Regional Management Corp. EBITDA | RM

Earnings before Interest, Taxes, Depreciation, and Amortization (EBITDA), is an often used measure of a company's profitability. Financial analysts use EBITDA for a number of purposes including calculating simple valuations of a firm, estimating cash flows, and assessing debt servicing capability. The uses for EBITDA in financial analysis are numerous, but in practice should be more restrained. While EBITDA has some useful applications, it should be used with caution, as the problems with EBITDA are abundant and can lead to a number of misguided conclusions.^[1]

EBITDA is an important indicator for investors and analysts because it allows them to evaluate a company's operating profit without considering the impact of financial expenses, taxes, or non-cash depreciation and amortization. It provides better comparability between companies in different industries or with different tax conditions.

EBITDA is often used to assess a company's ability to generate cash flow and repay debts. It can also serve as a measure of a company's operational efficiency, as it shows how profitable the core business is, regardless of external factors such as interest or taxes.

However, it is important to note that EBITDA is not an official financial statement measure and can be defined and calculated differently by companies. Therefore, investors and analysts should exercise caution when using EBITDA as an evaluation tool and combine it with other financial metrics and information to get a more complete picture of a company's financial condition.

Annual EBITDA Regional Management Corp.

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
16.2 M	14.1 M	14.6 M	12.7 M	11.7 M	13.3 M	-	-	-	-	-	-	-	-	-	1.38 M	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
16.2 M	1.38 M	12 M

Quarterly EBITDA Regional Management Corp.

2026-Q2	2026-Q1	2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
9.64 M	4.77 M	-	-	3.6 M	-	-	-	3.5 M	-	-	-	4.08 M	-	9.15 M	-	3.24 M	-	8.47 M	-	2.89 M	-	9.43 M	5.73 M	2.87 M	-	7.97 M	5.33 M	2.63 M	-	6.4 M	4.07 M	2.02 M	-	5.34 M	3.23 M	1.6 M	-	4.95 M	3.33 M	1.53 M	-	2.78 M	1.81 M	883 K	-	2.9 M	2.03 M	1 M	-	2.46 M	1.66 M	730 K	-	1.9 M	1.25 M	677 K	-	987 K	642 K	305 K

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
9.64 M	305 K	3.53 M

References

Brockman, C. M., & Russell, J. W. (2012). EBITDA: use it... or lose it?. International Journal of Business, Accounting and Finance, 6(2), 84-93.

EBITDA of other stocks in the Payment services industry

Issuer	EBITDA	Price	% 24h	Market Cap	Country
Ally Financial ALLY	1.4 B	$ 38.78	-0.7 %	$ 12 B	USA
Capital One Financial Corporation COF	5.26 B	$ 202.34	0.5 %	$ 109 B	USA
Navient Corporation NAVI	3 M	$ 8.42	-0.94 %	$ 834 M	USA
Barings BDC, Inc. BBDC	41.2 M	$ 8.3	-0.12 %	$ 398 M	USA
Atlanticus Holdings Corporation ATLC	9.9 M	$ 87.2	1.17 %	$ 1.32 B	USA
Dunxin Financial Holdings Limited DXF	-30.3 M	$ 0.28	-4.9 %	$ 3.57 B	China
Enova International ENVA	781 M	$ 170.55	3.32 %	$ 4.29 B	USA
Green Dot Corporation GDOT	78.4 M	$ 12.17	-1.58 %	$ 671 M	USA
Medallion Financial Corp. MFIN	8.32 M	$ 11.39	-0.26 %	$ 259 M	USA
Nelnet NNI	90.6 M	$ 122.44	-0.12 %	$ 4.45 B	USA
LexinFintech Holdings Ltd. LX	105 M	$ 0.64	0.08 %	$ 217 M	China
OneMain Holdings OMF	287 M	$ 56.36	1.14 %	$ 6.69 B	USA
Oportun Financial Corporation OPRT	41.4 M	$ 9.38	2.01 %	$ 435 M	USA
PRA Group PRAA	-21.5 M	$ 19.16	0.45 %	$ 751 M	USA
PayPal Holdings PYPL	7.03 B	$ 54.95	-3.63 %	$ 52.7 B	USA
Security National Financial Corporation SNFCA	2.43 M	$ 9.16	0.16 %	$ 227 M	USA
Synchrony Financial SYF	514 M	$ 74.89	1.7 %	$ 27.7 B	USA
Upstart Holdings UPST	67.5 M	$ 23.01	-3.24 %	$ 2.21 B	USA
CURO Group Holdings Corp. CURO	13.5 M	-	-6.4 %	$ 7.82 M	USA
Visa V	25.2 B	$ 404.59	-0.82 %	$ 755 B	USA
World Acceptance Corporation WRLD	5.8 M	$ 167.31	0.16 %	$ 827 M	USA
The Western Union Company WU	792 M	$ 6.21	-2.13 %	$ 2.03 B	USA
Yiren Digital Ltd. YRD	-848 M	$ 0.57	-14.55 %	$ 98.9 M	China
Credit Acceptance Corporation CACC	3.6 M	$ 540.97	-0.75 %	$ 6.19 B	USA
Elevate Credit ELVT	37.8 M	-	-	$ 58.8 M	USA
FlexShopper FPAY	18.8 M	-	2.7 %	$ 4.12 M	USA
MoneyGram International MGI	144 M	-	-	$ 1.07 B	USA
360 DigiTech QFIN	6.75 B	$ 5.58	5.99 %	$ 1.49 B	China
Goldman Sachs BDC, Inc. GSBD	54.3 M	$ 8.57	-0.58 %	$ 346 M	USA
ORIX Corporation IX	861 B	$ 36.58	0.3 %	$ 40.9 B	Japan
Mastercard Inc. MA	20 B	$ 614.27	-1.5 %	$ 556 B	USA
X Financial XYF	1.64 B	$ 4.82	-0.1 %	$ 1.18 B	-
American Express Company AXP	1.78 B	$ 314.69	0.47 %	$ 219 B	USA
Owl Rock Capital Corporation ORCC	329 M	-	-0.15 %	$ 5.25 B	USA
Consumer Portfolio Services CPSS	881 K	$ 9.4	-5.05 %	$ 206 M	USA
FinVolution Group FINV	66.5 M	$ 2.89	-1.87 %	$ 3.64 B	USA
EZCORP EZPW	182 M	$ 28.79	0.31 %	$ 1.65 B	USA
FirstCash FCFS	300 M	$ 175.17	1.4 %	$ 7.76 B	USA
SLM Corporation SLM	16.2 M	$ 19.63	1.08 %	$ 4.07 B	USA
Pintec Technology Holdings Limited PT	-14.1 M	-	-	$ 671 M	China
Jianpu Technology JT	23.1 M	-	7.78 %	$ 331 M	-
Alliance Data Systems Corporation ADS	964 M	-	-1.74 %	$ 2.84 B	USA
Xiaobai Maimai Inc. HX	-67.9 M	-	-10.24 %	$ 37.1 M	China
Marlin Business Services Corp. MRLN	37.8 M	-	-0.17 %	$ 276 M	USA
Santander Consumer USA Holdings Inc. SC	9.17 B	-	1.44 %	$ 13 B	USA
Qudian QD	-348 M	-	-	$ 634 M	China