Regional Management Corp.

RMNYSEFinancial Services● Active

$35.71

$-0.22(-0.61%)

Market Cap$328823037

P/E Ratio—

52W High$46

52W Low$26.8

Avg Volume59K

Open$35.74

Beta1.02

Overview

Regional Management Corp. (RM) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

RM · free cash flow · updated Jun 8, 2026

Core FCF metrics

RM · FCF · TTM · margin & CAGR

Free cash flow was $292.0M for FY2025 (fiscal year ending 2025-12-31), up 10.7% year-over-year The FCF margin was 45.2%. Five-year CAGR stands at +11.8%.

FY2025 Free Cash Flow$292.0M▲ +10.7% YoY

Trailing 12M (TTM)$312.5Mtrailing 4 quarters sum

FCF Margin45.2%$292.0M ÷ revenue

3-Year CAGR+11.1%FY2022 → FY2025

5-Year CAGR+11.8%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

RM · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$309.1M(17M)$292.0M▲ +10.7%45.2%

FY2024$268.9M(5M)$263.9M▲ +11.3%44.8%

FY2023$249.2M(12M)$237.1M▲ +11.4%43.0%

FY2022$224.3M(11M)$212.9M▲ +16.9%42.0%

FY2021$189.0M(7M)$182.2M▲ +9.2%42.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

RM · P/FCF · FCF yield · FCF per share

Regional Management Corp. (RM) trades at a FCF yield of 94.92% and a price-to-free-cash-flow ratio of 1.1x. FCF per share stands at $31.47, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

94.92%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$31.47

TTM FCF ÷ Shares Outstanding

Price / FCF

x1.1

Share Price ÷ FCF per Share

EV / FCF (TTM)

x6.0

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

RM · cash flow statement · operating / investing / financing

For FY2025, Regional Management Corp. generated $309.1M in operating cash flow and spent 17M in capital expenditures, yielding $292.0M in free cash flow.

Operating Activities

+$309.1M

Cash from core business operations

2025-12-31

Investing Activities

−$471.2M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$124.5M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($309.1M) − |CapEx| (17M) = FCF ($292.0M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

RM vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Regional Management Corp.YOU

$292.0M+10.7%45.2%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Regional Management Corp. (RM) reported free cash flow of $292.0M for FY2025 (fiscal year ending 2025-12-31), up 10.7% year-over-year. The FCF margin was 45.2%.

Based on available data, Regional Management Corp. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $292.0M in FY2025. The 5-year CAGR stands at +11.8%.

Regional Management Corp.'s FCF yield is 94.92% and price-to-FCF ratio is 1.1x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

RM free cash flow · 8 questions

Regional Management Corp. free cash flow was $292.0M for FY2025, up 10.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $312.5M.

RM free cash flowRM FCFRM FCF 2025RM free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Regional Management Corp. · Regional Management Corp. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026