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RM Regional Management Corp
- Stocks
- Financial Services
- NYSE: RM
Price (delayed)
$29.96
Market cap
$297.22M
P/E Ratio
8.73
Dividend/share
$1.2
EPS
$3.43
Enterprise value
$1.66B
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
RM's gross profit is up by 7% year-on-year
The revenue has grown by 7% YoY
Regional Management's net income has increased by 47% YoY but it has decreased by 20% from the previous quarter
The EPS has grown by 45% YoY but it has contracted by 20% from the previous quarter
Regional Management's debt has increased by 9% YoY
Key stats
What are the main financial stats of RM
Market
Valuations
Earnings
Shares outstanding
9.92M
Market cap
$297.22M
Enterprise value
$1.66B
Price to earnings (P/E)
8.73
Price to book (P/B)
0.82
Price to sales (P/S)
0.48
EV/EBIT
13.84
EV/EBITDA
12.38
EV/Sales
2.78
Revenue
$597.16M
Gross profit
$597.16M
Operating income
$120.1M
Net income
$33.03M
EBIT
$120.1M
EBITDA
$134.28M
Free cash flow
$268.82M
Per share
Balance sheet
Liquidity
EPS
$3.43
EPS diluted
$3.3
Free cash flow per share
$27.97
Book value per share
$36.4
Revenue per share
$62.14
TBVPS
$195
Total assets
$1.9B
Total liabilities
$1.54B
Debt
$1.51B
Equity
$357.88M
Working capital
N/A
Debt to equity
4.23
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.16
Margins
Efficiency
Dividend
EBITDA margin
22.5%
Gross margin
100%
Net margin
5.5%
Operating margin
20.1%
Return on assets
1.8%
Return on equity
9.4%
Return on invested capital
3.8%
Return on capital employed
N/A
Return on sales
20.1%
Dividend yield
4.01%
DPS
$1.2
Payout ratio
35%
RM stock price
How has the Regional Management stock price performed over time
Intraday
-0.07%
1 week
4.46%
1 month
-2.44%
1 year
-0.23%
YTD
-11.83%
QTD
-0.5%
Financial performance
How have Regional Management's revenue and profit performed over time
Revenue
$597.16M
Gross profit
$597.16M
Operating income
$120.1M
Net income
$33.03M
Gross margin
100%
Net margin
5.5%
Regional Management's net income has increased by 47% YoY but it has decreased by 20% from the previous quarter
Regional Management's net margin has increased by 38% YoY but it has decreased by 21% QoQ
The operating income has grown by 23% YoY but it has contracted by 7% from the previous quarter
RM's operating margin is up by 16% YoY but it is down by 8% from the previous quarter
Price vs fundamentals
How does RM's price correlate with its fundamentals
Growth
What is Regional Management's growth rate over time
Valuation
What is Regional Management stock price valuation
P/E
8.73
P/B
0.82
P/S
0.48
EV/EBIT
13.84
EV/EBITDA
12.38
EV/Sales
2.78
The EPS has grown by 45% YoY but it has contracted by 20% from the previous quarter
RM's price to earnings (P/E) is 15% lower than its last 4 quarters average of 10.3 but 7% higher than its 5-year quarterly average of 8.2
RM's P/B is 25% below its 5-year quarterly average of 1.1 and 9% below its last 4 quarters average of 0.9
RM's equity is up by 6% YoY
RM's P/S is 31% below its 5-year quarterly average of 0.7 and 4% below 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 38% YoY but it has decreased by 22% from the previous quarter
RM's ROE is up by 36% YoY but it is down by 21% from the previous quarter
Regional Management's return on invested capital has increased by 19% YoY but it has decreased by 10% QoQ
The ROS has grown by 16% YoY but it has contracted by 8% from the previous quarter
Dividends
What is RM's dividend history
DPS
$1.2
Dividend yield
4.01%
Payout ratio
35%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Regional Management financials performed over time
The total assets is 23% more than the total liabilities
RM's total liabilities is up by 9% YoY
The total assets has grown by 8% YoY
Regional Management's debt has increased by 9% YoY
RM's equity is up by 6% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.