$RM
Regional Management Corp.

2018 Q4 Form 10-Q Financial Statement

#000119312518322715 Filed on November 08, 2018

View on sec.gov

Income Statement

Concept 2018 Q4 2018 Q3 2017 Q3
Revenue $83.75M $77.92M $69.19M
YoY Change 16.15% 12.61% 10.75%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $29.91M $37.99M $36.14M
YoY Change 10.41% 5.12% 12.11%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.400M $2.300M $2.100M
YoY Change 14.29% 9.52% 31.25%
% of Gross Profit
Operating Expenses $60.31M $37.99M $36.14M
YoY Change 12.77% 5.12% 12.11%
Operating Profit
YoY Change
Interest Expense $9.643M $8.729M $6.658M
YoY Change 41.48% 31.11% 30.14%
% of Operating Profit
Other Income/Expense, Net $6.863M $6.523M
YoY Change 5.21% 22.8%
Pretax Income $13.79M $9.686M $8.544M
YoY Change 16.77% 13.37% -18.6%
Income Tax $3.022M $2.237M $3.235M
% Of Pretax Income 21.91% 23.1% 37.86%
Net Earnings $10.77M $7.449M $5.309M
YoY Change -1.06% 40.31% -18.02%
Net Earnings / Revenue 12.86% 9.56% 7.67%
Basic Earnings Per Share $0.92 $0.64 $0.46
Diluted Earnings Per Share $0.90 $0.61 $0.45
COMMON SHARES
Basic Shares Outstanding 11.79M shares 11.67M 11.56M shares
Diluted Shares Outstanding 12.13M 11.81M shares

Balance Sheet

Concept 2018 Q4 2018 Q3 2017 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $3.700M $500.0K $5.200M
YoY Change -28.85% -90.38% 30.0%
Cash & Equivalents $50.14M $29.84M $19.04M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $3.700M $500.0K $5.200M
YoY Change -28.85% -90.38% 30.0%
LONG-TERM ASSETS
Property, Plant & Equipment $13.93M $12.54M $12.66M
YoY Change 13.27% -0.92% 18.28%
Goodwill $716.0K
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $46.50M $29.30M $19.00M
YoY Change 176.79% 54.21% 140.51%
Total Long-Term Assets $952.7M $892.8M $774.7M
YoY Change 15.58% 15.25% 12.7%
TOTAL ASSETS
Total Short-Term Assets $3.700M $500.0K $5.200M
Total Long-Term Assets $952.7M $892.8M $774.7M
Total Assets $956.4M $893.3M $779.9M
YoY Change 15.3% 14.54% 12.8%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $25.10M $19.50M $19.00M
YoY Change 34.95% 2.63% 66.67%
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 $25.10M $19.50M $19.00M
YoY Change 34.95% 2.63% 66.67%
LONG-TERM LIABILITIES
Long-Term Debt $651.3M $604.4M $533.1M
YoY Change 14.97% 13.37% 11.2%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $651.3M $604.4M $533.1M
YoY Change 14.97% 13.37% 11.2%
TOTAL LIABILITIES
Total Short-Term Liabilities $25.10M $19.50M $19.00M
Total Long-Term Liabilities $651.3M $604.4M $533.1M
Total Liabilities $677.2M $625.9M $552.0M
YoY Change 14.77% 13.37% 12.38%
SHAREHOLDERS EQUITY
Retained Earnings $204.1M $193.3M $157.9M
YoY Change 20.94% 22.46% 19.31%
Common Stock $100.1M $99.15M $94.99M
YoY Change 4.6% 4.37% 2.34%
Preferred Stock
YoY Change
Treasury Stock (at cost) $25.05M $25.05M $25.05M
YoY Change 0.0% 0.0% 0.0%
Treasury Stock Shares $1.546M 1.546M shares 1.546M shares
Shareholders Equity $279.2M $267.4M $227.8M
YoY Change
Total Liabilities & Shareholders Equity $956.4M $893.3M $779.9M
YoY Change 15.3% 14.54% 12.8%

Cashflow Statement

Concept 2018 Q4 2018 Q3 2017 Q3
OPERATING ACTIVITIES
Net Income $10.77M $7.449M $5.309M
YoY Change -1.06% 40.31% -18.02%
Depreciation, Depletion And Amortization $2.400M $2.300M $2.100M
YoY Change 14.29% 9.52% 31.25%
Cash From Operating Activities $41.50M $44.70M $31.60M
YoY Change 28.88% 41.46% 12.86%
INVESTING ACTIVITIES
Capital Expenditures -$2.400M -$1.500M -$4.300M
YoY Change 60.0% -65.12% 26.47%
Acquisitions
YoY Change
Other Investing Activities -$64.80M -$57.60M -$62.80M
YoY Change 6.93% -8.28% -1.1%
Cash From Investing Activities -$67.20M -$59.20M -$67.10M
YoY Change 8.21% -11.77% 0.0%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 46.10M 15.10M 40.30M
YoY Change 40.12% -62.53% 0.5%
NET CHANGE
Cash From Operating Activities 41.50M 44.70M 31.60M
Cash From Investing Activities -67.20M -59.20M -67.10M
Cash From Financing Activities 46.10M 15.10M 40.30M
Net Change In Cash 20.40M 600.0K 4.800M
YoY Change 580.0% -87.5% 380.0%
FREE CASH FLOW
Cash From Operating Activities $41.50M $44.70M $31.60M
Capital Expenditures -$2.400M -$1.500M -$4.300M
Free Cash Flow $43.90M $46.20M $35.90M
YoY Change 30.27% 28.69% 14.33%

Facts In Submission

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ChangeInAllowanceAssumptionIncreaseDecreaseNetIncome
-200000
CY2018Q3 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
ChangeInAllowanceAssumptionIncreaseDecreaseInDilutedEarningsPerShare
0.01

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