Regional Management Corp. (RM)

NYSE · Common Stock · Personal Credit Institutions

One email a week from me: what it filed, which 13F holders added or cut, where its scores stand. Free.

Corporate structure

44 entities across 8 jurisdictions. Read directly from the company’s own 10-K EX-21 filed 2026-02-20 — see the exhibit.

Which other public companies file entities in the same places:

Delaware35 South Carolina3 Alabama1 Georgia1 North Carolina1 Tennessee1 Texas1 Wisconsin1

Subsidiaries of Regional Management Corp. as disclosed in its SEC filing
Entity	Jurisdiction	Note
Regional Finance Company of Arizona, LLC	Delaware
Regional Finance Company of California, LLC	Delaware
Regional Finance Company of Florida, LLC	Delaware
Regional Finance Company of Georgia, LLC	Delaware
Regional Finance Company of Idaho, LLC	Delaware
Regional Finance Company of Illinois, LLC	Delaware
Regional Finance Company of Indiana, LLC	Delaware
Regional Finance Company of Kentucky, LLC	Delaware
Regional Finance Company of Louisiana, LLC	Delaware
Regional Finance Company of Mississippi, LLC	Delaware
Regional Finance Company of Missouri, LLC	Delaware
Regional Finance Company of New Mexico, LLC	Delaware
Regional Finance Company of Ohio, LLC	Delaware
Regional Finance Company of Oklahoma, LLC	Delaware
Regional Finance Company of Oregon, LLC	Delaware
Regional Finance Company of Utah, LLC	Delaware
Regional Finance Company of Virginia, LLC	Delaware
Regional Finance Corporation of Alabama	Alabama
Regional Finance Corporation of Georgia	Georgia
Regional Finance Corporation of North Carolina	North Carolina
Regional Finance Corporation of South Carolina	South Carolina
Regional Finance Corporation of Tennessee	Tennessee
Regional Finance Corporation of Texas	Texas
Regional Finance Corporation of Wisconsin	Wisconsin
RMC Financial Services of Florida, LLC	Delaware
Credit Recovery Associates, Inc.	South Carolina
Upstate Motor Company	South Carolina
Regional Management Receivables III, LLC	Delaware
Regional Management Receivables IV, LLC	Delaware
Regional Management Receivables V, LLC	Delaware
Regional Management Receivables VI, LLC	Delaware
Regional Management Receivables VII, LLC	Delaware
Regional Management Receivables VIII, LLC	Delaware
Regional Management Receivables IX, LLC	Delaware
Regional Management Issuance Trust 2021-2	Delaware
Regional Management Issuance Trust 2021-3	Delaware
Regional Management Issuance Trust 2022-1	Delaware
Regional Management Issuance Trust 2024-1	Delaware
Regional Management Issuance Trust 2024-2	Delaware
Regional Management Issuance Trust 2025-1	Delaware
Regional Management Issuance Trust 2025-2	Delaware
Regional Management Issuance Trust 2026-1	Delaware
Regional Management Issuance Trust 2026-2	Delaware
Regional Management North Carolina Receivables Trust	Delaware

Financial health

Two standard screens, computed from the XBRL in FY2025 against FY2024. Every test shows the numbers behind it — a score with its inputs hidden is a number you cannot check.

Piotroski F-score

3 / 7

PASSReturn on assets positiveROA 2.1%
PASSOperating cash flow positiveOCF 309M
FAILReturn on assets improving2.2% → 2.1%
PASSCash flow exceeds earningsOCF 309M vs NI 44M
FAILLong-term debt ratio falling77.1% → 78.1% of assets
FAILCurrent ratio improvingno data
FAILNo share dilution10M → 10M shares
FAILGross margin improvingno gross profit reported
FAILAsset turnover improving0.31× → 0.31×

Six-year record

Year	Revenue	Net income	Free cash flow	Gross margin	Shares
FY2020	$373.9M	$26.7M	$168.2M	—	11,145,000
FY2021	$428.4M	$88.7M	$185.4M	—	10,643,000
FY2022	$507.2M	$51.2M	$218.5M	—	9,656,000
FY2023	$551.4M	$16.0M	$244.5M	—	9,593,000
FY2024	$588.5M	$41.2M	$263.9M	—	9,957,000
FY2025	$645.6M	$44.4M	$304.3M	—	9,984,000

Ownership flow

1 institutions tracked — 1 added, 0 reduced.

Institutional holders of Regional Management Corp. and their share-count change
Manager	Kind	Shares	Change	Value
GEODE CAPITAL MANAGEMENT, LLC	Index	225,101	+12,515	$9.3M

From 13F filings, which cover institutions managing over $100m and are filed up to 45 days after the quarter ends — so this is a considered position, not a live one, and it is not the whole shareholder register.

Capital returned

What the company actually paid out and bought back, as reported — the record behind any yield figure.

Dividend per share

2026Q2: $0.30
2026Q1: $0.30
2025Q3: $0.30
2025Q2: $0.30
2025Q1: $0.30
2024Q3: $0.30

Shares repurchased

2026Q1: $7.5M
2025Q1: $6.5M
2022Q1: $9.0M
2021Q1: $11.8M
2016Q1: $8.9M

Identity

CIK: 0001519401
LEI: 549300S5O87W87JW4146
FIGI: BBG001PJFM76
SIC: 6141 · Personal Credit Institutions
Incorporated: DE
Headquarters: GREER, SC

Ownership

Institutional: 90.4%
Institutions: 183
Insiders: 10.1%

Ownership percentages are a vendor aggregate, not a filing — unlike everything else on this page.

Other personal credit institutions companies

Regional Management Corp. files under SIC 6141 — all 4 personal credit institutions companies compared on assets and F-score.

Affirm Holdings, Inc.AFRM Enova International, Inc.ENVA WORLD ACCEPTANCE CORPWRLD

Questions about Regional Management Corp.

How many subsidiaries does Regional Management Corp. file with the SEC?: 44, listed in its most recent exhibit 21. They are incorporated across 8 jurisdictions, led by Delaware, Alabama, Georgia. That exhibit is filed with the company's annual report and is the company's own list, not an estimate.
Is Regional Management Corp. financially healthy?: Regional Management Corp. scores 3 out of 7 on the Piotroski F-score. Only 7 of the nine tests could be computed from what it filed; the rest need a prior year it has not reported. Every test and the numbers behind it are shown above, so the arithmetic is checkable rather than something you have to take on trust.
Who are the largest institutional holders of Regional Management Corp.?: Among the managers tracked here, the biggest positions as of the 2026-Q2 13F filings are GEODE CAPITAL MANAGEMENT, LLC (adding). Direction is the change in share count against that manager's own previous filing; managers with no prior filing are left out rather than counted as new buyers.

This page is one panel of the terminal

The structure map above is the Corporate Blueprint, and in the desktop it is interactive — click any entity to re-centre the map on it and walk the ownership chain. It sits alongside the screener, the scorecard and the filings lab on one desk, on your machine.

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Sourced from SEC EDGAR primary filings. Figures are as reported by the company and are not investment advice. Scores are standard published screens computed from those filings; every input is shown above so you can check the arithmetic.

Corporate structure

44 entities across 8 jurisdictions. Read directly from the company’s own 10-K EX-21 filed 2026-02-20 — see the exhibit.

Entity

Jurisdiction

Note

Regional Finance Company of Arizona, LLC

Delaware

Regional Finance Company of California, LLC

Delaware

Regional Finance Company of Florida, LLC

Delaware

Regional Finance Company of Georgia, LLC

Delaware

Regional Finance Company of Idaho, LLC

Delaware

Regional Finance Company of Illinois, LLC

Delaware

Regional Finance Company of Indiana, LLC

Delaware

Regional Finance Company of Kentucky, LLC

Delaware

Regional Finance Company of Louisiana, LLC

Delaware

Regional Finance Company of Mississippi, LLC

Delaware

Regional Finance Company of Missouri, LLC

Delaware

Regional Finance Company of New Mexico, LLC

Delaware

Regional Finance Company of Ohio, LLC

Delaware

Regional Finance Company of Oklahoma, LLC

Delaware

Regional Finance Company of Oregon, LLC

Delaware

Regional Finance Company of Utah, LLC

Delaware

Regional Finance Company of Virginia, LLC

Delaware

Regional Finance Corporation of Alabama

Alabama

Regional Finance Corporation of Georgia

Georgia

Regional Finance Corporation of North Carolina

North Carolina

Regional Finance Corporation of South Carolina

South Carolina

Regional Finance Corporation of Tennessee

Tennessee

Regional Finance Corporation of Texas

Texas

Regional Finance Corporation of Wisconsin

Wisconsin

RMC Financial Services of Florida, LLC

Delaware

Credit Recovery Associates, Inc.

South Carolina

Upstate Motor Company

South Carolina

Regional Management Receivables III, LLC

Delaware

Regional Management Receivables IV, LLC

Delaware

Regional Management Receivables V, LLC

Delaware

Regional Management Receivables VI, LLC

Delaware

Regional Management Receivables VII, LLC

Delaware

Regional Management Receivables VIII, LLC

Delaware

Regional Management Receivables IX, LLC

Delaware

Regional Management Issuance Trust 2021-2

Delaware

Regional Management Issuance Trust 2021-3

Delaware

Regional Management Issuance Trust 2022-1

Delaware

Regional Management Issuance Trust 2024-1

Delaware

Regional Management Issuance Trust 2024-2

Delaware

Regional Management Issuance Trust 2025-1

Delaware

Regional Management Issuance Trust 2025-2

Delaware

Regional Management Issuance Trust 2026-1

Delaware

Regional Management Issuance Trust 2026-2

Delaware

Regional Management North Carolina Receivables Trust

Delaware

Financial health

Two standard screens, computed from the XBRL in FY2025 against FY2024. Every test shows the numbers behind it — a score with its inputs hidden is a number you cannot check.

Piotroski F-score

3 / 7

PASSReturn on assets positiveROA 2.1%
PASSOperating cash flow positiveOCF 309M
FAILReturn on assets improving2.2% → 2.1%
PASSCash flow exceeds earningsOCF 309M vs NI 44M
FAILLong-term debt ratio falling77.1% → 78.1% of assets
FAILCurrent ratio improvingno data
FAILNo share dilution10M → 10M shares
FAILGross margin improvingno gross profit reported
FAILAsset turnover improving0.31× → 0.31×

Year

Revenue

Net income

Free cash flow

Gross margin

FY2020

$373.9M

$26.7M

$168.2M

—

11,145,000

FY2021

$428.4M

$88.7M

$185.4M

—

10,643,000

FY2022

$507.2M

$51.2M

$218.5M

—

9,656,000

FY2023

$551.4M

$16.0M

$244.5M

—

9,593,000

FY2024

$588.5M

$41.2M

$263.9M

—

9,957,000

FY2025

$645.6M

$44.4M

$304.3M

—

9,984,000

Ownership flow

1 institutions tracked — 1 added, 0 reduced.

Institutional holders of Regional Management Corp. and their share-count change
Manager	Kind	Shares	Change	Value
GEODE CAPITAL MANAGEMENT, LLC	Index	225,101	+12,515	$9.3M

Questions about Regional Management Corp.

How many subsidiaries does Regional Management Corp. file with the SEC?

44, listed in its most recent exhibit 21. They are incorporated across 8 jurisdictions, led by Delaware, Alabama, Georgia. That exhibit is filed with the company's annual report and is the company's own list, not an estimate.

Is Regional Management Corp. financially healthy?

Regional Management Corp. scores 3 out of 7 on the Piotroski F-score. Only 7 of the nine tests could be computed from what it filed; the rest need a prior year it has not reported. Every test and the numbers behind it are shown above, so the arithmetic is checkable rather than something you have to take on trust.

Who are the largest institutional holders of Regional Management Corp.?

Among the managers tracked here, the biggest positions as of the 2026-Q2 13F filings are GEODE CAPITAL MANAGEMENT, LLC (adding). Direction is the change in share count against that manager's own previous filing; managers with no prior filing are left out rather than counted as new buyers.