Income statement

See full
Revenue$167.3M+9.4%
Net income$11.4M+62.7%
EPS (diluted)$1.18+68.6%

Balance sheet

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Cash & equivalents$4.9M+16.9%
Total debt$1.7B+9.8%
Total equity$375.8M+5.0%
Total assets$2.1B+9.1%

Cash flow

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Operating cash flow$81.0M+27.2%
CapEx$1.1M-12.9%
Free cash flow$79.9M+28.1%

Valuation & ratios

Valuation

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Market cap$385.73M+25.0%
Enterprise value$2.04B+9.9%
P/E7.9×-1.2×
P/S0.6×+0.1×

Profitability

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Net margin7.4%+1.9pp
FCF margin48.8%+3.7pp

Returns & leverage

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Return on equity13.3%+3.8pp
Debt / equity4.4×+0.2×

Competitors

Profile

Regional Management Corp is a diversified consumer finance company that provides installment loan products to subprime, non-prime, and near-prime consumers. The company operates an omni-channel platform under the 'Regional Finance' brand, utilizing a branch-based model supported by digital origination to serve customers with limited access to traditional bank credit. Its core value proposition centers on providing transparent, fixed-rate, and fully amortizing credit products as an alternative to high-cost payday and title lenders.

Competitive position

A leading provider of mid-tier installment loans that positions itself as a safer, lower-cost alternative to payday and title lenders.

GeographiesUnited States
Customer segmentsSubprime borrowers, Underbanked consumers
Business modelDirect Lending, Omni-channel Retail, Interest and Fee Income
SuppliersDebt capital markets, Warehouse credit facility providers, Credit reporting agencies, Direct mail marketing vendors
CustomersSubprime individuals, Near-prime individuals, Non-prime individuals
Listed2012
Employees2.1K
CEOLakhbir S. Lamba
FilingsSEC EDGAR

Questions, answered.

What is Regional Management Corporation's market cap?
Regional Management Corporation (RM) has a market capitalization of $385.7M and trades on NYSE.
What is Regional Management Corporation's revenue and profitability?
Regional Management Corporation generated $659.9M in trailing twelve-month revenue with net income of $48.8M, representing a net margin of 7.4%, with free cash flow of $321.8M. These figures are based on the Q1 2026 filing.
Who are Regional Management Corporation's competitors?
Regional Management Corporation's key competitors include World Acceptance Corporation, Enova International, Inc., OneMain Holdings, Inc., and others. These companies compete in similar markets and product categories.
What subsidiaries does Regional Management Corporation have?
Regional Management Corporation's subsidiaries include Regional Finance.
Where is Regional Management Corporation headquartered?
Regional Management Corporation is headquartered in United States of America and employs approximately 2,081 people. It has been publicly traded since 2012.