Regional Management Corp. (RM) quarterly cash flow statement — complete operating, investing & financing history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash from Operations | 81.01M | 80.06M | 86.68M | 78.66M | 63.66M | 63.84M | 75.12M | 71.5M | 58.47M | 66.89M | 67.55M | 62.08M | 52.65M | 60.07M | 54.84M | 63.64M | 45.79M | 52.99M | 47.38M | 49.93M |
| Operating CF Margin % | 48.42% | 47.19% | 52.38% | 49.96% | 41.62% | 41.23% | 51.33% | 49.99% | 40.52% | 47.22% | 47.95% | 46.5% | 38.89% | 45.5% | 41.72% | 51.79% | 37.89% | 44.35% | 42.51% | 50.09% |
| Operating CF Growth % | 27.24% | 25.41% | 15.4% | 10.02% | 8.88% | -4.56% | 11.21% | 15.17% | 11.06% | 11.36% | 23.17% | -2.45% | 14.99% | 13.36% | 15.74% | 27.45% | 30.78% | 11.7% | 15.47% | 26.24% |
| Net Income | 11.4M | 12.91M | 14.36M | 10.14M | 7.01M | 9.91M | 7.66M | 8.45M | 15.21M | -7.57M | 8.82M | 6.02M | 8.69M | 2.39M | 10.07M | 11.98M | 26.78M | 20.78M | 22.22M | 20.17M |
| Depreciation & Amortization | 4.77M | 0 | 4.22M | 3.9M | 3.6M | 3.61M | 3.58M | 3.38M | 3.5M | 3.43M | 3.56M | 3.57M | 4.08M | 3.54M | 2.92M | 3M | 3.24M | 3.19M | 2.89M | 2.68M |
| Stock-Based Compensation | 1.9M | 0 | 2.76M | 2.8M | 3.5M | 2.35M | 3.7M | 3.3M | 1.83M | 3.96M | 3.36M | 2.34M | 2.1M | 2.63M | 3.29M | 2.75M | 2.11M | 2.13M | 1.84M | 1.87M |
| Deferred Taxes | 0 | 0 | 7.78M | 1.01M | 0 | 2.51M | 0 | 0 | 108K | 492K | 1.15M | -591K | 0 | 0 | 3.08M | -1.71M | 327K | -5.88M | 1.57M | 257K |
| Other Non-Cash Items | 62.94M | 74.08M | 56.6M | 56.6M | 53.96M | 53.59M | 55.53M | 44.67M | 42.76M | 65.47M | 47.38M | 49.41M | 35.03M | 60.01M | 46.55M | 49.07M | 16.8M | 13.15M | 22.48M | 16.49M |
| Working Capital Changes | 0 | -6.92M | 963K | 4.21M | -4.4M | -8.12M | 4.64M | 11.7M | -4.94M | 1.11M | 3.29M | 1.33M | 2.75M | -8.5M | -11.06M | -1.46M | -3.46M | 19.62M | -3.63M | 8.47M |
| Change in Receivables | 0 | 1.91M | 1.94M | 1.94M | 0 | 1.56M | 427K | 406K | -2.22M | -872K | 0 | 0 | -1.88M | 1.22M | 0 | 1.91M | 0 | 0 | 0 | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -9.4M | 0 | 0 | 0 | 0 | 0 | -1.91M | 0 | 0 | 0 | 0 |
| Change in Payables | -6.01M | 0 | 0 | 0 | 0 | 695K | 0 | 0 | -10.8M | 10.27M | 0 | 0 | 0 | 0 | 0 | -14.52M | 0 | 0 | 0 | 0 |
| Cash from Investing | -34.82M | -143.17M | -162.64M | -105.11M | -60.27M | -118.97M | -111.84M | -64.23M | -20.33M | -84.61M | -109.33M | -64.57M | -20.2M | -151.6M | -133.78M | -112.56M | -49.35M | -124.57M | -140.25M | -101.59M |
| Capital Expenditures | -1.11M | 0 | -1.01M | -1.02M | -1.27M | -1.52M | -1.3M | -1.21M | -3.63M | -2.81M | -835K | -1.15M | -1.65M | -3.23M | -643K | -2.41M | -1.13M | -1.63M | -908K | -641K |
| CapEx % of Revenue | 0.66% | 0.86% | 0.61% | 0.65% | 0.83% | 0.98% | 0.89% | 0.85% | 2.51% | 1.99% | 0.59% | 0.86% | 1.22% | 2.45% | 0.49% | 1.96% | 0.93% | 1.36% | 0.81% | 0.64% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Investments | 24.39M | 24.21M | 1.84B | 1.76B | 0 | 1.69B | 1.63B | 0 | 0 | 1.58B | 0 | 0 | 0 | 1.52B | 0 | 0 | 1.29B | 1.27B | 1.16B | 1.04B |
| Other Investing | -33.71M | -143.17M | -161.62M | -104.09M | -58.99M | -117.46M | -110.53M | -63.02M | -16.98M | -81.8M | -110.44M | -65.54M | -18.55M | -148.37M | -133.14M | -110.15M | -48.23M | -122.94M | -139.34M | -100.95M |
| Cash from Financing | -40.96M | 52.56M | 62.56M | 21.91M | -12.56M | 70.45M | 13.83M | 13.54M | -44.41M | 21.95M | 24.77M | 9.67M | -29.96M | 106.32M | 43.22M | 45.1M | 10.93M | 108.62M | 99.01M | 71.43M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | 0 | -7.51M | -5M | -5M | -6.47M | -3.54M | -162K | -433K | 0 | -1.89M | 0 | 0 | -145K | -1.66M | 0 | -11.98M | -9.03M | -11.43M | -21.98M | -22.19M |
| Dividends Paid | -3.42M | -2.72M | -2.77M | -2.84M | -3.15M | -2.9M | -2.9M | -3.09M | -3.25M | -2.84M | -2.84M | -3.09M | -3.12M | -2.76M | -2.77M | -2.8M | -3.02M | -2.38M | -2.46M | -2.59M |
| Share Repurchases | -7.51M | -7.51M | -5M | -5M | -6.47M | -3.54M | -162K | -433K | 0 | -1.89M | 0 | 0 | -145K | -1.66M | 0 | -11.58M | -9.03M | -11.43M | -21.98M | -22.19M |
| Other Financing | -37.54M | -3.61M | -2.05M | -809K | -3.17M | -5.52M | -136K | -2.65M | -253K | -5K | -39K | -2.17M | -1.16M | -2.9M | -128K | -76K | -3.48M | -6.79M | -2.29M | -4.54M |
| Net Change in Cash | 5.23M | -10.55M | -13.39M | -4.54M | -9.16M | 15.31M | -22.89M | 20.8M | -6.26M | 4.23M | -17.02M | 7.18M | 2.49M | 14.79M | -35.73M | -3.82M | 7.37M | 37.04M | 6.14M | 19.77M |
| Free Cash Flow | 79.9M | 78.61M | 82.63M | 74.55M | 62.39M | 59.69M | 73.82M | 70.29M | 54.84M | 64.08M | 64.72M | 59.03M | 51M | 56.84M | 52.48M | 61.23M | 44.02M | 50.34M | 45.74M | 48.55M |
| FCF Margin % | 47.76% | 46.33% | 49.93% | 47.35% | 40.79% | 38.55% | 50.44% | 49.14% | 38% | 45.23% | 45.94% | 44.22% | 37.67% | 43.05% | 39.92% | 49.83% | 36.43% | 42.13% | 41.03% | 48.71% |
| FCF Growth % | 28.06% | 31.69% | 11.94% | 6.07% | 13.76% | -6.85% | 14.05% | 19.07% | 7.53% | 12.74% | 23.33% | -3.59% | 15.86% | 12.92% | 14.74% | 26.11% | 30.11% | 9.26% | 15.18% | 28.7% |
| FCF per Share | 8.27 | 7.92 | 8.15 | 7.57 | 6.22 | 5.92 | 7.32 | 7.13 | 5.63 | 6.79 | 6.71 | 6.17 | 5.30 | 6.04 | 5.51 | 6.33 | 4.39 | 4.95 | 4.34 | 4.50 |
| FCF Conversion (FCF/Net Income) | 7.11x | 6.20x | 6.04x | 7.76x | 9.09x | 6.44x | 9.80x | 8.47x | 3.85x | -8.83x | 7.66x | 10.31x | 6.06x | 25.12x | 5.45x | 5.31x | 1.71x | 2.55x | 2.13x | 2.48x |
| Interest Paid | 0 | 21.11M | 19.93M | 18.2M | 0 | 18.48M | 17.62M | 16.77M | 0 | 15.77M | 15.14M | 14.42M | 14.75M | 12.46M | 10.26M | 9.13M | 8.62M | 8.26M | 7.33M | 6.6M |
| Taxes Paid | 0 | -251K | 48K | 0 | 0 | 230K | 0 | 0 | 0 | 266K | 1.6M | 1.17M | 0 | 0 | 4.07M | 22.69M | 1K | -6K | 9.08M | 0 |