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Regional Management Corporation RM Q4 2025 Annual earnings

Reported February 4, 2026 · After market close

Revenue$169.7MBeat by $6.6M
EPS$1.30Beat by $0.02
Revenue estimate$163.2M
EPS estimate$1.28

Next report

Nov 4, 2026 (in 2 months)
Revenue estimate$168.9M
EPS estimate$1.45

Financials

Q4 2025

Income statement

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Revenue$169.7M+9.6%
Net income$12.9M+30.2%
EPS (diluted)$1.30+32.7%

Balance sheet

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Cash & equivalents$3.8M-3.2%
Total debt$1.7B+11.6%
Total equity$373.1M+4.5%
Total assets$2.1B+10.2%

Cash flow

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Operating cash flow$80.1M+25.4%
CapEx$1.5M-4.0%
Free cash flow$78.6M+26.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$376.37M+9.0%
Enterprise value$2.06B+11.1%
P/E8.5×+0.1×
P/S0.6×0.0×

Profitability

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Net margin6.9%-0.1pp
FCF margin47.1%+2.3pp

Returns & leverage

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Return on equity12.2%0.0pp
Debt / equity4.5×+0.3×

FAQ

When did Regional Management Corporation report Q4 2025 earnings?
Regional Management Corporation (RM) reported Q4 2025 earnings on February 4, 2026 after market close.
What were Regional Management Corporation's Q4 2025 revenue and EPS?
Regional Management Corporation reported revenue of $169.7M and eps of $1.30 for Q4 2025.
Did Regional Management Corporation beat estimates in Q4 2025?
Revenue beat the consensus estimate of $163.2M by $6.6M. EPS beat the consensus estimate of $1.28 by $0.02.
How did Regional Management Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.7% from $135.0M a year earlier and eps grew 32.7% from $0.98.
Where can I find Regional Management Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-037735) and the 10-K periodic report (0001193125-26-061549) directly on SEC EDGAR. The filing index links above go to sec.gov.