RM Regional Management Corp

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

Price (delayed)

$25.31

Market cap

$244.08M

P/E Ratio

7.05

Dividend/share

$1.2

EPS

$3.59

Enterprise value

$1.47B

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 16% YoY and by 2.9% from the previous quarter
RM's gross profit is up by 16% year-on-year and by 2.9% since the previous quarter
RM's price to earnings (P/E) is 38% higher than its last 4 quarters average of 5.1 but 3.4% lower than its 5-year quarterly average of 7.3
Regional Management's net income has plunged by 63% YoY and by 35% from the previous quarter
The EPS has plunged by 61% YoY and by 35% from the previous quarter
Sector: Financial Services
Industry: Credit Services
Website: http://www.regionalmanagement.com
Peers: CACC ALLY CPSS

Key stats

What are the main financial stats of RM
Market
Shares outstanding
9.64M
Market cap
$244.08M
Enterprise value
$1.47B
Valuations
Price to earnings (P/E)
7.05
Price to book (P/B)
0.76
Price to sales (P/S)
0.45
EV/EBIT
15.78
EV/EBITDA
13.78
EV/Sales
2.81
Earnings
Revenue
$521.72M
EBIT
$93.04M
EBITDA
$106.57M
Free cash flow
$224.8M
Per share
EPS
$3.59
Free cash flow per share
$24.11
Book value per share
$33.25
Revenue per share
$55.95
TBVPS
$181.03
Balance sheet
Total assets
$1.7B
Total liabilities
$1.38B
Debt
$1.36B
Equity
$316.69M
Working capital
N/A
Liquidity
Debt to equity
4.29
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
11.49
Margins
EBITDA margin
20.4%
Gross margin
100%
Net margin
6.4%
Operating margin
17.8%
Efficiency
Return on assets
2%
Return on equity
10.8%
Return on invested capital
3.3%
Return on capital employed
N/A
Return on sales
17.8%
Dividend
Dividend yield
4.74%
DPS
$1.2
Payout ratio
33.4%

RM stock price

How has the Regional Management stock price performed over time
Intraday
1.24%
1 week
-4.85%
1 month
-2.54%
1 year
-45.96%
YTD
-9.86%
QTD
-2.99%

Financial performance

How have Regional Management's revenue and profit performed over time
Revenue
$521.72M
Gross profit
$521.72M
Operating income
$93.04M
Net income
$33.13M
Gross margin
100%
Net margin
6.4%
Regional Management's net margin has shrunk by 68% YoY and by 37% QoQ
Regional Management's net income has plunged by 63% YoY and by 35% from the previous quarter
RM's operating margin is down by 42% YoY and by 9% from the previous quarter
The operating income has contracted by 33% YoY and by 7% from the previous quarter

Growth

What is Regional Management's growth rate over time

Valuation

What is Regional Management stock price valuation
P/E
7.05
P/B
0.76
P/S
0.45
EV/EBIT
15.78
EV/EBITDA
13.78
EV/Sales
2.81
The EPS has plunged by 61% YoY and by 35% from the previous quarter
RM's price to earnings (P/E) is 38% higher than its last 4 quarters average of 5.1 but 3.4% lower than its 5-year quarterly average of 7.3
RM's P/B is 37% below its 5-year quarterly average of 1.2 and 16% below its last 4 quarters average of 0.9
RM's equity is up by 6% YoY and by 2.6% QoQ
RM's P/S is 50% below its 5-year quarterly average of 0.9 and 25% below its last 4 quarters average of 0.6
The revenue has grown by 16% YoY and by 2.9% from the previous quarter

Efficiency

How efficient is Regional Management business performance
Regional Management's ROA has plunged by 70% YoY and by 38% from the previous quarter
RM's ROE has plunged by 66% YoY and by 36% from the previous quarter
Regional Management's return on invested capital has decreased by 46% YoY and by 11% QoQ
The ROS has contracted by 42% YoY and by 9% from the previous quarter

Dividends

What is RM's dividend history
Dividend details
DPS
$1.2
Dividend yield
4.74%
Payout ratio
33.4%
Recent dividends

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 15% YoY but it is down by 2.3% from the previous quarter
The total assets has grown by 14% YoY
Regional Management's debt has increased by 18% YoY
The debt to equity rose by 11% YoY but it fell by 4.2% QoQ

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