Regional Management Corp. (RM) quarterly income statement — complete revenue, gross profit & net income history
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 167.29M | 103.26M | 83.04M | 76.43M | 75.2M | 77.4M | 72.63M | 71.36M | 80.38M | 55.26M | 73M | 64.71M |
| Gross Margin % | 100% | 60.86% | 50.18% | 48.54% | 49.16% | 49.99% | 49.63% | 49.89% | 55.7% | 39.01% | 51.82% | 48.48% |
| Gross Profit Growth % | 122.45% | 33.41% | 14.33% | 7.11% | -6.44% | 40.06% | -0.5% | 10.28% | 13.33% | -1.97% | 2.07% | -7.44% |
| Operating Expenses | 129.53M | 64.52M | 64.07M | 62.95M | 66.04M | 64.65M | 62.47M | 60.14M | 60.45M | 64.8M | 62.1M | 56.9M |
| OpEx % of Revenue | 77.43% | 38.02% | 38.71% | 39.98% | 43.17% | 41.75% | 42.69% | 42.05% | 41.89% | 45.74% | 44.08% | 42.62% |
| Selling, General & Admin | 68.84M | 68.39M | 56.91M | 56.03M | 59.14M | 57.9M | 55.92M | 53.99M | 54.07M | 58.53M | 55.79M | 50.74M |
| SG&A % of Revenue | 41.15% | 40.31% | 34.39% | 35.59% | 38.66% | 37.39% | 38.21% | 37.75% | 37.47% | 41.32% | 39.6% | 38.01% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 37.76M | 38.74M | 18.97M | 13.48M | 9.16M | 12.76M | 10.16M | 11.22M | 19.93M | -9.53M | 10.9M | 7.81M |
| Operating Margin % | 22.57% | 22.83% | 11.47% | 8.56% | 5.99% | 8.24% | 6.95% | 7.85% | 13.81% | -6.73% | 7.74% | 5.85% |
| Operating Income Growth % | 312.16% | 203.72% | 86.66% | 20.16% | -54.04% | 233.81% | -6.72% | 43.63% | 71.76% | -873.7% | -18.4% | -50.51% |
| EBITDA | 37.76M | 38.74M | 23.2M | 17.38M | 12.76M | 16.36M | 13.75M | 14.61M | 23.43M | -6.1M | 14.45M | 11.38M |
| EBITDA Margin % | 22.57% | 22.83% | 14.02% | 11.04% | 8.34% | 10.57% | 9.39% | 10.21% | 16.24% | -4.3% | 10.26% | 8.52% |
| EBITDA Growth % | 195.82% | 136.76% | 68.76% | 18.99% | -45.53% | 368.32% | -4.88% | 28.35% | 49.4% | -227.79% | -11.16% | -39.42% |
| D&A (Non-Cash Add-back) | 0 | 0 | 4.22M | 3.9M | 3.6M | 3.61M | 3.58M | 3.38M | 3.5M | 3.43M | 3.56M | 3.57M |
| EBIT | 37.76M | 38.74M | 18.97M | 13.48M | 9.16M | 12.76M | 10.16M | 11.22M | 19.93M | -9.53M | 10.9M | 7.81M |
| Net Interest Income | 127.37M | 130.38M | 126.7M | 120.27M | 116.78M | 118.44M | 114.58M | 110.03M | 111.31M | 108.68M | 108.07M | 101.86M |
| Interest Income | 150.3M | 153.03M | 148.67M | 140.69M | 136.55M | 138.25M | 133.93M | 127.9M | 128.82M | 126.19M | 125.02M | 118.08M |
| Interest Expense | 22.92M | 22.65M | 21.97M | 20.43M | 19.77M | 19.8M | 19.36M | 17.86M | 17.5M | 17.51M | 16.95M | 16.22M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 14.84M | 16.16M | 18.97M | 13.48M | 9.16M | 12.76M | 10.16M | 11.22M | 19.93M | -9.53M | 10.9M | 7.81M |
| Pretax Margin % | 8.87% | 9.52% | 11.47% | 8.56% | 5.99% | 8.24% | 6.95% | 7.85% | 13.81% | -6.73% | 7.74% | 5.85% |
| Income Tax | 3.43M | 3.25M | 4.62M | 3.34M | 2.15M | 2.84M | 2.5M | 2.78M | 4.73M | -1.96M | 2.08M | 1.79M |
| Effective Tax Rate % | 23.15% | 20.11% | 24.34% | 24.8% | 23.51% | 22.27% | 24.61% | 24.75% | 23.72% | 20.54% | 19.06% | 22.91% |
| Net Income | 11.4M | 12.91M | 14.36M | 10.14M | 7.01M | 9.91M | 7.66M | 8.45M | 15.21M | -7.57M | 8.82M | 6.02M |
| Net Margin % | 6.82% | 7.61% | 8.67% | 6.44% | 4.58% | 6.4% | 5.24% | 5.9% | 10.54% | -5.35% | 6.26% | 4.51% |
| Net Income Growth % | 62.71% | 30.21% | 87.34% | 20.07% | -53.92% | 230.9% | -13.12% | 40.21% | 74.99% | -416.77% | -12.4% | -49.73% |
| Net Income (Continuing) | 11.4M | 12.91M | 14.36M | 10.14M | 7.01M | 9.91M | 7.66M | 8.45M | 15.21M | -7.57M | 8.82M | 6.02M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 1.18 | 1.30 | 1.42 | 1.03 | 0.70 | 0.98 | 0.74 | 0.86 | 1.56 | -0.80 | 0.91 | 0.63 |
| EPS Growth % | 68.57% | 32.65% | 91.89% | 19.77% | -55.13% | 222.5% | -18.68% | 36.51% | 73.33% | -420% | -14.15% | -49.19% |
| EPS (Basic) | 1.24 | 1.30 | 1.53 | 1.07 | 0.73 | 1.02 | 0.77 | 0.88 | 1.59 | -0.80 | 0.94 | 0.64 |
| Diluted Shares Outstanding | 9.66M | 9.93M | 10.13M | 9.84M | 10.03M | 10.09M | 10.09M | 9.86M | 9.75M | 9.44M | 9.65M | 9.57M |
| Basic Shares Outstanding | 9.16M | 9.93M | 9.37M | 9.5M | 9.61M | 9.69M | 9.68M | 9.61M | 9.57M | 9.44M | 9.43M | 9.4M |
| Dividend Payout Ratio | - | 21.05% | 19.32% | 28.04% | 44.98% | 29.21% | 37.84% | 36.61% | 21.4% | - | 32.17% | 51.32% |