$RM
Regional Management Corp.

2021 Q3 Form 10-Q Financial Statement

#000156459021054501 Filed on November 04, 2021

View on sec.gov

Income Statement

Concept 2021 Q3 2020 Q3 2020 Q2
Revenue $111.5M $90.54M $89.85M
YoY Change 23.11% -1.27% 6.62%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $37.81M $36.31M $34.55M
YoY Change 4.14% -14.69% -13.63%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.894M $3.700M $2.800M
YoY Change -21.78% 37.04% 3.7%
% of Gross Profit
Operating Expenses $75.85M $67.34M $59.52M
YoY Change 12.63% 58.21% 48.79%
Operating Profit
YoY Change
Interest Expense $8.816M $9.300M $9.137M
YoY Change -5.2% -10.13% -6.49%
% of Operating Profit
Other Income/Expense, Net $9.936M
YoY Change
Pretax Income $28.80M $15.40M $11.69M
YoY Change 87.0% -7.66% 5.83%
Income Tax $6.577M $4.157M $4.219M
% Of Pretax Income 22.84% 26.99% 36.09%
Net Earnings $22.22M $11.24M $7.470M
YoY Change 97.73% -10.61% -10.74%
Net Earnings / Revenue 19.94% 12.41% 8.31%
Basic Earnings Per Share $2.25 $1.02 $0.68
Diluted Earnings Per Share $2.11 $1.01 $0.68
COMMON SHARES
Basic Shares Outstanding 9.861M 10.98M 10.96M
Diluted Shares Outstanding 10.54M 11.09M 11.01M

Balance Sheet

Concept 2021 Q3 2020 Q3 2020 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $8.146M $4.300M $9.000M
YoY Change 89.44% 115.0% 1185.71%
Cash & Equivalents $112.1M $62.51M $63.40M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $8.146M $4.300M $9.000M
YoY Change 89.44% 115.0% 1185.71%
LONG-TERM ASSETS
Property, Plant & Equipment $41.39M $15.05M $42.70M
YoY Change 174.92% 3.73% 202.15%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $116.5M $81.20M $75.10M
YoY Change 43.51% 80.04% 77.96%
Total Long-Term Assets $1.305B $1.033B $991.2M
YoY Change 26.33% -4.69% -2.69%
TOTAL ASSETS
Total Short-Term Assets $8.146M $4.300M $9.000M
Total Long-Term Assets $1.305B $1.033B $991.2M
Total Assets $1.314B $1.038B $1.000B
YoY Change 26.6% -4.47% -1.88%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $36.11M $43.60M $34.80M
YoY Change -17.17% 68.99% 76.65%
Accrued Expenses $31.29M $30.00M $29.20M
YoY Change 4.28% 8.3% 6.18%
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 $67.40M $73.60M $64.00M
YoY Change -8.43% 37.57% 35.59%
LONG-TERM LIABILITIES
Long-Term Debt $968.7M $691.5M $676.3M
YoY Change 40.09% -6.05% -0.84%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $968.7M $691.5M $676.3M
YoY Change 40.09% -6.05% -0.84%
TOTAL LIABILITIES
Total Short-Term Liabilities $67.40M $73.60M $64.00M
Total Long-Term Liabilities $968.7M $691.5M $676.3M
Total Liabilities $1.036B $765.1M $740.3M
YoY Change 35.42% -3.09% 1.54%
SHAREHOLDERS EQUITY
Retained Earnings
YoY Change
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $277.5M $272.5M $259.9M
YoY Change
Total Liabilities & Shareholders Equity $1.314B $1.038B $1.000B
YoY Change 26.6% -4.47% -1.88%

Cashflow Statement

Concept 2021 Q3 2020 Q3 2020 Q2
OPERATING ACTIVITIES
Net Income $22.22M $11.24M $7.470M
YoY Change 97.73% -10.61% -10.74%
Depreciation, Depletion And Amortization $2.894M $3.700M $2.800M
YoY Change -21.78% 37.04% 3.7%
Cash From Operating Activities $50.37M $41.00M $39.50M
YoY Change 22.86% -15.11% 10.03%
INVESTING ACTIVITIES
Capital Expenditures -$1.646M -$1.300M -$1.800M
YoY Change 26.62% -18.75% -5.26%
Acquisitions
YoY Change
Other Investing Activities -$141.6M -$54.00M $50.60M
YoY Change 162.17% -39.73% -158.84%
Cash From Investing Activities -$143.2M -$55.40M $48.80M
YoY Change 158.51% -39.25% -155.52%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 98.98M 13.40M -94.20M
YoY Change 638.66% -70.93% -276.74%
NET CHANGE
Cash From Operating Activities 50.37M 41.00M 39.50M
Cash From Investing Activities -143.2M -55.40M 48.80M
Cash From Financing Activities 98.98M 13.40M -94.20M
Net Change In Cash 6.139M -1.000M -5.900M
YoY Change -713.9% -131.25% -553.85%
FREE CASH FLOW
Cash From Operating Activities $50.37M $41.00M $39.50M
Capital Expenditures -$1.646M -$1.300M -$1.800M
Free Cash Flow $52.02M $42.30M $41.30M
YoY Change 22.98% -15.23% 9.26%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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<p style="margin-bottom:0pt;margin-top:12pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">Note 1. Nature of Business </p> <p style="margin-bottom:0pt;margin-top:4pt;text-indent:0%;font-size:10pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Regional Management Corp. (the “<span style="text-decoration:underline;">Company</span>”) 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 purchase loans, but ceased such originations in November 2017. As of September 30, 2021, the Company operated 372 branch locations under the name “Regional Finance” in 13 states across the United States. </p> <p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-size:10pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company’s loan volume and contractual delinquency follow seasonal trends. Demand for the Company’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. The current expected credit loss (“<span style="text-decoration:underline;">CECL</span>”) accounting model requires earlier recognition of credit losses compared to the prior incurred loss approach. This could result in larger allowance for credit loss releases in periods of portfolio liquidation, and larger provisions for credit losses in periods of portfolio growth, compared to prior years. Consequently, the Company experiences seasonal fluctuations in its operating results. However, changes in borrower assistance programs and customer access to external economic stimulus measures related to the novel strain of coronavirus (“<span style="text-decoration:underline;">COVID-19</span>”) have impacted the Company’s typical seasonal trends for loan volume and delinquency. </p>
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<p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:10pt;font-family:Calibri;text-transform:none;font-variant: normal;">Use of estimates:<span style="font-weight:normal;font-style:normal;"> The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of 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. </span></p> <p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-size:10pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">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, and the fair value of financial instruments. </p>
us-gaap Prior Period Reclassification Adjustment Description
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<p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:10pt;font-family:Calibri;text-transform:none;font-variant: normal;">Reclassifications:<span style="font-style:normal;"> </span><span style="font-weight:normal;font-style:normal;">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’ equity. </span></p>
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CY2020Q3 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
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CY2021Q3 us-gaap Derivative Asset Notional Amount
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CY2021Q3 us-gaap Interest Rate Derivative Assets At Fair Value
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CY2020Q3 us-gaap Interest Rate Derivative Assets At Fair Value
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CY2021Q3 us-gaap Interest Rate Derivative Assets At Fair Value
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CY2021Q3 us-gaap Stock Repurchase Program Authorized Amount1
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CY2021Q3 us-gaap Stock Repurchase Program Expiration Date
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us-gaap Stock Repurchased During Period Shares
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CY2021Q3 us-gaap Common Stock Dividends Per Share Declared
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CY2020Q3 rm Provision For Corporate Taxes
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CY2020Q3 rm Discrete Tax Benefits Deficiencies
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CY2021Q3 us-gaap Income Tax Expense Benefit
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CY2020Q3 us-gaap Income Tax Expense Benefit
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us-gaap Income Tax Expense Benefit
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CY2021Q3 us-gaap Net Income Loss
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CY2020Q3 us-gaap Net Income Loss
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us-gaap Net Income Loss
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us-gaap Net Income Loss
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CY2021Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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CY2020Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
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CY2021Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
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CY2020Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
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us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
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us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
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CY2021Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2020Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
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10800000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2021Q3 us-gaap Earnings Per Share Basic
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CY2020Q3 us-gaap Earnings Per Share Basic
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us-gaap Earnings Per Share Basic
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us-gaap Earnings Per Share Basic
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CY2021Q3 us-gaap Earnings Per Share Diluted
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CY2020Q3 us-gaap Earnings Per Share Diluted
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1.01
us-gaap Earnings Per Share Diluted
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us-gaap Earnings Per Share Diluted
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us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Expiration Period
SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
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0.4783
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4499
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.0263
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
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CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
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CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
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us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
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us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
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us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
16.30
CY2021Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
627000
CY2021Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
22.09
CY2021Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
22622000
CY2021Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
371000
CY2021Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
19.47
CY2021Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
14355000
CY2020Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
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6.82
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
10.52
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
7.56
CY2021Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
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2634000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
10026000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
219000
CY2021Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
8000
CY2020Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
33000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
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8000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
385000

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