RM Regional Management Corp
Price (delayed)
$30.54
Market cap
$300.25M
P/E Ratio
7.14
Dividend/share
$1.2
EPS
$4.28
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
Regional Management's net income has soared by 158% YoY and by 74% from the previous quarter
The EPS has soared by 152% YoY and by 75% from the previous quarter
Regional Management's debt has increased by 6% QoQ and by 6% YoY
Key stats
What are the main financial stats of RM
Market
Valuations
Earnings
Shares outstanding
9.83M
Market cap
$300.25M
Enterprise value
$1.66B
Price to earnings (P/E)
7.14
Price to book (P/B)
0.87
Price to sales (P/S)
0.5
EV/EBIT
12.87
EV/EBITDA
11.6
EV/Sales
2.81
Revenue
$588.5M
Gross profit
$588.5M
Operating income
$128.61M
Net income
$41.23M
EBIT
$128.61M
EBITDA
$142.68M
Free cash flow
$263.87M
Per share
Balance sheet
Liquidity
EPS
$4.28
EPS diluted
$4.14
Free cash flow per share
$27.37
Book value per share
$35.13
Revenue per share
$61.05
TBVPS
$195.5
Total assets
$1.91B
Total liabilities
$1.55B
Debt
$1.51B
Equity
$357.08M
Working capital
N/A
Debt to equity
4.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.5
Margins
Efficiency
Dividend
EBITDA margin
24.2%
Gross margin
100%
Net margin
7%
Operating margin
21.9%
Return on assets
2.3%
Return on equity
11.9%
Return on invested capital
4.2%
Return on capital employed
N/A
Return on sales
21.9%
Dividend yield
3.93%
DPS
$1.2
Payout ratio
28%
RM stock price
How has the Regional Management stock price performed over time
Intraday
1.43%
1 week
-2.92%
1 month
-8.97%
1 year
26.93%
YTD
-10.12%
QTD
1.43%
Financial performance
How have Regional Management's revenue and profit performed over time
Revenue
$588.5M
Gross profit
$588.5M
Operating income
$128.61M
Net income
$41.23M
Gross margin
100%
Net margin
7%
Regional Management's net income has soared by 158% YoY and by 74% from the previous quarter
Regional Management's net margin has surged by 141% YoY and by 71% QoQ
The operating income has grown by 46% YoY and by 24% from the previous quarter
RM's operating margin is up by 37% YoY and by 21% from the previous quarter
Growth
What is Regional Management's growth rate over time
Valuation
What is Regional Management stock price valuation
P/E
7.14
P/B
0.87
P/S
0.5
EV/EBIT
12.87
EV/EBITDA
11.6
EV/Sales
2.81
The EPS has soared by 152% YoY and by 75% from the previous quarter
RM's price to earnings (P/E) is 33% lower than its last 4 quarters average of 10.7 and 13% lower than its 5-year quarterly average of 8.2
RM's P/B is 21% below its 5-year quarterly average of 1.1 and 3.3% below its last 4 quarters average of 0.9
RM's equity is up by 11% YoY
RM's P/S is 29% below its 5-year quarterly average of 0.7
The revenue has grown by 7% YoY and by 2.3% from the previous quarter
Efficiency
How efficient is Regional Management business performance
Regional Management's ROA has soared by 156% YoY and by 77% from the previous quarter
RM's ROE has soared by 143% YoY and by 70% from the previous quarter
Regional Management's return on invested capital has increased by 40% YoY and by 24% QoQ
The ROS has grown by 37% YoY and by 21% from the previous quarter
Dividends
What is RM's dividend history
DPS
$1.2
Dividend yield
3.93%
Payout ratio
28%
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
The total assets has grown by 6% YoY and by 4.8% from the previous quarter
RM's total liabilities is up by 6% from the previous quarter and by 5% YoY
RM's equity is up by 11% YoY
Regional Management's debt has increased by 6% QoQ and by 6% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.