$RM
Regional Management Corp.

2014 Q4 Form 10-Q Financial Statement

#000119312514406328 Filed on November 10, 2014

View on sec.gov

Income Statement

Concept 2014 Q4 2014 Q3 2013 Q3
Revenue $53.79M $53.91M $44.31M
YoY Change 10.82% 21.68% 25.25%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $23.06M $27.04M $18.52M
YoY Change 55.18% 46.03% 23.41%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.000M $900.0K $800.0K
YoY Change 0.0% 12.5% 33.33%
% of Gross Profit
Operating Expenses $44.35M $27.04M $18.52M
YoY Change 39.86% 46.03% 23.41%
Operating Profit
YoY Change
Interest Expense $3.780M $3.848M $3.913M
YoY Change -3.3% -1.66% 44.66%
% of Operating Profit
Other Income/Expense, Net $5.265M $3.703M
YoY Change 42.18% 31.78%
Pretax Income $5.670M $2.235M $11.78M
YoY Change -54.96% -81.03% 6.15%
Income Tax $2.285M $838.0K $4.539M
% Of Pretax Income 40.3% 37.49% 38.53%
Net Earnings $3.381M $1.397M $7.241M
YoY Change -59.68% -80.71% 6.36%
Net Earnings / Revenue 6.29% 2.59% 16.34%
Basic Earnings Per Share $0.27 $0.11 $0.58
Diluted Earnings Per Share $0.26 $0.11 $0.56
COMMON SHARES
Basic Shares Outstanding 12.74M shares 12.71M shares 12.59M shares
Diluted Shares Outstanding 12.93M shares 12.93M shares

Balance Sheet

Concept 2014 Q4 2014 Q3 2013 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.000M $3.800M $7.900M
YoY Change -2.44% -51.9% 79.55%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.000M $3.800M $7.900M
YoY Change -2.44% -51.9% -144.63%
LONG-TERM ASSETS
Property, Plant & Equipment $8.905M $8.553M $7.088M
YoY Change 25.42% 20.67% 38.98%
Goodwill $716.0K $716.0K $716.0K
YoY Change 0.0% 0.0%
Intangibles $1.462M
YoY Change
Long-Term Investments
YoY Change
Other Assets $1.900M $2.900M
YoY Change
Total Long-Term Assets $526.3M $519.0M $505.2M
YoY Change -0.66% 2.75% 22.61%
TOTAL ASSETS
Total Short-Term Assets $4.000M $3.800M $7.900M
Total Long-Term Assets $526.3M $519.0M $505.2M
Total Assets $530.3M $522.8M $513.1M
YoY Change -0.68% 1.9% 30.12%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $10.50M $9.900M $5.200M
YoY Change 43.84% 90.38% -3.7%
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 $10.50M $9.900M $5.200M
YoY Change 43.84% 90.38% -23.53%
LONG-TERM LIABILITIES
Long-Term Debt $341.4M $339.3M $347.7M
YoY Change -5.9% -2.42% 34.61%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $341.4M $339.3M $347.7M
YoY Change -5.9% -2.42% 34.61%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.50M $9.900M $5.200M
Total Long-Term Liabilities $341.4M $339.3M $347.7M
Total Liabilities $351.9M $349.2M $359.8M
YoY Change -5.57% -2.94% 32.95%
SHAREHOLDERS EQUITY
Retained Earnings $91.39M $88.01M $70.37M
YoY Change 19.33% 25.07%
Common Stock $86.93M $85.62M $82.92M
YoY Change 2.78% 3.25%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $178.3M $173.6M $153.3M
YoY Change
Total Liabilities & Shareholders Equity $530.3M $522.8M $513.1M
YoY Change -0.68% 1.9% 30.12%

Cashflow Statement

Concept 2014 Q4 2014 Q3 2013 Q3
OPERATING ACTIVITIES
Net Income $3.381M $1.397M $7.241M
YoY Change -59.68% -80.71% 6.36%
Depreciation, Depletion And Amortization $1.000M $900.0K $800.0K
YoY Change 0.0% 12.5% 33.33%
Cash From Operating Activities $20.90M $25.90M $19.80M
YoY Change -5.86% 30.81% 48.87%
INVESTING ACTIVITIES
Capital Expenditures -$1.200M -$1.300M -$700.0K
YoY Change 71.43% 85.71% 40.0%
Acquisitions
YoY Change
Other Investing Activities -$21.60M -$39.20M -$59.70M
YoY Change -47.19% -34.34% 5.29%
Cash From Investing Activities -$22.70M -$40.40M -$60.20M
YoY Change -45.56% -32.89% 5.24%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 2.000M 14.80M 45.50M
YoY Change -87.18% -67.47% -1.09%
NET CHANGE
Cash From Operating Activities 20.90M 25.90M 19.80M
Cash From Investing Activities -22.70M -40.40M -60.20M
Cash From Financing Activities 2.000M 14.80M 45.50M
Net Change In Cash 200.0K 300.0K 5.100M
YoY Change -105.13% -94.12% 142.86%
FREE CASH FLOW
Cash From Operating Activities $20.90M $25.90M $19.80M
Capital Expenditures -$1.200M -$1.300M -$700.0K
Free Cash Flow $22.10M $27.20M $20.50M
YoY Change -3.49% 32.68% 48.55%

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