RM Regional Management Corp

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

Price (delayed)

$39.21

Market cap

$350.83M

P/E Ratio

7.51

Dividend/share

$1.2

EPS

$5.22

Enterprise value

$1.98B

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Relative Growth: Rel. Growth: 73
Relative Strength: Rel. Strength: 69
Relative Valuation: Rel. Valuation: 93
Relative Profitability: Rel. Profitability: 83

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 grown by 20% YoY and by 3% from the previous quarter
Regional Management's net income has increased by 15% YoY
RM's price to earnings (P/E) is 8% lower than its 5-year quarterly average of 8.2 but 6% higher than its last 4 quarters average of 7.1
Regional Management's debt has increased by 11% YoY and by 4.4% 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
8.02%
1 week
20.5%
1 month
23.3%
1 year
-0.36%
YTD
1.19%
QTD
29.71%

Financial performance

How have Regional Management's revenue and profit performed over time
Revenue
$683.77M
Gross profit
$683.77M
Operating income
$154.1M
Net income
$47.58M
Gross margin
100%
Net margin
7%
Regional Management's net income has increased by 15% YoY
The operating income has grown by 13% YoY and by 2% from the previous quarter
RM's gross profit is up by 8% year-on-year
The revenue has grown by 8% YoY

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
7.51
P/B
0.95
P/S
0.51
EV/EBIT
12.85
EV/EBITDA
11.42
EV/Sales
2.9
The EPS has grown by 20% YoY and by 3% from the previous quarter
RM's price to earnings (P/E) is 8% lower than its 5-year quarterly average of 8.2 but 6% higher than its last 4 quarters average of 7.1
RM's P/B is 6% above its last 4 quarters average of 0.9 but 5% below its 5-year quarterly average of 1.0
RM's equity is up by 2.5% YoY
RM's P/S is 15% below its 5-year quarterly average of 0.6 but 2% above its last 4 quarters average of 0.5
The revenue has grown by 8% YoY

Efficiency

How efficient is Regional Management business performance
RM's ROE is up by 11% YoY
Regional Management's ROA has increased by 4.8% YoY
The ROS has grown by 4.2% YoY
Regional Management's return on invested capital has increased by 2.4% YoY

Dividends

What is RM's dividend history
Dividend details
DPS
$1.2
Dividend yield
3.06%
Payout ratio
23%
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 21% more than the total liabilities
RM's total liabilities is up by 10% YoY and by 4.4% from the previous quarter
The total assets has grown by 9% YoY and by 3.8% from the previous quarter
Regional Management's debt has increased by 11% YoY and by 4.4% QoQ
The debt to equity rose by 8% YoY and by 3.5% QoQ

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