$RM
Regional Management Corp.

2013 Q4 Form 10-Q Financial Statement

#000119312513435393 Filed on November 08, 2013

View on sec.gov

Income Statement

Concept 2013 Q4 2013 Q3 2012 Q4
Revenue $48.54M $44.31M $36.89M
YoY Change 31.59% 25.25% 25.35%
Cost Of Revenue $0.00 $0.00
YoY Change -100.0%
Gross Profit $48.21M $48.54M
YoY Change -0.68% 65.95%
Gross Profit Margin 99.32% 131.58%
Selling, General & Admin $14.86M $18.52M $14.49M
YoY Change 2.55% 23.41% 76.92%
% of Gross Profit 30.82% 29.85%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.000M $800.0K $700.0K
YoY Change 42.86% 33.33% 75.0%
% of Gross Profit 2.07% 1.44%
Operating Expenses $31.71M $18.52M $31.12M
YoY Change 1.9% 23.41% 95.23%
Operating Profit $16.50M $17.42M
YoY Change -5.28% 30.88%
Interest Expense $3.909M $3.913M $3.024M
YoY Change 29.27% 44.66% -191.64%
% of Operating Profit 23.69% 17.36%
Other Income/Expense, Net $3.703M
YoY Change 31.78%
Pretax Income $12.59M $11.78M $13.52M
YoY Change -6.88% 6.15% 35.06%
Income Tax $5.130M $4.539M $3.552M
% Of Pretax Income 40.75% 38.53% 26.27%
Net Earnings $8.385M $7.241M $6.469M
YoY Change 29.62% 6.36% 1.08%
Net Earnings / Revenue 17.27% 16.34% 17.54%
Basic Earnings Per Share $0.66 $0.58 $0.52
Diluted Earnings Per Share $0.65 $0.56 $0.51
COMMON SHARES
Basic Shares Outstanding 12.61M shares 12.59M shares
Diluted Shares Outstanding 12.93M shares

Balance Sheet

Concept 2013 Q4 2013 Q3 2012 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.100M $7.900M $3.300M
YoY Change 24.24% 79.55% -31.25%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.100M $7.900M $3.300M
YoY Change 24.24% -144.63% -122.76%
LONG-TERM ASSETS
Property, Plant & Equipment $7.100M $7.088M $5.111M
YoY Change 38.92% 38.98% 16.16%
Goodwill $716.0K $716.0K $363.0K
YoY Change 97.25% 0.0%
Intangibles $1.462M $1.815M
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets $529.8M $505.2M $431.2M
YoY Change 22.86% 22.61% 35.3%
TOTAL ASSETS
Total Short-Term Assets $4.100M $7.900M $3.300M
Total Long-Term Assets $529.8M $505.2M $431.2M
Total Assets $533.9M $513.1M $434.5M
YoY Change 22.87% 30.12% 42.84%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $7.300M $5.200M $7.000M
YoY Change 4.29% -3.7% -5.41%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $7.300M $5.200M $7.000M
YoY Change 4.29% -23.53% -5.41%
LONG-TERM LIABILITIES
Long-Term Debt $362.8M $347.7M $292.4M
YoY Change 24.08% 34.61% 26.14%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $362.8M $347.7M $292.4M
YoY Change 24.08% 34.61% 26.14%
TOTAL LIABILITIES
Total Short-Term Liabilities $7.300M $5.200M $7.000M
Total Long-Term Liabilities $362.8M $347.7M $292.4M
Total Liabilities $372.7M $359.8M $305.3M
YoY Change 22.08% 32.95% 27.59%
SHAREHOLDERS EQUITY
Retained Earnings $76.59M $70.37M $47.80M
YoY Change 60.24% 107.41%
Common Stock $84.58M $82.92M $81.41M
YoY Change 3.9% 8615.95%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $161.2M $153.3M $129.2M
YoY Change
Total Liabilities & Shareholders Equity $533.9M $513.1M $434.5M
YoY Change 22.87% 30.12% 42.84%

Cashflow Statement

Concept 2013 Q4 2013 Q3 2012 Q4
OPERATING ACTIVITIES
Net Income $8.385M $7.241M $6.469M
YoY Change 29.62% 6.36% 1.08%
Depreciation, Depletion And Amortization $1.000M $800.0K $700.0K
YoY Change 42.86% 33.33% 75.0%
Cash From Operating Activities $22.20M $19.80M $15.90M
YoY Change 39.62% 48.87% 3.92%
INVESTING ACTIVITIES
Capital Expenditures -$700.0K -$700.0K -$400.0K
YoY Change 75.0% 40.0% -33.33%
Acquisitions
YoY Change
Other Investing Activities -$40.90M -$59.70M -$48.70M
YoY Change -16.02% 5.29% 70.28%
Cash From Investing Activities -$41.70M -$60.20M -$49.10M
YoY Change -15.07% 5.24% 68.15%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 15.60M 45.50M 32.00M
YoY Change -51.25% -1.09% 101.26%
NET CHANGE
Cash From Operating Activities 22.20M 19.80M 15.90M
Cash From Investing Activities -41.70M -60.20M -49.10M
Cash From Financing Activities 15.60M 45.50M 32.00M
Net Change In Cash -3.900M 5.100M -1.200M
YoY Change 225.0% 142.86% -160.0%
FREE CASH FLOW
Cash From Operating Activities $22.20M $19.80M $15.90M
Capital Expenditures -$700.0K -$700.0K -$400.0K
Free Cash Flow $22.90M $20.50M $16.30M
YoY Change 40.49% 48.55% 2.52%

Facts In Submission

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dei Entity Registrant Name
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dei Amendment Flag
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dei Entity Filer Category
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dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2013
dei Document Type
DocumentType
10-Q
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Nonvested Options Forfeited Number Of Shares
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dei Document Period End Date
DocumentPeriodEndDate
2013-09-30
dei Entity Central Index Key
EntityCentralIndexKey
0001519401
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q3
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Number Of Shares
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us-gaap Earnings Per Share Basic
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us-gaap Stock Issued During Period Shares Stock Options Exercised
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us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div> <p style="MARGIN-TOP: 12pt; FONT-FAMILY: Times New Roman; MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt"> <b>Reclassifications:</b> Certain prior period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders&#x2019; equity.</p> </div>
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
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ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
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EarningsPerShareBasic
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P10Y
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