RM Regional Management Corp

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

Price (delayed)

$25.2

Market cap

$245.92M

P/E Ratio

14.82

Dividend/share

$1.2

EPS

$1.7

Enterprise value

$1.55B

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 9% YoY
RM's gross profit is up by 9% year-on-year
RM's equity is up by 4.4% YoY but it is down by 2.5% QoQ
RM's price to earnings (P/E) is 98% higher than its 5-year quarterly average of 7.5 and 40% higher than its last 4 quarters average of 10.6
Regional Management's net income has plunged by 69% YoY and by 38% from the previous quarter
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
Market
Shares outstanding
9.76M
Market cap
$245.92M
Enterprise value
$1.55B
Valuations
Price to earnings (P/E)
14.82
Price to book (P/B)
0.77
Price to sales (P/S)
0.43
EV/EBIT
17.55
EV/EBITDA
15.06
EV/Sales
2.81
Earnings
Revenue
$551.4M
EBIT
$88.25M
EBITDA
$102.88M
Free cash flow
$244.47M
Per share
EPS
$1.7
Free cash flow per share
$26.01
Book value per share
$32.77
Revenue per share
$58.67
TBVPS
$189.26
Balance sheet
Total assets
$1.79B
Total liabilities
$1.47B
Debt
$1.43B
Equity
$322.27M
Working capital
N/A
Liquidity
Debt to equity
4.44
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
12.67
Margins
EBITDA margin
18.7%
Gross margin
100%
Net margin
2.9%
Operating margin
16%
Efficiency
Return on assets
0.9%
Return on equity
4.9%
Return on invested capital
2.9%
Return on capital employed
N/A
Return on sales
16%
Dividend
Dividend yield
4.76%
DPS
$1.2
Payout ratio
70.6%

RM stock price

How has the Regional Management stock price performed over time
Intraday
1.33%
1 week
0.8%
1 month
8.62%
1 year
-5.83%
YTD
0.48%
QTD
4.09%

Financial performance

How have Regional Management's revenue and profit performed over time
Revenue
$551.4M
Gross profit
$551.4M
Operating income
$88.25M
Net income
$15.96M
Gross margin
100%
Net margin
2.9%
Regional Management's net margin has shrunk by 71% YoY and by 40% QoQ
Regional Management's net income has plunged by 69% YoY and by 38% from the previous quarter
RM's operating margin is down by 18% YoY and by 10% from the previous quarter
The operating income has contracted by 11% YoY and by 8% from the previous quarter

Growth

What is Regional Management's growth rate over time

Valuation

What is Regional Management stock price valuation
P/E
14.82
P/B
0.77
P/S
0.43
EV/EBIT
17.55
EV/EBITDA
15.06
EV/Sales
2.81
RM's price to earnings (P/E) is 98% higher than its 5-year quarterly average of 7.5 and 40% higher than its last 4 quarters average of 10.6
The EPS has plunged by 69% YoY and by 39% from the previous quarter
RM's P/B is 30% below its 5-year quarterly average of 1.1 and 3.8% below its last 4 quarters average of 0.8
RM's equity is up by 4.4% YoY but it is down by 2.5% QoQ
RM's P/S is 46% below its 5-year quarterly average of 0.8 and 14% below its last 4 quarters average of 0.5
The revenue has grown by 9% YoY

Efficiency

How efficient is Regional Management business performance
Regional Management's ROA has plunged by 72% YoY and by 40% from the previous quarter
RM's ROE has plunged by 71% YoY and by 40% from the previous quarter
Regional Management's return on invested capital has decreased by 22% YoY and by 12% QoQ
The ROS has contracted by 18% YoY and by 10% from the previous quarter

Dividends

What is RM's dividend history
Dividend details
DPS
$1.2
Dividend yield
4.76%
Payout ratio
70.6%
Recent dividends

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 3.9% YoY and by 2.6% from the previous quarter
The total assets has grown by 4% YoY
Regional Management's debt has increased by 3.6% YoY
RM's equity is up by 4.4% YoY but it is down by 2.5% QoQ

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