$RM
Regional Management Corp.

2015 Q4 Form 10-K Financial Statement

#000119312517038556 Filed on February 10, 2017

View on sec.gov

Income Statement

Concept 2015 Q4 2015 Q3 2015 Q2
Revenue $56.69M $55.10M $53.00M
YoY Change 5.38% 2.2% 11.73%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $23.41M $27.32M $30.25M
YoY Change 1.52% 1.02% 21.26%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.100M $1.000M $900.0K
YoY Change 10.0% 11.11% -10.0%
% of Gross Profit
Operating Expenses $40.00M $27.32M $30.25M
YoY Change -9.81% 1.02% 21.26%
Operating Profit
YoY Change
Interest Expense $4.350M $4.335M $3.932M
YoY Change 15.08% 12.66% 10.57%
% of Operating Profit
Other Income/Expense, Net $4.597M $5.796M
YoY Change -12.69% 24.19%
Pretax Income $12.34M $10.49M $8.724M
YoY Change 117.64% 369.53% 23.52%
Income Tax $4.969M $3.987M $3.316M
% Of Pretax Income 40.27% 37.99% 38.01%
Net Earnings $7.367M $6.507M $5.408M
YoY Change 117.89% 365.78% 22.52%
Net Earnings / Revenue 13.0% 11.81% 10.2%
Basic Earnings Per Share $0.57 $0.51 $0.42
Diluted Earnings Per Share $0.56 $0.50 $0.41
COMMON SHARES
Basic Shares Outstanding 12.91M shares 12.88M shares 12.85M shares
Diluted Shares Outstanding 13.11M shares 13.08M shares

Balance Sheet

Concept 2015 Q4 2015 Q3 2015 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $7.700M $4.900M $4.800M
YoY Change 92.5% 28.95% 33.33%
Cash & Equivalents $18.16M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $7.700M $4.900M $4.800M
YoY Change 92.5% 28.95% 33.33%
LONG-TERM ASSETS
Property, Plant & Equipment $9.049M $9.377M $8.646M
YoY Change 1.62% 9.63% 9.04%
Goodwill $716.0K $716.0K $716.0K
YoY Change 0.0% 0.0% 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $12.50M $300.0K $2.300M
YoY Change 557.89% -89.66%
Total Long-Term Assets $618.7M $584.1M $556.2M
YoY Change 17.56% 12.53% 11.15%
TOTAL ASSETS
Total Short-Term Assets $7.700M $4.900M $4.800M
Total Long-Term Assets $618.7M $584.1M $556.2M
Total Assets $626.4M $589.0M $561.0M
YoY Change 18.12% 12.65% 11.31%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $12.70M $11.80M $10.70M
YoY Change 20.95% 19.19% 59.7%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $12.70M $11.80M $10.70M
YoY Change 20.95% 19.19% 59.7%
LONG-TERM LIABILITIES
Long-Term Debt $408.5M $379.6M $359.5M
YoY Change 19.65% 11.88% 10.75%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $408.5M $379.6M $359.5M
YoY Change 19.65% 11.88% 10.75%
TOTAL LIABILITIES
Total Short-Term Liabilities $12.70M $11.80M $10.70M
Total Long-Term Liabilities $408.5M $379.6M $359.5M
Total Liabilities $421.1M $391.4M $370.2M
YoY Change 19.66% 12.08% 11.47%
SHAREHOLDERS EQUITY
Retained Earnings $114.8M $107.4M $100.9M
YoY Change 25.57% 22.02% 16.47%
Common Stock $90.47M $90.20M $89.87M
YoY Change 4.07% 5.35% 5.43%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $205.2M $197.6M $190.8M
YoY Change
Total Liabilities & Shareholders Equity $626.4M $589.0M $561.0M
YoY Change 18.12% 12.65% 11.31%

Cashflow Statement

Concept 2015 Q4 2015 Q3 2015 Q2
OPERATING ACTIVITIES
Net Income $7.367M $6.507M $5.408M
YoY Change 117.89% 365.78% 22.52%
Depreciation, Depletion And Amortization $1.100M $1.000M $900.0K
YoY Change 10.0% 11.11% -10.0%
Cash From Operating Activities $21.50M $25.00M $16.50M
YoY Change 2.87% -3.47% 18.71%
INVESTING ACTIVITIES
Capital Expenditures -$2.400M -$1.500M -$1.100M
YoY Change 100.0% 15.38% -8.33%
Acquisitions
YoY Change
Other Investing Activities -$46.20M -$42.50M -$59.50M
YoY Change 113.89% 8.42% 101.01%
Cash From Investing Activities -$48.60M -$44.00M -$60.60M
YoY Change 114.1% 8.91% 96.12%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 29.80M 19.20M 46.90M
YoY Change 1390.0% 29.73% 230.28%
NET CHANGE
Cash From Operating Activities 21.50M 25.00M 16.50M
Cash From Investing Activities -48.60M -44.00M -60.60M
Cash From Financing Activities 29.80M 19.20M 46.90M
Net Change In Cash 2.700M 200.0K 2.800M
YoY Change 1250.0% -33.33% -200.0%
FREE CASH FLOW
Cash From Operating Activities $21.50M $25.00M $16.50M
Capital Expenditures -$2.400M -$1.500M -$1.100M
Free Cash Flow $23.90M $26.50M $17.60M
YoY Change 8.14% -2.57% 16.56%

Facts In Submission

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603000
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3319000
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123000
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0.4268 pure
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CY2014 us-gaap Share Based Compensation
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85000
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426000
CY2015 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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3690000
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CY2015 us-gaap Deferred Federal Income Tax Expense Benefit
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CY2015 us-gaap Deferred State And Local Income Tax Expense Benefit
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2600000
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3920000
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1.79
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338000
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800000
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1859000
CY2015 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
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4636000
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378000
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378000
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457000
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225000 shares
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1207000
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14000
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0.4715 pure
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1524000
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0.0162 pure
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P6Y1M24D
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15385000
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27000
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P12M
CY2015 rm Effective Life Of The Large Loan Product Category Previous
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500000
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2000000
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577000
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EntityRegistrantName
Regional Management Corp.
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11431000
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231000
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10-K
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0001519401
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3786000
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2016-12-31
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No
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DeferredFederalIncomeTaxExpenseBenefit
1694000
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208000
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Yes
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2.03
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508000
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800000
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6444000
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FY
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EarningsPerShareDiluted
1.99
CY2016 us-gaap Assets Fair Value Adjustment
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452000
CY2016 dei Entity Filer Category
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Accelerated Filer
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<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b><i>Marketing costs:</i></b>&#xA0;Marketing costs are expensed as incurred.</p> </div>
CY2016 us-gaap Amortization Of Intangible Assets
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1900000
CY2016 dei Entity Voluntary Filers
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No
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1584000
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63014000
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38948000
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19924000
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CY2016 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
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4848000
CY2016 us-gaap Concentration Risk Geographic
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The Company's portfolio of finance receivables is with customers living in five southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee), three southwestern states (Oklahoma, New Mexico, and Texas), and one mid-Atlantic state (Virginia)
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1902000
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-35000
CY2016 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
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64064000
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329000 shares
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CY2016 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
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CY2016 rm Finance Receivable Portfolio Turnover Rate
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CY2016 rm Financing Receivable Interest Income Suspension Period
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CY2016 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
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CY2016 rm Finance Receivables Income Recognition Contractual Delinquent Period
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