Regional Management Corp. (RM) Income Statement
RM 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsRM revenue and net income
Where RM's revenue goes
2025Each bar shows an amount and its share of revenue. RM kept 6.9% of revenue as net income.
RM profit margins
RM growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +9.7% | +8.4% | +11.5% | +11.5% |
| Gross profit | +12.0% | +5.5% | +9.7% | +8.2% |
| Operating income | +48.6% | +7.1% | +17.5% | +7.7% |
| Net income | +7.7% | −4.6% | +10.7% | +6.6% |
| EPS (diluted) | +7.0% | −6.9% | +1.6% | +9.3% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
RM quarterly EPS vs estimates
Regional Management beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 28, 2026 (estimate $1.50).
RM income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $645.6M | $588.5M | $551.4M | $507.2M | $428.4M | $373.9M | $355.7M | $306.7M | $272.5M | $240.5M |
| Cost of revenue | $307.6M | $286.7M | $287.5M | $219.3M | $120.4M | $161.7M | $139.7M | $120.5M | $101.2M | $82.9M |
| Gross profit | $337.9M | $301.8M | $263.9M | $287.8M | $308.0M | $212.2M | $216.0M | $186.2M | $171.2M | $157.6M |
| Research & development | — | — | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Sales, general & admin | $240.5M | $221.9M | $218.1M | $198.7M | $171.4M | $153.7M | $134.4M | $119.4M | $109.4M | $98.6M |
| Total operating expenses | $257.6M | $247.7M | $243.1M | $222.5M | $195.5M | $176.3M | $157.0M | $140.3M | $131.0M | $118.6M |
| Operating income | $80.4M | $54.1M | $20.8M | $65.3M | $112.5M | $35.9M | $59.0M | $45.9M | $40.3M | $38.9M |
| Interest income | $84.8M | $528.9M | $489.7M | $34.2M | $382.5M | $335.2M | $321.2M | $33.5M | $249.0M | $221.0M |
| Interest expense | $84.8M | $74.5M | $67.5M | $34.2M | $31.3M | $37.9M | $40.1M | $33.5M | $23.9M | $19.9M |
| Income before taxes | $57.8M | $54.1M | $20.8M | $65.3M | $112.5M | $35.9M | $59.0M | $45.9M | $40.3M | $38.9M |
| Income taxes | $13.4M | $12.8M | $4.8M | $14.1M | $23.8M | $9.2M | $14.3M | $10.6M | $10.3M | $14.9M |
| Net income | $44.4M | $41.2M | $16.0M | $51.2M | $88.7M | $26.7M | $44.7M | $35.3M | $30.0M | $24.0M |
| EBITDA | $96.6M | $68.1M | $35.4M | $78.0M | $124.1M | $49.2M | $69.8M | $54.7M | $47.6M | $45.4M |
| EPS (diluted) | $4.45 | $4.16 | $1.64 | $5.51 | $8.33 | $4.11 | $3.83 | $3.17 | $2.37 | $2.09 |
| Gross margin | 52.3% | 51.3% | 47.9% | 56.8% | 71.9% | 56.8% | 60.7% | 60.7% | 62.8% | 65.5% |
| Operating margin | 12.4% | 9.2% | 3.8% | 12.9% | 26.3% | 9.6% | 16.6% | 15.0% | 14.8% | 16.2% |
| Net margin | 6.9% | 7.0% | 2.9% | 10.1% | 20.7% | 7.1% | 12.6% | 11.5% | 11.0% | 10.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $168.0M | $167.3M | $169.7M | $165.5M | $157.4M | $153.0M | $154.8M | $146.3M | $143.0M | $144.3M | $141.7M | $140.9M |
| Cost of revenue | $4.9M | $9.5M | $66.4M | $82.4M | $81.0M | $77.8M | $77.4M | $73.7M | $71.7M | $63.9M | $86.4M | $67.9M |
| Gross profit | $163.1M | $157.8M | $103.3M | $83.0M | $76.4M | $75.2M | $77.4M | $72.6M | $71.4M | $80.4M | $55.3M | $73.0M |
| Sales, general & admin | $70.3M | $68.8M | $64.5M | $56.9M | $56.0M | $59.1M | $57.9M | $55.9M | $54.0M | $54.1M | $58.5M | $55.8M |
| Total operating expenses | $129.6M | $120.0M | $64.5M | $64.1M | $62.9M | $66.0M | $64.6M | $62.5M | $60.1M | $60.4M | $64.8M | $62.1M |
| Operating income | $33.6M | $37.8M | $38.7M | $19.0M | $13.5M | $9.2M | $12.8M | $10.2M | $11.2M | $19.9M | −$9.5M | $10.9M |
| Interest income | $150.3M | $150.3M | $22.6M | $148.7M | $20.4M | $136.6M | $138.2M | $133.9M | $127.9M | $128.8M | $126.2M | $16.9M |
| Interest expense | $23.0M | $22.9M | $22.6M | $22.0M | $20.4M | $19.8M | $19.8M | $19.4M | $17.9M | $17.5M | $17.5M | $16.9M |
| Income before taxes | $10.6M | $14.8M | $16.2M | $19.0M | $13.5M | $9.2M | $12.8M | $10.2M | $11.2M | $19.9M | −$9.5M | $10.9M |
| Income taxes | $2.4M | $3.4M | $3.2M | $4.6M | $3.3M | $2.2M | $2.8M | $2.5M | $2.8M | $4.7M | −$2.0M | $2.1M |
| Net income | $8.2M | $11.4M | $12.9M | $14.4M | $10.1M | $7.0M | $9.9M | $7.7M | $8.4M | $15.2M | −$7.6M | $8.8M |
| EBITDA | $38.4M | $42.5M | $43.3M | $23.2M | $17.4M | $12.8M | $16.4M | $13.7M | $14.6M | $23.4M | −$6.1M | $14.5M |
| EPS (diluted) | $0.85 | $1.18 | $1.30 | $1.42 | $1.03 | $0.70 | $0.98 | $0.76 | $0.86 | $1.56 | −$0.80 | $0.91 |
| Gross margin | 97.1% | 94.3% | 60.9% | 50.2% | 48.5% | 49.2% | 50.0% | 49.6% | 49.9% | 55.7% | 39.0% | 51.8% |
| Operating margin | 20.0% | 22.6% | 22.8% | 11.5% | 8.6% | 6.0% | 8.2% | 6.9% | 7.8% | 13.8% | −6.7% | 7.7% |
| Net margin | 4.9% | 6.8% | 7.6% | 8.7% | 6.4% | 4.6% | 6.4% | 5.2% | 5.9% | 10.5% | −5.3% | 6.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in RM's financial statements (latest annual report filed February 20, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
RM financial results
In fiscal year 2025 (ended December 31, 2025), Regional Management reported revenue of $645.6 million, up 9.7% from the year before. It had net income of $44.4 million (up 7.7%), a net profit margin of 6.9%. Diluted earnings per share came to $4.45. Over five years revenue grew at an average rate of 11.5% a year.
See the RM stock overview for the latest quote and news, or the RM chart for price history and technical indicators.
RM income statement FAQ
What is Regional Management's annual revenue?
Regional Management reported total revenue of $645.6 million for fiscal year 2025, which ended on December 31, 2025. That was up 9.7% from $588.5 million the previous year.
Is Regional Management profitable?
Yes. Regional Management reported net income of $44.4 million in fiscal 2025, a net profit margin of 6.9%; its operating margin was 12.4%.
What is Regional Management's gross margin?
Regional Management's gross margin was 52.3% in fiscal 2025: for every $100 of revenue, Regional Management kept $52 after the direct cost of its products and services.
How fast is Regional Management growing?
Revenue grew 11.5% a year on average over the last five fiscal years, from $373.9 million to $645.6 million.
What are Regional Management's earnings per share?
Regional Management earned $4.45 per diluted share in fiscal 2025, compared with $4.16 a year earlier.
When will Regional Management report its next earnings?
Regional Management is expected to report results for the quarter ending September 30, 2026 on October 28, 2026 after the market closes.
When does Regional Management's fiscal year end?
Regional Management's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 20, 2026.