$RM
Regional Management Corp.

2019 Q4 Form 10-Q Financial Statement

#000119312519286080 Filed on November 06, 2019

View on sec.gov

Income Statement

Concept 2019 Q4 2019 Q3 2018 Q3
Revenue $97.98M $91.71M $77.92M
YoY Change 17.0% 17.7% 12.61%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $33.08M $42.56M $37.99M
YoY Change 10.6% 12.03% 5.12%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.900M $2.700M $2.300M
YoY Change 20.83% 17.39% 9.52%
% of Gross Profit
Operating Expenses $66.93M $42.56M $37.99M
YoY Change 10.98% 12.03% 5.12%
Operating Profit
YoY Change
Interest Expense $10.29M $10.35M $8.729M
YoY Change 6.66% 18.55% 31.11%
% of Operating Profit
Other Income/Expense, Net $7.612M $6.863M
YoY Change 10.91% 5.21%
Pretax Income $20.77M $16.68M $9.686M
YoY Change 50.62% 72.18% 13.37%
Income Tax $5.086M $4.105M $2.237M
% Of Pretax Income 24.49% 24.61% 23.1%
Net Earnings $15.68M $12.57M $7.449M
YoY Change 45.62% 68.77% 40.31%
Net Earnings / Revenue 16.01% 13.71% 9.56%
Basic Earnings Per Share $1.44 $1.11 $0.64
Diluted Earnings Per Share $1.38 $1.08 $0.61
COMMON SHARES
Basic Shares Outstanding 11.03M 11.30M 11.67M
Diluted Shares Outstanding 11.68M 12.13M

Balance Sheet

Concept 2019 Q4 2019 Q3 2018 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $2.300M $2.000M $500.0K
YoY Change -37.84% 300.0% -90.38%
Cash & Equivalents $56.43M $45.70M $29.84M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $2.300M $2.000M $500.0K
YoY Change -37.84% 300.0% -90.38%
LONG-TERM ASSETS
Property, Plant & Equipment $15.30M $14.51M $12.54M
YoY Change 9.87% 15.73% -0.92%
Goodwill $716.0K
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $54.80M $45.10M $29.30M
YoY Change 17.85% 53.92% 54.21%
Total Long-Term Assets $1.156B $1.084B $892.8M
YoY Change 21.37% 21.44% 15.25%
TOTAL ASSETS
Total Short-Term Assets $2.300M $2.000M $500.0K
Total Long-Term Assets $1.156B $1.084B $892.8M
Total Assets $1.159B $1.086B $893.3M
YoY Change 21.14% 21.59% 14.54%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $28.70M $25.80M $19.50M
YoY Change 14.34% 32.31% 2.63%
Accrued Expenses $28.50M $27.70M
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 $57.20M $53.50M $19.50M
YoY Change 127.89% 174.36% 2.63%
LONG-TERM LIABILITIES
Long-Term Debt $798.6M $736.0M $604.4M
YoY Change 22.62% 21.77% 13.37%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $798.6M $736.0M $604.4M
YoY Change 22.62% 21.77% 13.37%
TOTAL LIABILITIES
Total Short-Term Liabilities $57.20M $53.50M $19.50M
Total Long-Term Liabilities $798.6M $736.0M $604.4M
Total Liabilities $855.8M $789.5M $625.9M
YoY Change 26.36% 26.15% 13.37%
SHAREHOLDERS EQUITY
Retained Earnings $248.8M $233.1M $193.3M
YoY Change 21.92% 20.6% 22.46%
Common Stock $104.0M $103.0M $99.15M
YoY Change 3.91% 3.92% 4.37%
Preferred Stock
YoY Change
Treasury Stock (at cost) $50.07M $39.49M $25.05M
YoY Change 99.93% 57.68% 0.0%
Treasury Stock Shares $2.484M $2.104M 1.546M shares
Shareholders Equity $302.8M $296.7M $267.4M
YoY Change
Total Liabilities & Shareholders Equity $1.159B $1.086B $893.3M
YoY Change 21.14% 21.59% 14.54%

Cashflow Statement

Concept 2019 Q4 2019 Q3 2018 Q3
OPERATING ACTIVITIES
Net Income $15.68M $12.57M $7.449M
YoY Change 45.62% 68.77% 40.31%
Depreciation, Depletion And Amortization $2.900M $2.700M $2.300M
YoY Change 20.83% 17.39% 9.52%
Cash From Operating Activities $50.20M $48.30M $44.70M
YoY Change 20.96% 8.05% 41.46%
INVESTING ACTIVITIES
Capital Expenditures -$2.400M -$1.600M -$1.500M
YoY Change 0.0% 6.67% -65.12%
Acquisitions
YoY Change
Other Investing Activities -$87.30M -$89.60M -$57.60M
YoY Change 34.72% 55.56% -8.28%
Cash From Investing Activities -$89.70M -$91.20M -$59.20M
YoY Change 33.48% 54.05% -11.77%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 50.30M 46.10M 15.10M
YoY Change 9.11% 205.3% -62.53%
NET CHANGE
Cash From Operating Activities 50.20M 48.30M 44.70M
Cash From Investing Activities -89.70M -91.20M -59.20M
Cash From Financing Activities 50.30M 46.10M 15.10M
Net Change In Cash 10.80M 3.200M 600.0K
YoY Change -47.06% 433.33% -87.5%
FREE CASH FLOW
Cash From Operating Activities $50.20M $48.30M $44.70M
Capital Expenditures -$2.400M -$1.600M -$1.500M
Free Cash Flow $52.60M $49.90M $46.20M
YoY Change 19.82% 8.01% 28.69%

Facts In Submission

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LoansAndLeasesReceivableNetOfDeferredIncome
1042186000
CY2018Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
932243000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
72161000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
68528000
CY2018Q4 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.077
CY2018Q4 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1.000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
39563000
CY2019Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
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CY2018Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
888076000
CY2018Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
17861000
CY2019Q3 us-gaap Short Term Lease Cost
ShortTermLeaseCost
81000
us-gaap Short Term Lease Cost
ShortTermLeaseCost
248000
CY2019Q3 us-gaap Lease Cost
LeaseCost
2016000
us-gaap Lease Cost
LeaseCost
6051000
CY2019Q3 us-gaap Operating Lease Payments
OperatingLeasePayments
1974000
us-gaap Operating Lease Payments
OperatingLeasePayments
5407000
CY2019Q3 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
1619000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
7744000
CY2019Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
57200000
CY2018Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
48450000
CY2018Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
58300000
CY2017Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
48910000
CY2019Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
24515000
CY2018Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
23640000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
73572000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
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us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
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us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
60547000
CY2019Q3 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
1119000
CY2018Q3 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
1071000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
3340000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
3579000
CY2019Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
60900000
CY2018Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
55300000
CY2018 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.029
CY2019Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
31064000
CY2019Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1011122000
CY2019Q3 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
4959000
CY2019Q3 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
12075000
CY2019Q3 rm Amount Of General Component Of Reserve
AmountOfGeneralComponentOfReserve
48825000
CY2018Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
26585000
CY2018Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
905658000
CY2018Q4 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
3716000
CY2018Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
11204000
CY2018Q4 rm Amount Of General Component Of Reserve
AmountOfGeneralComponentOfReserve
47096000
CY2019Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
30248000
CY2018Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
21415000
CY2018Q3 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
578000
CY2019Q3 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
1147000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
28949000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
20004000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
1888000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
2930000
CY2018Q4 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
660507000
CY2019Q3 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
743835000
CY2019Q3 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
7828000
CY2018Q4 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
9158000
CY2018Q4 us-gaap Long Term Debt
LongTermDebt
651349000
CY2019Q3 us-gaap Long Term Debt
LongTermDebt
736007000
CY2019Q3 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
311254000
CY2018Q4 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
406600000
rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.030
CY2019Q3 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.066
CY2019Q3 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1.000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
35912000
CY2019Q3 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.034
CY2019Q3 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
1445000
CY2019Q3 us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
7302000
CY2019Q3 us-gaap Net Income Loss
NetIncomeLoss
12572000
CY2018Q3 us-gaap Net Income Loss
NetIncomeLoss
7449000
us-gaap Net Income Loss
NetIncomeLoss
29049000
CY2019Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11302000
CY2018Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11672000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11572000
CY2019Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
375000
CY2018Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
461000
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
352000
CY2019Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11677000
CY2018Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12133000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11924000
CY2019Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.11
CY2018Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.64
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.51
CY2018Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.61
us-gaap Net Income Loss
NetIncomeLoss
24575000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11649000
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
452000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12101000
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.11
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.03
CY2019Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
10.47
CY2018Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
0
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
11.79
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
12.39
CY2019Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
0
CY2018Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1604000
CY2019Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
37000
CY2018Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
0
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
37000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
199000
CY2018Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
981000
CY2018Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
18.69
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
121000
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
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us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
18000
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
25.29
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
0
CY2019Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
1084000
CY2019Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
875000
CY2019Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
19.56
CY2019Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
17.85
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P5Y7M6D
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P4Y9M18D
CY2019Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
9478000
CY2019Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
9170000
CY2019Q3 us-gaap Treasury Stock Shares
TreasuryStockShares
2104000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4107
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4163
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P6Y
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P6Y
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0243
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0266
us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
14446000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
14446000
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
59000
CY2019Q2 us-gaap Stock Repurchase Program Authorized Amount1
StockRepurchaseProgramAuthorizedAmount1
25000000
CY2019Q4 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
11027101
dei Security Exchange Name
SecurityExchangeName
NYSE
dei Security12b Title
Security12bTitle
Common Stock
dei Entity Address State Or Province
EntityAddressStateOrProvince
SC
us-gaap Use Of Estimates
UseOfEstimates
<div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;">Use of estimates:</div></div>&#160;The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of<div style="letter-spacing: 0px; top: 0px; color: rgb(0, 0, 0);;display:inline;">&#160;</div>assets and liabilities, revenues and expenses, and disclosure of contingent assets and liabilities for the periods indicated in the financial statements. Actual results could differ from those estimates. </div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, the fair value of share-based compensation, the valuation of deferred tax assets and liabilities, contingent liabilities on litigation matters, and the allocation of the purchase price to assets acquired in business combinations. </div></div><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; line-height: 0pt;">&#160;</div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2018Q3 rm Change In Allowance Assumption Increase Decrease Net Income
ChangeInAllowanceAssumptionIncreaseDecreaseNetIncome
-200000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Expiration Period
SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod
P10Y
CY2019Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.08
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.44
CY2018Q3 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
ChangeInAllowanceAssumptionIncreaseDecreaseInDilutedEarningsPerShare
0.01
us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
0
CY2019Q3 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
13513000
CY2019Q3 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
11409000
us-gaap Nature Of Operations
NatureOfOperations
<div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Note&#160;1. Nature of Business </div></div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt;">Regional Management Corp. (the &#8220;<div style="text-decoration:underline;display:inline;">Company</div>&#8221;) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans, large loans, retail loans, and related payment and collateral protection insurance products. The Company previously offered automobile loans, but it ceased such originations in November 2017. As of September&#160;30, 2019, the Company operated under the name &#8220;Regional Finance&#8221; in <div style="color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">358</div></div> branch locations across 11 states in the Southeastern, Southwestern, <div style="white-space: nowrap; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Mid-Atlantic,</div> and Midwestern United States.</div><div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="float: none; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-family: &quot;times new roman&quot;; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: 0px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; display: inline !important; top: 0px;;display:inline;">The Company&#8217;s loan volume and contractual delinquency follow seasonal trends. Demand for the Company&#8217;s small and large loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation, back-to-school, and holiday spending. Loan demand has generally been the lowest during the first quarter, which the Company believes is largely due to the timing of income tax refunds. Delinquencies generally reach their lowest point in the first half of the year and rise in the second half of the year. Consequently, the Company experiences seasonal fluctuations in its operating results and cash needs.</div><div style="color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"> </div></div> <table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2019Q3 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.058
CY2018Q3 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.062
CY2019Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P5Y6M
CY2019Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0547
CY2019Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
27714000
us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
558000
us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
14400000
rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.2
CY2019Q3 rm Provision For Corporate Taxes
ProvisionForCorporateTaxes
4103000
CY2018Q3 rm Provision For Corporate Taxes
ProvisionForCorporateTaxes
2237000
rm Provision For Corporate Taxes
ProvisionForCorporateTaxes
9223000
rm Provision For Corporate Taxes
ProvisionForCorporateTaxes
7843000
CY2019Q3 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
2000
us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
-48000
us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
-308000
dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
dei Document Type
DocumentType
10-Q
dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes
dei Amendment Flag
AmendmentFlag
false
dei Document Period End Date
DocumentPeriodEndDate
2019-09-30
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2019
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q3
dei Trading Symbol
TradingSymbol
RM
dei Entity Central Index Key
EntityCentralIndexKey
0001519401
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
dei Entity Shell Company
EntityShellCompany
false
dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
dei Entity Small Business
EntitySmallBusiness
false
dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
us-gaap Stock Repurchase Program Expiration Date
StockRepurchaseProgramExpirationDate
2021-05-06
CY2019Q3 us-gaap Number Of Stores
NumberOfStores
358
CY2019Q3 us-gaap Number Of States In Which Entity Operates
NumberOfStatesInWhichEntityOperates
11
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; line-height: 10pt;">&#160;</div><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; line-height: 10pt;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-family: &quot;times new roman&quot;, times, serif; letter-spacing: 0px; top: 0px;;display:inline;"><div style="color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-size: 10pt;;font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;">Reclassifications:</div></div><div style="font-size: 10pt;;font-weight:bold;display:inline;"> </div>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&#8217; equity.</div></div></div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>

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