Regional Management Corp. (RM) quarterly income statement — complete revenue, gross profit & net income 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 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 167.29M | 103.26M | 83.04M | 76.43M | 75.2M | 77.4M | 72.63M | 71.36M | 80.38M | 55.26M | 73M | 64.71M | 70.93M | 56.38M | 71.52M | 69.91M | 90.05M | 80.88M | 76.55M | 71.33M |
| Gross Margin % | 100% | 60.86% | 50.18% | 48.54% | 49.16% | 49.99% | 49.63% | 49.89% | 55.7% | 39.01% | 51.82% | 48.48% | 52.39% | 42.7% | 54.41% | 56.89% | 74.51% | 67.69% | 68.68% | 71.56% |
| Gross Profit Growth % | 122.45% | 33.41% | 14.33% | 7.11% | -6.44% | 40.06% | -0.5% | 10.28% | 13.33% | -1.97% | 2.07% | -7.44% | -21.23% | -30.3% | -6.57% | -1.99% | 13.65% | 27.39% | 29.42% | 34.04% |
| Operating Expenses | 129.53M | 64.52M | 64.07M | 62.95M | 66.04M | 64.65M | 62.47M | 60.14M | 60.45M | 64.8M | 62.1M | 56.9M | 59.32M | 55.14M | 58.16M | 54.12M | 55.1M | 55.53M | 47.75M | 46.39M |
| OpEx % of Revenue | 77.43% | 38.02% | 38.71% | 39.98% | 43.17% | 41.75% | 42.69% | 42.05% | 41.89% | 45.74% | 44.08% | 42.62% | 43.82% | 41.77% | 44.25% | 44.05% | 45.59% | 46.48% | 42.84% | 46.54% |
| Selling, General & Admin | 68.84M | 68.39M | 56.91M | 56.03M | 59.14M | 57.9M | 55.92M | 53.99M | 54.07M | 58.53M | 55.79M | 50.74M | 53.03M | 49.15M | 52.32M | 47.97M | 49.29M | 49.02M | 41.72M | 40.82M |
| SG&A % of Revenue | 41.15% | 40.31% | 34.39% | 35.59% | 38.66% | 37.39% | 38.21% | 37.75% | 37.47% | 41.32% | 39.6% | 38.01% | 39.18% | 37.23% | 39.8% | 39.04% | 40.79% | 41.03% | 37.43% | 40.95% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 37.76M | 38.74M | 18.97M | 13.48M | 9.16M | 12.76M | 10.16M | 11.22M | 19.93M | -9.53M | 10.9M | 7.81M | 11.61M | 1.23M | 13.35M | 15.79M | 34.95M | 25.35M | 28.8M | 24.94M |
| Operating Margin % | 22.57% | 22.83% | 11.47% | 8.56% | 5.99% | 8.24% | 6.95% | 7.85% | 13.81% | -6.73% | 7.74% | 5.85% | 8.57% | 0.93% | 10.16% | 12.85% | 28.92% | 21.21% | 25.84% | 25.02% |
| Operating Income Growth % | 312.16% | 203.72% | 86.66% | 20.16% | -54.04% | 233.81% | -6.72% | 43.63% | 71.76% | -873.7% | -18.4% | -50.51% | -66.79% | -95.14% | -53.63% | -36.7% | 4.67% | 35.59% | 87.06% | 113.34% |
| EBITDA | 37.76M | 38.74M | 23.2M | 17.38M | 12.76M | 16.36M | 13.75M | 14.61M | 23.43M | -6.1M | 14.45M | 11.38M | 15.68M | 4.77M | 16.27M | 18.78M | 38.19M | 28.53M | 31.69M | 27.62M |
| EBITDA Margin % | 22.57% | 22.83% | 14.02% | 11.04% | 8.34% | 10.57% | 9.39% | 10.21% | 16.24% | -4.3% | 10.26% | 8.52% | 11.58% | 3.61% | 12.38% | 15.29% | 31.6% | 23.88% | 28.43% | 27.71% |
| EBITDA Growth % | 195.82% | 136.76% | 68.76% | 18.99% | -45.53% | 368.32% | -4.88% | 28.35% | 49.4% | -227.79% | -11.16% | -39.42% | -58.93% | -83.28% | -48.67% | -31.99% | 5.25% | 26.4% | 65.95% | 89.89% |
| D&A (Non-Cash Add-back) | 0 | 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 |
| EBIT | 37.76M | 38.74M | 18.97M | 13.48M | 9.16M | 12.76M | 10.16M | 11.22M | 19.93M | -9.53M | 10.9M | 7.81M | 11.61M | 1.23M | 13.35M | 15.79M | 34.95M | 25.35M | 28.8M | 24.94M |
| Net Interest Income | 127.37M | 130.38M | 126.7M | 120.27M | 116.78M | 118.44M | 114.58M | 110.03M | 111.31M | 108.68M | 108.07M | 101.86M | 103.63M | 102.58M | 104.16M | 102.21M | 107.69M | 99.52M | 90.54M | 80.99M |
| Interest Income | 150.3M | 153.03M | 148.67M | 140.69M | 136.55M | 138.25M | 133.93M | 127.9M | 128.82M | 126.19M | 125.02M | 118.08M | 120.41M | 117.43M | 116.02M | 109.77M | 107.63M | 107.12M | 99.36M | 88.79M |
| Interest Expense | 22.92M | 22.65M | 21.97M | 20.43M | 19.77M | 19.8M | 19.36M | 17.86M | 17.5M | 17.51M | 16.95M | 16.22M | 16.78M | 14.86M | 11.86M | 7.56M | -59K | 7.6M | 8.82M | 7.8M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 14.84M | 16.16M | 18.97M | 13.48M | 9.16M | 12.76M | 10.16M | 11.22M | 19.93M | -9.53M | 10.9M | 7.81M | 11.61M | 1.23M | 13.35M | 15.79M | 34.95M | 25.35M | 28.8M | 24.94M |
| Pretax Margin % | 8.87% | 9.52% | 11.47% | 8.56% | 5.99% | 8.24% | 6.95% | 7.85% | 13.81% | -6.73% | 7.74% | 5.85% | 8.57% | 0.93% | 10.16% | 12.85% | 28.92% | 21.21% | 25.84% | 25.02% |
| Income Tax | 3.43M | 3.25M | 4.62M | 3.34M | 2.15M | 2.84M | 2.5M | 2.78M | 4.73M | -1.96M | 2.08M | 1.79M | 2.92M | -1.16M | 3.29M | 3.8M | 8.17M | 4.57M | 6.58M | 4.77M |
| Effective Tax Rate % | 23.15% | 20.11% | 24.34% | 24.8% | 23.51% | 22.27% | 24.61% | 24.75% | 23.72% | 20.54% | 19.06% | 22.91% | 25.13% | -94.07% | 24.61% | 24.1% | 23.37% | 18.03% | 22.84% | 19.13% |
| 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 |
| Net Margin % | 6.82% | 7.61% | 8.67% | 6.44% | 4.58% | 6.4% | 5.24% | 5.9% | 10.54% | -5.35% | 6.26% | 4.51% | 6.42% | 1.81% | 7.66% | 9.75% | 22.16% | 17.39% | 19.94% | 20.23% |
| Net Income Growth % | 62.71% | 30.21% | 87.34% | 20.07% | -53.92% | 230.9% | -13.12% | 40.21% | 74.99% | -416.77% | -12.4% | -49.73% | -67.56% | -88.49% | -54.69% | -40.58% | 4.94% | 44.82% | 97.73% | 169.96% |
| Net Income (Continuing) | 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 |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 1.18 | 1.30 | 1.42 | 1.03 | 0.70 | 0.98 | 0.74 | 0.86 | 1.56 | -0.80 | 0.91 | 0.63 | 0.90 | 0.25 | 1.06 | 1.24 | 2.67 | 2.04 | 2.11 | 1.87 |
| EPS Growth % | 68.57% | 32.65% | 91.89% | 19.77% | -55.13% | 222.5% | -18.68% | 36.51% | 73.33% | -420% | -14.15% | -49.19% | -66.29% | -87.75% | -49.76% | -33.69% | 15.58% | 59.38% | 108.91% | 175% |
| EPS (Basic) | 1.24 | 1.30 | 1.53 | 1.07 | 0.73 | 1.02 | 0.77 | 0.88 | 1.59 | -0.80 | 0.94 | 0.64 | 0.93 | 0.26 | 1.09 | 1.29 | 2.81 | 2.18 | 2.25 | 1.98 |
| Diluted Shares Outstanding | 9.66M | 9.93M | 10.13M | 9.84M | 10.03M | 10.09M | 10.09M | 9.86M | 9.75M | 9.44M | 9.65M | 9.57M | 9.62M | 9.41M | 9.53M | 9.67M | 10.02M | 10.18M | 10.54M | 10.8M |
| Basic Shares Outstanding | 9.16M | 9.93M | 9.37M | 9.5M | 9.61M | 9.69M | 9.68M | 9.61M | 9.57M | 9.44M | 9.43M | 9.4M | 9.32M | 9.2M | 9.2M | 9.26M | 9.53M | 9.54M | 9.86M | 10.2M |
| Dividend Payout Ratio | - | 21.05% | 19.32% | 28.04% | 44.98% | 29.21% | 37.84% | 36.61% | 21.4% | - | 32.17% | 51.32% | 35.9% | 115.56% | 27.48% | 23.39% | 11.28% | 11.44% | 11.07% | 12.84% |