Regional Management (RM)
Provides branch-serviced installment loans to consumers with limited access to traditional credit.
$31.28
After hours+0.13 (+0.42%)
At close$31.15(−1.11%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 141 | 142 | 144 | 143 | 146 | 155 | 153 | 157 | 165 | 170 | 167 | 168 |
| Cost of revenue | 68 | 86 | 64 | 72 | 74 | 77 | 78 | 81 | 82 | 66 | 10 | 5 |
| Gross profit | 73 | 55 | 80 | 71 | 73 | 77 | 75 | 76 | 83 | 103 | 158 | 163 |
| 62 | 65 | 60 | 60 | 62 | 65 | 66 | 63 | 64 | 65 | 120 | 130 | |
| 56 | 59 | 54 | 54 | 56 | 58 | 59 | 56 | 57 | 68 | 69 | 70 | |
| Selling & marketing | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 4 | 4 | 4 | 5 |
| General & administrative | 52 | 54 | 50 | 49 | 51 | 53 | 54 | 51 | 53 | 65 | 65 | 65 |
| Other expenses | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 7 | −4 | 51 | 59 |
| Operating income | 11 | −10 | 20 | 11 | 10 | 13 | 9 | 13 | 19 | 39 | 38 | 34 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −23 | −23 | −23 | |
| Interest income | 125 | 126 | 129 | 128 | 134 | 138 | 137 | 141 | 149 | 153 | 150 | 150 |
| Interest expense | 17 | 18 | 18 | 18 | 19 | 20 | 20 | 20 | 22 | 23 | 23 | 23 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income before tax | 11 | −10 | 20 | 11 | 10 | 13 | 9 | 13 | 19 | 16 | 15 | 11 |
| Income tax expense | 2 | −2 | 5 | 3 | 3 | 3 | 2 | 3 | 5 | 3 | 3 | 2 |
| Net income from continuing operations | 9 | −8 | 15 | 8 | 8 | 10 | 7 | 10 | 14 | 13 | 11 | 8 |
| Net income | 9 | −8 | 15 | 8 | 8 | 10 | 7 | 10 | 14 | 13 | 11 | 8 |
| EPS, basic | $0.94 | −$0.80 | $1.59 | $0.88 | $0.77 | $1.02 | $0.73 | $1.07 | $1.53 | $1.30 | $1.24 | $0.91 |
| EPS, diluted | $0.91 | −$0.80 | $1.56 | $0.86 | $0.74 | $0.98 | $0.70 | $1.03 | $1.42 | $1.30 | $1.18 | $0.85 |
| Weighted average shares, basic | 9 | 9 | 10 | 10 | 10 | 10 | 10 | 10 | 9 | 10 | 9 | 9 |
| Weighted average shares, diluted | 10 | 9 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| EBITDA | 14 | −6 | 23 | 15 | 14 | 16 | 13 | 17 | 23 | 43 | 43 | 38 |
| Depreciation & amortization | 4 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 | 5 | 5 | 5 |
| EBIT | 11 | −10 | 20 | 11 | 10 | 13 | 9 | 13 | 19 | 39 | 38 | 34 |