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Regional Management Corporation RM Q3 2025 earnings

Reported November 5, 2025 · After market close

Revenue$165.5MMiss by $2.7M
EPS$1.42Miss by $0.04
Revenue estimate$168.2M
EPS estimate$1.46

Next report

Date not yet announced

Financials

Q3 2025

Income statement

See full
Revenue$165.5M+13.1%
Net income$14.4M+87.3%
EPS (diluted)$1.42+86.8%

Balance sheet

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Cash & equivalents$4.1M-13.9%
Total debt$1.6B+13.1%
Total equity$371.9M+5.4%
Total assets$2.0B+11.3%

Cash flow

See full
Operating cash flow$86.7M+15.4%
CapEx$1.0M-22.2%
Free cash flow$85.7M+16.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$381.77M+21.4%
Enterprise value$2B+14.6%
P/E9.2×—
P/S0.6×+0.1×

Profitability

See full
Net margin6.6%—
FCF margin45.7%-0.8pp

Returns & leverage

See full
Return on equity11.4%—
Debt / equity4.3×+0.3×

Versus estimates

Revenue

Q1 2026$167.3MBeat by $5.7MQ4 2025$169.7MBeat by $6.6M
Q3 2025$165.5MMiss by $2.7M
Q2 2025$157.4MMiss by $5.4MQ1 2025$153.0MMiss by $620.0KQ4 2024$135.0MMiss by $19.1M

Diluted EPS

Q1 2026$1.18Beat by $0.20Q4 2025$1.30Beat by $0.02
Q3 2025$1.42Miss by $0.04
Q2 2025$1.03Beat by $0.31Q1 2025$0.70Beat by $0.03Q4 2024$0.98Beat by $0.10

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Questions, answered.

When did Regional Management Corporation report Q3 2025 earnings?
Regional Management Corporation (RM) reported Q3 2025 earnings on November 5, 2025 after market close.
What were Regional Management Corporation's Q3 2025 revenue and EPS?
Regional Management Corporation reported revenue of $165.5M and eps of $1.42 for Q3 2025.
Did Regional Management Corporation beat estimates in Q3 2025?
Revenue missed the consensus estimate of $168.2M by $2.7M. EPS missed the consensus estimate of $1.46 by $0.04.
How did Regional Management Corporation's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 30.3% from $127.0M a year earlier and eps grew 20.3% from $1.18.
Where can I find Regional Management Corporation's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-267026) and the 10-Q periodic report (0001193125-25-269725) directly on SEC EDGAR. The filing index links above go to sec.gov.