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Regional Management (RM) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Regional Management (RM) Q3 2026 earnings results →

Q3 2026 Revenue up 8% year over year to $179M · 8¢ of every $1 of revenue kept as net profit · operating margin 11.1%

Regional Management made $179M in Q3 2026 (+8% Y/Y). Operating margin 11.1%, net earnings $15.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.

Revenue$179M
Year over year+8%
Operating margin11.1%
Net earnings$15.1M
Operating cash flow$82.5M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $178.8M in Q3 2026, up 8% year over year and up 6% from the previous quarter.

Operating profit was $19.8M, a 11.1% margin (down 0.4 points year over year). Of the extra revenue versus Q3 2025, 7% reached operating profit, below the 11% margin then. Total costs grew 8% against revenue growth of 8%. Net earnings were $15.1M, up 5% year over year. The effective tax rate was 23.8%.

Operating cash flow was $82.5M (down 5% year over year), 546% of net earnings. Non-cash charges added back $5.1M of depreciation and amortization and $1.9M of share-based compensation. Working capital and other items added $60.4M. Capital expenditures of $831K left free cash flow of $81.7M.

Quarterly history

Regional Management revenue by quarterRegional Management revenue by quarter$153MQ1 2025$157MQ2 2025$165MQ3 2025$170MQ4 2025$167MQ1 2026$168MQ2 2026$179MQ3 2026
Regional Management net earnings by quarterRegional Management net earnings by quarter$7.0MQ1 2025$10.1MQ2 2025$14.4MQ3 2025$12.9MQ4 2025$11.4MQ1 2026$8.2MQ2 2026$15.1MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 30, 2026$179M+8%11.1%$15.1M$82.5M
Q2 202610-QJul 31, 2026$168M+7%6.3%$8.2M$80.8M
Q1 202610-QMay 1, 2026$167M+9%8.9%$11.4M$81.0M
Q4 202510-KFeb 20, 2026$170M+10%9.5%$12.9M$80.1M
Q3 202510-QNov 6, 2025$165M+13%11.5%$14.4M$86.7M
Q2 202510-QAug 1, 2025$157M+10%8.6%$10.1M$78.7M
Q1 202510-QMay 2, 2025$153M+6%6.0%$7.0M$63.7M

Charts

Regional Management: revenue growth, year over year and quarter over quarterRegional Management: revenue growth, year over year and quarter over quarterY/YQ/Q+6%Q1 2025+10%+3%Q2 2025+13%+5%Q3 2025+10%+3%Q4 2025+9%-1%Q1 2026+7%+0%Q2 2026+8%+6%Q3 2026
Latest (Q3 2026): Y/Y +8%, Q/Q +6%.
Regional Management: where the cash came from (+) and went (−), TTM to Q3 2026Regional Management: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$404MOperating cash flow$324MOther financing$87.5MNet borrowing (+) / repaid (−)$76.0MCash drawn (+) / kept (−)−$32.4MBuybacks−$30.2MDividends−$11.5MTaxes on employees’ shares−$5.2MCapital spending−$4.9M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Regional Management: profit against cash, quarter by quarterRegional Management: profit against cash, quarter by quarterNet incomeOperating cash flow$9.9M$63.8MQ4 2024$7.0M$63.7MQ1 2025$10.1M$78.7MQ2 2025$14.4M$86.7MQ3 2025$12.9M$80.1MQ4 2025$11.4M$81.0MQ1 2026$8.2M$80.8MQ2 2026$15.1M$82.5MQ3 2026
Latest (Q3 2026): Net income $15.1M, Operating cash flow $82.5M.
Regional Management: diluted shares by fiscal yearRegional Management: diluted shares by fiscal year11MFY202011MFY202110MFY202210MFY202310MFY202410MFY2025
-10.4% since FY2020: buybacks shrank the count.
Regional Management in its industry: growth against margin (9 companies, SIC 6141)Regional Management in its industry: growth against margin (9 companies, SIC 6141)revenue growth, year over year →↑ operating marginmedian +8%median 16%OMFAFRMBFHENVAATLCCACCHAPNWRLDRM (+8%, 11%)
Personal Credit Institutions; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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Customers and suppliers named in filings

Buys from

About Regional Management

Regional Management Corp. (NYSE: RM) is a diversified consumer finance company that provides attractive, easy-to-understand installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. Regional Management operates under the name “Regional Finance” online and in branch locations in 20 states across the United States. Each of its loan products is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. Regional Management sources loans through its multiple channel platform, which includes branches, centrally managed direct mail campaigns, digital partners, and its consumer website. For more information, please visit www.RegionalManagement.com.

In its own words, from its 8-K, filed Jul 29, 2026.

Regional Management against its Personal Credit Institutions peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 11.1% against the peers' median 15.6%.

CompanyQuarterRevenueY/YOp. margin
RM Regional ManagementQ3 2026$179M+8%11.1%
OMF OneMain HoldingsQ3 2026$1.4B+10%17.2%
AFRM Affirm HoldingsQ1 FY27$1.3B+35%14.8%
BFH Bread Financial HoldingsQ3 2026$1.0B+5%20.6%
ENVA Enova InternationalQ3 2026$1.0B+26%24.5%
ATLC Atlanticus HoldingsQ3 2026$776M+60%15.6%
CACC Credit AcceptanceQ3 2026$595M+2%-12.4%
HAPN HappenQ3 2026$263M-1%29.2%
WRLD World AcceptanceQ2 FY27$139M+3%8.4%

Source: Regional Management 10-Q on SEC EDGAR · CIK 1519401 · Personal Credit Institutions

Guidance and outlook

Regional Management: what its forward-looking statements are about (10-Q filed 2026-10-30)Regional Management: what its forward-looking statements are about (10-Q filed 2026-10-30)Other10Financing3Buybacks & dividends1
14 statements; tone -0.50 (−1 all cautious, +1 all confident); 6 hedged.
Regional Management: outlook statements against the filing beforeRegional Management: outlook statements against the filing beforeConfident1Cautious8

13F: who owns RM and who is buying

Largest holders of RM (13F)Largest holders of RM (13F)BlackRock$47.5MForager Capital Management, LLC$39.1MBasswood Capital Management, L.L.…$35.2MDimensional Fund Advisors LP$28.5MVanguard Group$17.8MVanguard Capital Management LLC$13.8MAmerican Century Companies$11.9MGeode Capital Management, LLC$9.3MRenaissance Technologies LLC$7.6MState Street$7.1M
Funds' net buying of RM by quarter (13F)Funds' net buying of RM by quarter (13F)−$1.6M2024-09−$2.2M2024-12$233K2025-03−$1.6M2025-06−$8.2M2025-09−$282K2025-12$30K2026-03$1.5M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on RM

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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