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Cash Flow Overview

Free Cash flow
$79,293K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Advances on revolving credit fac...
    • Repayments of finance receivable...
    • Proceeds from maturities of rest...
    • Others
Negative Cash Flow Breakdown
    • Originations and purchases of fi...
    • Payments on revolving credit fac...
    • Purchases of restricted afs inve...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
8,153
11,401
12,909
14,356
Provision for credit losses
69,006
64,868
66,379
60,474
Depreciation and amortization
4,867
4,769
4,523
4,225
Amortization of deferred fees and costs
2,743
3,234
3,603
3,992
Loss on disposal of intangibles, property, and equipment
-145
-28
-38
-117
Share-based compensation
2,392
1,899
2,808
2,760
Deferred income taxes, net
-1,290
545
3,930
7,781
Increase (decrease) in unearned insurance premiums
-331
-1,852
1,909
1,941
Increase in lease assets
910
346
3,046
-1,883
Decrease in other assets
-1,714
-8,583
8,258
2,821
Decrease in other liabilities
-
-
-
1,822
Decrease in accounts payable and accrued expenses
-1,166
-6,008
-887
-
Increase in lease liabilities
917
356
3,062
-1,862
Net cash provided by operating activities
80,754
81,009
80,063
86,684
Originations and purchases of finance receivables
506,006
390,135
539,282
521,447
Repayments of finance receivables
400,206
359,570
402,232
382,775
Purchases of intangible assets
3,354
3,145
2,980
3,040
Purchases of property and equipment
1,461
1,110
1,456
1,014
Purchases of restricted afs investments
22,060
-
22,000
19,910
Proceeds from maturities of restricted afs investments
22,377
-
20,319
0
Net cash used in investing activities
-110,298
-34,820
-143,167
-162,636
Advances on revolving credit facilities
416,819
258,511
435,664
522,476
Payments on revolving credit facilities
342,779
262,696
547,248
388,534
Advances on securitizations
0
0
252,810
0
Payments on securitizations
19,616
25,218
72,232
61,547
Payments for debt issuance costs
1,464
3
2,599
1,878
Taxes paid related to net share settlement of equity awards
196
632
3,614
175
Payments for cash dividends
2,721
3,419
2,717
2,773
Repurchases of common stock
5,147
7,506
7,506
5,004
Net cash provided by financing activities
44,896
-40,963
52,558
62,565
Net change in cash and restricted cash
15,352
5,226
-10,546
-13,387
Cash and restricted cash at beginning of period
108,543
108,543
-
135,635
Cash and restricted cash at end of period
118,575
103,223
-
108,543
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Provision for creditlosses$69,006K (-41.81%↓ Y/Y)Net income$8,153K (-52.45%↓ Y/Y)Depreciation andamortization$4,867K (-35.09%↓ Y/Y)Advances on revolvingcredit facilities$416,819K (-50.04%↓ Y/Y)Share-based compensation$2,392K (-62.03%↓ Y/Y)Decrease in other assets-$1,714K (-73.83%↓ Y/Y)Increase in leaseliabilities$917K (-78.11%↓ Y/Y)Loss on disposal ofintangibles, property, and...-$145K (17.61%↑ Y/Y)Net cash provided byoperating activities$80,754K (-43.26%↓ Y/Y)Net cash provided byfinancing activities$44,896K (380.12%↑ Y/Y)Canceled cashflow$6,440K Canceled cashflow$371,923K Net change in cashand restricted cash$15,352K (212.02%↑ Y/Y)Canceled cashflow$110,298K Amortization of deferred feesand costs$2,743K (-66.23%↓ Y/Y)Deferred income taxes,net-$1,290K (-237.67%↓ Y/Y)Decrease in accountspayable and accrued...-$1,166K Increase in lease assets$910K (-78.45%↓ Y/Y)Increase (decrease) inunearned insurance...-$331K (-133.84%↓ Y/Y)Repayments of financereceivables$400,206K (-45.27%↓ Y/Y)Proceeds from maturitiesof restricted afs...$22,377K (14.99%↑ Y/Y)Payments on revolvingcredit facilities$342,779K (-61.99%↓ Y/Y)Payments onsecuritizations$19,616K (-88.22%↓ Y/Y)Repurchases of common stock$5,147K (-55.14%↓ Y/Y)Payments for cashdividends$2,721K (-54.61%↓ Y/Y)Payments for debtissuance costs$1,464K (-58.90%↓ Y/Y)Taxes paid related tonet share...$196K (-53.00%↓ Y/Y)Net cash used ininvesting activities-$110,298K (33.31%↑ Y/Y)Canceled cashflow$422,583K Originations and purchases offinance receivables$506,006K (-44.24%↓ Y/Y)Purchases of restrictedafs investments$22,060K Purchases of intangibleassets$3,354K (-46.71%↓ Y/Y)Purchases of property andequipment$1,461K (-36.28%↓ Y/Y)

Regional Management Corp. (RM)

Regional Management Corp. (RM)