| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 6.88% | 7.01% | 2.89% | 10.10% | 20.70% | 7.15% | 12.58% | 11.52% | 11.00% | 9.99% | 10.75% | 7.23% |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | 4.40 | 4.12 | 4.33 | 4.36 | 3.88 | 2.80 | 2.64 | 2.33 | 2.37 | 2.36 | 2.00 | 1.91 |
| ROE | 11.90% | 11.55% | 4.95% | 16.60% | 31.37% | 9.82% | 14.77% | 12.66% | 12.52% | 11.58% | 11.38% | 8.30% |
| ROA | 2.11% | 2.16% | 0.89% | 2.97% | 6.08% | 2.42% | 3.86% | 3.70% | 3.61% | 3.37% | 3.71% | 2.79% |
| Asset Turnover | 0.31 | 0.31 | 0.31 | 0.29 | 0.29 | 0.34 | 0.31 | 0.32 | 0.33 | 0.34 | 0.35 | 0.39 |
| Book Value / Share | 37.37 | 35.86 | 33.59 | 31.96 | 26.57 | 24.42 | 25.72 | 23.11 | 20.32 | 17.17 | 15.70 | 13.77 |
Regional Management Corp. is a key player in the financial services industry, specializing in providing credit solutions to consumers in the United States. As a consumer finance company, its primary function is to originate and manage small to medium-sized installment loans, offering customers personal loans with fixed rates and terms tailored to meet diverse financial needs. The company primarily services financially underbanked customers by offering loans for debt consolidation, reestablishment of credit, or major life events, highlighting its role in enhancing consumer financial flexibility. Notable for its focus on underserved markets, Regional Management Corp. operates a network of branch locations across various states, facilitating customer engagement through personal service and local expertise. The company impacts sectors such as consumer finance, credit services, and retail lending, by bridging gaps in traditional banking systems, thereby contributing to economic stability and personal financial empowerment in local communities. Through a commitment to responsible lending practices, Regional Management Corp. plays a significant role in providing access to credit, helping clients manage financial challenges with dignity and transparency.