Regional Management Corp.
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $645.6M | $588.5M | $551.4M | $507.2M | $428.4M | $373.9M |
| Operating income | — | — | — | — | — | — |
| Net income | $44.4M | $41.2M | $16.0M | $51.2M | $88.7M | $26.7M |
| Total assets | $2.10B | $1.91B | $1.79B | $1.72B | $1.46B | $1.10B |
| Total liabilities | $1.73B | $1.55B | $1.47B | $1.42B | $1.18B | $831.7M |
| Equity | $373.1M | $357.1M | $322.3M | $308.6M | $282.7M | $272.1M |
| EPS (diluted) | $4.45 | $4.14 | $1.66 | $5.30 | $8.33 | $2.40 |
| Shares out. | 9.8M | 9.8M | 9.5M | 9.8M | 10.9M | 11.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 6.9%
- Return on equity
- 11.9%
- Return on assets
- 2.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 82.3%
- Debt / equity
- 4.64×
- Book value / share
- $37.95
- Revenue growth (YoY)
- 9.7%
- Net income growth (YoY)
- 7.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −12.6%clean
- Piotroski F-Score
- 3/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Blackrock Portfolio Management LlcPassive (13G)Oct 17, 2025
- Forager Capital Management, LlcPassive (13G)Jun 11, 2025
- Blackrock, Inc.Passive (13G)Feb 7, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 332,298 | 5.9 | +5.7% |
| Apr 30, 2026 | 314,332 | 5.0 | -7.8% |
| Apr 15, 2026 | 340,866 | 4.9 | +7.7% |
| Mar 31, 2026 | 316,557 | 5.3 | -9.5% |
| Mar 13, 2026 | 349,633 | 7.6 | +9.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer change · Shareholder voteMay 19, 2026
- Entered a material agreementMay 4, 2026
- Results of operations · Other material eventApr 29, 2026
- Entered a material agreementMar 5, 2026
- Regulation FD disclosureFeb 20, 2026
- Results of operations · Other material eventFeb 4, 2026
- Regulation FD disclosureNov 17, 2025
- Results of operations · Director / officer change · Other material eventNov 5, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.