RM Regional Management Corp

  1. Stocks
  2. Financial Services
  3. NYSE: RM

Price (delayed)

$32.49

Market cap

$299.75M

P/E Ratio

6.41

Dividend/share

$1.2

EPS

$5.07

Enterprise value

$1.87B

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Relative Growth: Rel. Growth: 72
Relative Strength: Rel. Strength: 27
Relative Valuation: Rel. Valuation: 96
Relative Profitability: Rel. Profitability: 89

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 price to earnings (P/E) is 20% lower than its 5-year quarterly average of 8.3 and 16% lower than its last 4 quarters average of 7.9
RM's gross profit is up by 10% year-on-year
The EPS has grown by 40% YoY but it has contracted by 3.1% from the previous quarter
Regional Management's net income has increased by 35% YoY but it has decreased by 4.1% from the previous quarter
Regional Management's debt has increased by 11% YoY and by 3.4% QoQ
Sector: Financial Services
Industry: Credit Services
Website: http://www.regionalmanagement.com
Peers: ALLY CACC CPSS FMCC

Key stats

What are the main financial stats of RM

RM stock price

How has the Regional Management stock price performed over time
Intraday
-3.99%
1 week
-23.3%
1 month
-22.01%
1 year
-5.25%
YTD
-16.15%
QTD
-21.14%

Financial performance

How have Regional Management's revenue and profit performed over time
Revenue
$670.49M
Gross profit
$670.49M
Operating income
$151.06M
Net income
$46.82M
Gross margin
100%
Net margin
7%
Regional Management's net income has increased by 35% YoY but it has decreased by 4.1% from the previous quarter
Regional Management's net margin has increased by 23% YoY but it has decreased by 5% QoQ
The operating income has grown by 21% YoY
RM's gross profit is up by 10% year-on-year

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
RM P/E details
P/E
6.41
P/B
0.79
P/S
0.44
EV/EBIT
12.41
EV/EBITDA
11.06
EV/Sales
2.8
The EPS has grown by 40% YoY but it has contracted by 3.1% from the previous quarter
RM's price to earnings (P/E) is 20% lower than its 5-year quarterly average of 8.3 and 16% lower than its last 4 quarters average of 7.9
RM's P/B is 18% below its 5-year quarterly average of 1.0 and 18% below its last 4 quarters average of 1.0
RM's equity is up by 4.2% YoY
RM's P/S is 25% below its 5-year quarterly average of 0.6 and 10% below its last 4 quarters average of 0.5
The revenue has grown by 10% YoY

Efficiency

How efficient is Regional Management business performance
RM's ROE is up by 29% YoY but it is down by 5% from the previous quarter
Regional Management's ROA has increased by 22% YoY but it has decreased by 8% from the previous quarter
The ROS has grown by 10% YoY
Regional Management's return on invested capital has increased by 8% YoY but it has decreased by 2.3% QoQ

Dividends

What is RM's dividend history
Dividend details
DPS
$1.2
Dividend yield
3.69%
Payout ratio
23.7%
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 22% more than the total liabilities
RM's total liabilities is up by 9% YoY and by 3.2% from the previous quarter
The total assets has grown by 8% YoY and by 2.7% from the previous quarter
Regional Management's debt has increased by 11% YoY and by 3.4% QoQ
The debt to equity rose by 7% YoY and by 2.7% QoQ

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