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Regional Management cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$81.7M in Q3 2026 · $320M over twelve months

Operating cash flow$82.5M
Capital spending−$831K
Free cash flow+$81.7M
Cash / net income5.5×

Analysis

In Q3 2026, Regional Management generated $82.5M of operating cash flow and spent $831K on capital projects, leaving free cash flow of $81.7M. That is $4.0M less than in Q3 2025 ($85.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $324M; the largest uses were other investing ($404M), buybacks ($30.2M), dividends ($11.5M); besides operations, cash came from other financing ($87.5M), net borrowing (+) / repaid (−) ($76.0M); the cash balance rose by $32.4M.

Operating cash flow was $82.5M against net income of $15.1M — 5.5× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$5.1M, payables +$3.1M, prepaid and other assets −$3.1M.

Free cash flow

Regional Management: free cash flow by quarterRegional Management: free cash flow by quarter$62.3MQ4 2024$62.4MQ1 2025$77.6MQ2 2025$85.7MQ3 2025$78.6MQ4 2025$79.9MQ1 2026$79.3MQ2 2026$81.7MQ3 2026
Operating cash flow less capital spending.
Regional Management: operating cash flow against capital spendingRegional Management: operating cash flow against capital spendingOperating cash flowCapital spending$63.8M$1.5MQ4 2024$63.7M$1.3MQ1 2025$78.7M$1.0MQ2 2025$86.7M$1.0MQ3 2025$80.1M$1.5MQ4 2025$81.0M$1.1MQ1 2026$80.8M$1.5MQ2 2026$82.5M$831KQ3 2026
Latest (Q3 2026): Operating cash flow $82.5M, Capital spending $831K.

Capital allocation, year by year

Regional Management: where the cash came from (up) and went (down), by fiscal yearRegional Management: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $189MFY2021: Net borrowing −$83.7MFY2021: Capital spending −$3.6MFY2021: Buybacks −$67.4MFY2021: Dividends −$9.5M$189MFY2021FY2022: Operating cash flow $224MFY2022: Net borrowing −$78.3MFY2022: Capital spending −$5.9MFY2022: Buybacks −$20.6MFY2022: Dividends −$11.4M$224MFY2022FY2023: Operating cash flow $249MFY2023: Net borrowing $78.6MFY2023: Shares issued $289KFY2023: Capital spending −$4.7MFY2023: Dividends −$11.9M$328MFY2023FY2024: Operating cash flow $269MFY2024: Net borrowing $70.3MFY2024: Capital spending −$5.1MFY2024: Buybacks −$3.5MFY2024: Dividends −$12.1M$339MFY2024FY2025: Operating cash flow $309MFY2025: Net borrowing −$45.3MFY2025: Capital spending −$4.8MFY2025: Buybacks −$24.0MFY2025: Dividends −$11.5M$309MFY2025
Over these 5 years operating cash flow totalled $1.2B; the largest uses were net borrowing ($207M) and buybacks ($116M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$7.6M
Debt$1.7B
Net debt$1.7B

Regional Management funds itself: free cash flow was $320M over the last twelve months, and $7.6M of cash and investments stands against $1.7B of debt.

Where the cash came from and went

Regional Management: sources (+) and uses (−) of cash, Q3 2026Regional Management: sources (+) and uses (−) of cash, Q3 2026Other investing−$120MNet borrowing (+) / repaid (−)$118MOperating cash flow$82.5MOther financing−$44.2MCash drawn (+) / kept (−)−$22.3MBuybacks−$10.0MDividends−$2.6MCapital spending−$831KTaxes on employees’ shares−$732K
Regional Management: sources (+) and uses (−) of cash, TTM to Q3 2026Regional Management: sources (+) and uses (−) of cash, 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 profit to cash

Regional Management: net income to operating cash flow, Q3 2026Regional Management: net income to operating cash flow, Q3 2026Net income$15.1MDepreciation & amortization$5.1MStock-based pay$1.9MDeferred taxes−$1.4MPayables$3.1MPrepaid and other assets−$3.1MOperating cash flow$82.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$82.5M−$831K−$10.0M−$2.6M$118M−$22.3M$81.7M
Q2 2026$80.8M−$1.5M−$5.1M−$2.7M$74.0M−$15.4M$79.3M
Q1 2026$81.0M−$1.1M−$7.5M−$3.4M−$4.2M−$5.2M$79.9M
Q4 2025$80.1M−$1.5M−$7.5M−$2.7M−$112M$10.5M$78.6M
Q3 2025$86.7M−$1.0M−$5.0M−$2.8M$134M$13.4M$85.7M
Q2 2025$78.7M−$1.0M−$5.0M−$2.8M$107M$4.5M$77.6M
Q1 2025$63.7M−$1.3M−$6.5M−$3.2M−$175M$9.2M$62.4M
Q4 2024$63.8M−$1.5M—−$2.9M$66.1M−$15.3M$62.3M

Regional Management: income statement and cash flow

Regional Management, Q3 2026: revenue $179M (+8% year over year), operating margin 11.1%. The chart follows the revenue to costs, profit and cash.

Regional Management: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.