RMRegional Management Corp.
Personal Credit Institutions
- Revenue
- $646M
- 9.7% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $1.7B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear696% of net incomeCash flow under 80% of net income
- Dilutive SBCClear2% of revenueOver 10% of revenue
- Payouts exceed cash flowClear8% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $428M | $507M | $551M | $589M | $646M | 9.7% |
| Net income | $89M | $51M | $16M | $41M | $44M | 7.7% |
| Operating cash flow | $189M | $224M | $249M | $269M | $309M | 15% |
| Capex | $4M | $6M | $5M | $5M | $5M | 5.8% |
| Stock-based comp | $7M | $11M | $12M | $11M | $12M | 6.2% |
| Buybacks | $67M | $21M | — | $4M | $24M | 578% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $1M · 17
- Net
- −$1M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 154 | 194 |
| FY2024 | — | — | 131 | 160 |
| FY2023 | — | — | 92 | 128 |
| FY2022 | — | — | 99 | 109 |
| FY2021 | — | — | 196 | 125 |