RM Regional Management Corp

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

Price (delayed)

$39.37

Market cap

$362.52M

P/E Ratio

7.53

Dividend/share

$1.2

EPS

$5.23

Enterprise value

$1.9B

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Relative Growth: Rel. Growth: 85
Relative Strength: Rel. Strength: 56
Relative Valuation: Rel. Valuation: 96
Relative Profitability: Rel. Profitability: 91

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 EPS has soared by 52% YoY and by 11% from the previous quarter
Regional Management's net income has increased by 48% YoY and by 10% from the previous quarter
Regional Management's debt has increased by 10% YoY
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
1.13%
1 week
5.83%
1 month
8.19%
1 year
34.92%
YTD
1.6%
QTD
22.08%

Financial performance

How have Regional Management's revenue and profit performed over time
Revenue
$659.92M
Gross profit
$659.92M
Operating income
$151.42M
Net income
$48.81M
Gross margin
100%
Net margin
7.4%
Regional Management's net income has increased by 48% YoY and by 10% from the previous quarter
Regional Management's net margin has increased by 35% YoY and by 7% QoQ
The operating income has grown by 26% YoY and by 6% from the previous quarter
RM's operating margin is up by 14% YoY and by 3.6% 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
RM P/E details
P/E
7.53
P/B
0.98
P/S
0.55
EV/EBIT
12.52
EV/EBITDA
11.23
EV/Sales
2.87
The EPS has soared by 52% YoY and by 11% from the previous quarter
RM's price to earnings (P/E) is 9% lower than its 5-year quarterly average of 8.2 and 6% lower than its last 4 quarters average of 7.9
RM's P/B is 12% below its 5-year quarterly average of 1.1 but 8% above its last 4 quarters average of 0.9
RM's equity is up by 5% YoY
RM's P/S is 23% below its 5-year quarterly average of 0.7 but 8% above its last 4 quarters average of 0.5
The revenue has grown by 11% YoY and by 2.2% from the previous quarter

Efficiency

How efficient is Regional Management business performance
RM's ROE is up by 40% YoY and by 9% from the previous quarter
Regional Management's ROA has increased by 33% YoY and by 9% from the previous quarter
The ROS has grown by 14% YoY and by 3.6% from the previous quarter
Regional Management's return on invested capital has increased by 13% YoY and by 2.4% QoQ

Dividends

What is RM's dividend history
Dividend details
DPS
$1.2
Dividend yield
3.05%
Payout ratio
22.9%
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 10% YoY
The total assets has grown by 9% YoY
Regional Management's debt has increased by 10% YoY
RM's equity is up by 5% YoY

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