Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $241M | $272M | $307M | $356M | $374M | $428M | $507M | $551M | $589M | $646M |
| Revenue growth | — | 13.3% | 12.6% | 16.0% | 5.1% | 14.6% | 18.4% | 8.7% | 6.7% | 9.7% |
| Net income | $24.0M | $30.0M | $35.3M | $44.7M | $26.7M | $88.7M | $51.2M | $16.0M | $41.2M | $44.4M |
| Net margin | 10.0% | 11.0% | 11.5% | 12.6% | 7.1% | 20.7% | 10.1% | 2.9% | 7.0% | 6.9% |
| EPS (diluted) | $1.99 | $2.54 | $2.93 | $3.80 | $2.40 | $8.33 | $5.30 | $1.66 | $4.14 | $4.45 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $100M | $115M | $146M | $158M | $165M | $189M | $224M | $249M | $269M | $309M |
| Capital expenditures | $6.43M | $4.76M | $5.35M | $5.80M | $3.93M | $3.59M | $5.87M | $4.69M | $5.05M | $4.76M |
| Free cash flow | $93.8M | $111M | $141M | $152M | $161M | $185M | $218M | $244M | $264M | $304M |
| Share buybacks | $25.0M | — | — | $25.0M | $12.0M | $67.4M | $20.6M | — | $3.54M | $24.0M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $12.7M | $22.0M | $50.1M | $56.4M | $71.9M | $149M | $132M | $129M | $136M | $98.0M |
| Total assets | $712M | $829M | $956M | $1.16B | $1.10B | $1.46B | $1.72B | $1.79B | $1.91B | $2.10B |
| Total liabilities | $505M | $590M | $677M | $856M | $832M | $1.18B | $1.42B | $1.47B | $1.55B | $1.73B |
| Long-term debt | $490M | $567M | $651M | $799M | $762M | $1.10B | $1.35B | $1.40B | $1.47B | $1.64B |
| Shareholders' equity | $207M | $239M | $279M | $303M | $272M | $283M | $309M | $322M | $357M | $373M |
| Retained earnings | $139M | $169M | $204M | $249M | $227M | $306M | $346M | $350M | $378M | $411M |
| Shares (wtd avg diluted) | 12.1M | 11.8M | 12.1M | 11.8M | 11.1M | 10.6M | 9.66M | 9.59M | 9.96M | 9.98M |
Every figure is extracted from Regional Management Corp.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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