RM Regional Management Corp

Price (delayed)

$29.75

Market cap

$294.41M

P/E Ratio

12.61

Dividend/share

$1.2

EPS

$2.36

Enterprise value

$1.56B

Regional Management Corp. is a diversified consumer finance company that provides attractive, easy-to-understand installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card ...

Highlights
The revenue has grown by 7% YoY
RM's gross profit is up by 7% year-on-year
Regional Management's net income has increased by 41% from the previous quarter but it has decreased by 32% YoY
The EPS has grown by 39% from the previous quarter but it has contracted by 34% YoY
RM's price to earnings (P/E) is 64% higher than its 5-year quarterly average of 7.7 and 12% higher than its last 4 quarters average of 11.3

Key stats

What are the main financial stats of RM
Market
Shares outstanding
9.9M
Market cap
$294.41M
Enterprise value
$1.56B
Valuations
Price to earnings (P/E)
12.61
Price to book (P/B)
0.86
Price to sales (P/S)
0.51
EV/EBIT
16.06
EV/EBITDA
14.03
EV/Sales
2.79
Earnings
Revenue
$560.33M
EBIT
$97.3M
EBITDA
$111.35M
Free cash flow
$250.92M
Per share
EPS
$2.36
Free cash flow per share
$26.22
Book value per share
$34.48
Revenue per share
$58.56
TBVPS
$181.77
Balance sheet
Total assets
$1.76B
Total liabilities
$1.42B
Debt
$1.39B
Equity
$336.46M
Working capital
N/A
Liquidity
Debt to equity
4.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
11.39
Margins
EBITDA margin
19.9%
Gross margin
100%
Net margin
4%
Operating margin
17.4%
Efficiency
Return on assets
1.3%
Return on equity
6.9%
Return on invested capital
3.2%
Return on capital employed
N/A
Return on sales
17.4%
Dividend
Dividend yield
4.03%
DPS
$1.2
Payout ratio
50.8%

RM stock price

How has the Regional Management stock price performed over time
Intraday
-0.17%
1 week
-0.83%
1 month
19.67%
1 year
10.8%
YTD
18.62%
QTD
22.88%

Financial performance

How have Regional Management's revenue and profit performed over time
Revenue
$560.33M
Gross profit
$560.33M
Operating income
$97.3M
Net income
$22.47M
Gross margin
100%
Net margin
4%
Regional Management's net income has increased by 41% from the previous quarter but it has decreased by 32% YoY
Regional Management's net margin has increased by 38% QoQ but it has decreased by 38% YoY
The operating income has grown by 10% from the previous quarter and by 4.6% YoY
RM's operating margin is up by 9% from the previous quarter but it is down by 2.2% YoY

Growth

What is Regional Management's growth rate over time

Valuation

What is Regional Management stock price valuation
P/E
12.61
P/B
0.86
P/S
0.51
EV/EBIT
16.06
EV/EBITDA
14.03
EV/Sales
2.79
RM's price to earnings (P/E) is 64% higher than its 5-year quarterly average of 7.7 and 12% higher than its last 4 quarters average of 11.3
The EPS has grown by 39% from the previous quarter but it has contracted by 34% YoY
RM's P/B is 22% below its 5-year quarterly average of 1.1 but 8% above its last 4 quarters average of 0.8
RM's equity is up by 6% YoY and by 4.4% QoQ
RM's P/S is 36% below its 5-year quarterly average of 0.8 but 2% above its last 4 quarters average of 0.5
The revenue has grown by 7% YoY

Efficiency

How efficient is Regional Management business performance
Regional Management's ROA has increased by 44% from the previous quarter but it has decreased by 35% YoY
RM's ROE is up by 41% from the previous quarter but it is down by 36% YoY
Regional Management's return on invested capital has increased by 10% QoQ but it has decreased by 3% YoY
The ROS has grown by 9% from the previous quarter but it has contracted by 2.2% YoY

Dividends

What is RM's dividend history
DPS
$1.2
Dividend yield
4.03%
Payout ratio
50.8%
Recent dividends

Financial health

How did Regional Management financials performed over time
The total assets is 24% more than the total liabilities
RM's total liabilities is down by 3.5% from the previous quarter but it is up by 2.6% YoY
The total assets has grown by 3.3% YoY but it has contracted by 2.1% from the previous quarter
The debt to equity fell by 7% QoQ and by 3.7% YoY
RM's equity is up by 6% YoY and by 4.4% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.