NYSE$RM
Regional Management Corp · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
Announced fourth quarter 2021 results, demonstrating consistent growth and profitability.
Regional Management Corp. reported a record quarterly revenue of $119 million, a 23% year-over-year increase, and net income of $20.8 million, with diluted EPS of $2.04. The company's net finance receivables hit an all-time high of $1.4 billion, up 26% year-over-year, driven by strategic investments in digital initiatives and geographic expansion.
- Net income was $20.8 million and diluted earnings per share was $2.04, increases of 44.8% and 59.4%, respectively, compared to the prior-year period.
- Net finance receivables reached a record $1.4 billion, a 25.5% increase from the prior-year period.
- Total revenue was a record $119.5 million, up 22.6% from the prior-year period.
- The company increased its quarterly dividend by 20% to $0.30 per share and announced a new $20 million stock repurchase program.
Headline financials
Revenue & EPS history
Regional Management · Revenue · Quarterly
$119M
Revenue by segment
Regional Management · $15.4M total across 2 segments · Q3 2022
- Insurance income, net$12M+27.3%77.7%
- Other income$3.45M+28.2%22.3%
Forward guidance
The company plans to continue investing in technology and digital customer acquisition, expanding geographically to at least an additional five new states, and further diversifying its products and marketing channels.
Tailwinds
- Continue to gain market share
- Investing heavily in technology
- Investing heavily in digital customer acquisition
- Expanding geographically to at least an additional five new states
- Further diversifying our products and marketing channels
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2021
+0.0%
Avg return
Earnings day
+0.5%
Avg return
5 days after
+1.1%
Avg return
30 days after
51%
31 / 61 earnings
Positive
+28.7%
Q4 2017
Best reaction
-34.9%
Q3 2014
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -2.9% | -9.6% | -5.5% | |
| Q4 2025 | -14.6% | -13.9% | -20.1% | |
| Q3 2025 | -10.3% | -7.4% | -10.2% | |
| Q1 2025 | -16.2% | -13.6% | -19.7% | |
| Q4 2024 | -0.9% | -0.7% | -13.2% | |
| Q3 2024 | +3.9% | +2.3% | +12.2% | |
| Q2 2024 | -2.3% | -8.5% | +6.1% | |
| Q1 2024 | +8.4% | +20.7% | +9.1% | |
| Q4 2023 | -3.6% | -11.1% | -0.8% | |
| Q3 2023 | -9.7% | -11.1% | -6.5% | |
| Q2 2023 | -1.3% | -6.8% | -13.9% | |
| Q1 2023 | +3.0% | +4.4% | +6.7% | |
| Q4 2022 | -6.4% | -9.8% | -24.4% | |
| Q3 2022 | -13.2% | -15.3% | -10.7% | |
| Q2 2022 | +0.3% | -4.4% | -18.2% | |
| Q1 2022 | +6.6% | +1.1% | +4.2% | |
| Q4 2021 | +5.6% | +3.7% | -13.1% | |
| Q3 2021 | +12.5% | +14.3% | +7.8% | |
| Q2 2021 | +14.5% | +13.8% | +12.7% | |
| Q1 2021 | +9.5% | +12.7% | +22.5% | |
| Q4 2020 | +8.3% | +7.5% | +21.1% | |
| Q3 2020 | +2.5% | +16.6% | +38.0% | |
| Q2 2020 | +2.7% | +8.2% | +11.8% | |
| Q1 2020 | +1.1% | -6.6% | +48.6% | |
| Q4 2019 | +1.9% | -9.3% | -41.1% | |
| Q3 2019 | +15.2% | +13.5% | +6.2% | |
| Q2 2019 | +5.1% | +4.5% | +2.8% | |
| Q1 2019 | -5.1% | -3.0% | -0.5% | |
| Q4 2018 | +4.8% | +1.5% | -2.2% | |
| Q3 2018 | -4.4% | -4.1% | -12.5% | |
| Q2 2018 | +2.9% | +2.8% | +4.5% | |
| Q1 2018 | +5.0% | +7.0% | +8.6% | |
| Q4 2017 | +28.7% | +20.4% | +16.9% | |
| Q3 2017 | +4.4% | -1.2% | +9.4% | |
| Q2 2017 | -0.7% | -1.2% | -8.5% | |
| Q1 2017 | +6.2% | +4.1% | +5.2% | |
| Q4 2016 | -10.1% | -9.5% | -20.6% | |
| Q3 2016 | +2.7% | -0.7% | +11.8% | |
| Q2 2016 | +6.8% | +8.5% | +19.6% | |
| Q1 2016 | -11.7% | — | — | |
| Q4 2015 | -3.8% | — | — | |
| Q3 2015 | +0.1% | — | — | |
| Q2 2015 | +8.1% | — | — | |
| Q1 2015 | +13.2% | — | — | |
| Q4 2014 | -5.1% | — | — | |
| Q3 2014 | -34.9% | — | — | |
| Q2 2014 | +5.6% | — | — | |
| Q1 2014 | -31.2% | — | — | |
| Q4 2013 | -7.4% | — | — | |
| Q3 2013 | -3.7% | — | — | |
| Q2 2013 | +12.7% | — | — | |
| Q1 2013 | +7.9% | — | — | |
| Q4 2010 | -0.3% | — | — | |
| Q4 2012 | +2.6% | — | — | |
| Q3 2011 | -1.3% | — | — | |
| Q3 2012 | -1.7% | — | — | |
| Q2 2012 | -3.4% | — | — | |
| Q2 2011 | -3.4% | — | — | |
| Q1 2012 | -0.6% | — | — | |
| Q1 2011 | -0.6% | — | — | |
| Q4 2011 | -0.6% | — | — | |
| Q3 2010 | — | — | — | |
| Q2 2010 | — | — | — | |
| Q1 2010 | — | — | — |
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