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RM Regional Management Corp

Price (delayed)

$28.52

Market cap

$289.64M

P/E Ratio

10.97

Dividend/share

$1.2

EPS

$2.6

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
RM's equity is up by 7% YoY and by 2.5% QoQ
The revenue has grown by 7% YoY
RM's price to earnings (P/E) is 41% higher than its 5-year quarterly average of 7.8 but 4.6% lower than its last 4 quarters average of 11.5
The EPS has contracted by 12% YoY but it has grown by 10% from the previous quarter
Regional Management's debt has increased by 2.5% YoY

Key stats

What are the main financial stats of RM
Market
Shares outstanding
10.16M
Market cap
$289.64M
Enterprise value
$1.56B
Valuations
Price to book (P/B)
0.82
Price to sales (P/S)
0.48
EV/EBIT
15.21
EV/EBITDA
13.39
EV/Sales
2.73
Earnings
Revenue
$569.87M
EBIT
$102.35M
EBITDA
$116.22M
Free cash flow
$260.27M
Per share
EPS
$2.6
Free cash flow per share
$27.08
Book value per share
$34.85
Revenue per share
$59.28
TBVPS
$184.1
Balance sheet
Total assets
$1.79B
Total liabilities
$1.44B
Debt
$1.41B
Equity
$344.9M
Working capital
N/A
Liquidity
Debt to equity
4.09
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.9
Margins
EBITDA margin
20.4%
Gross margin
100%
Net margin
4.4%
Operating margin
18%
Efficiency
Return on assets
1.4%
Return on equity
7.5%
Return on invested capital
3.4%
Return on capital employed
N/A
Return on sales
18%
Dividend
Dividend yield
4.21%
DPS
$1.2
Payout ratio
46.2%

RM stock price

How has the Regional Management stock price performed over time
Intraday
-0.7%
1 week
-0.52%
1 month
-11.01%
1 year
13.67%
YTD
13.72%
QTD
-12.81%

Financial performance

How have Regional Management's revenue and profit performed over time
Revenue
$569.87M
Gross profit
$569.87M
Operating income
$102.35M
Net income
$24.9M
Gross margin
100%
Net margin
4.4%
Regional Management's net margin has decreased by 14% YoY but it has increased by 10% QoQ
Regional Management's net income has increased by 11% from the previous quarter but it has decreased by 8% YoY
The operating income has grown by 9% YoY and by 5% from the previous quarter
The revenue has grown by 7% YoY

Growth

What is Regional Management's growth rate over time

Valuation

What is Regional Management stock price valuation
P/E
10.97
P/B
0.82
P/S
0.48
EV/EBIT
15.21
EV/EBITDA
13.39
EV/Sales
2.73
RM's price to earnings (P/E) is 41% higher than its 5-year quarterly average of 7.8 but 4.6% lower than its last 4 quarters average of 11.5
The EPS has contracted by 12% YoY but it has grown by 10% from the previous quarter
RM's P/B is 25% below its 5-year quarterly average of 1.1 but 2.5% above its last 4 quarters average of 0.8
RM's equity is up by 7% YoY and by 2.5% QoQ
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
RM's ROE is down by 14% YoY but it is up by 9% from the previous quarter
Regional Management's ROA has decreased by 13% YoY but it has increased by 8% from the previous quarter
Regional Management's return on invested capital has increased by 6% QoQ and by 6% YoY
The ROS has grown by 3.4% from the previous quarter and by 2.3% YoY

Dividends

What is RM's dividend history
DPS
$1.2
Dividend yield
4.21%
Payout ratio
46.2%
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 24% more than the total liabilities
The total assets has grown by 3.8% YoY
RM's total liabilities is up by 3% YoY
RM's equity is up by 7% YoY and by 2.5% QoQ
The debt to equity fell by 4.4% YoY

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