RM Regional Management Corp
Price (delayed)
$34.27
Market cap
$348.29M
P/E Ratio
13.99
Dividend/share
$1.2
EPS
$2.45
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
RM's equity is up by 7% YoY and by 2.3% QoQ
The revenue has grown by 6% YoY
RM's price to earnings (P/E) is 73% higher than its 5-year quarterly average of 8.1 and 13% higher than its last 4 quarters average of 12.4
The EPS has contracted by 12% YoY and by 6% from the previous quarter
Key stats
What are the main financial stats of RM
Market
Valuations
Earnings
Shares outstanding
10.16M
Market cap
$348.29M
Enterprise value
$1.66B
Price to earnings (P/E)
13.99
Price to book (P/B)
0.99
Price to sales (P/S)
0.58
EV/EBIT
15.94
EV/EBITDA
14.07
EV/Sales
2.88
Revenue
$575.33M
Gross profit
$575.33M
Operating income
$104.02M
Net income
$23.74M
EBIT
$104.02M
EBITDA
$117.92M
Free cash flow
$267.38M
Per share
Balance sheet
Liquidity
EPS
$2.45
EPS diluted
$2.39
Free cash flow per share
$27.61
Book value per share
$34.75
Revenue per share
$59.42
TBVPS
$185.85
Total assets
$1.82B
Total liabilities
$1.47B
Debt
$1.43B
Equity
$352.93M
Working capital
N/A
Debt to equity
4.05
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
11.11
Margins
Efficiency
Dividend
EBITDA margin
20.5%
Gross margin
100%
Net margin
4.1%
Operating margin
18.1%
Return on assets
1.3%
Return on equity
7%
Return on invested capital
3.4%
Return on capital employed
N/A
Return on sales
18.1%
Dividend yield
3.5%
DPS
$1.2
Payout ratio
49%
RM stock price
How has the Regional Management stock price performed over time
Intraday
-3%
1 week
-5.36%
1 month
-3.92%
1 year
53.75%
YTD
0.85%
QTD
0.85%
Financial performance
How have Regional Management's revenue and profit performed over time
Revenue
$575.33M
Gross profit
$575.33M
Operating income
$104.02M
Net income
$23.74M
Gross margin
100%
Net margin
4.1%
Regional Management's net margin has decreased by 15% YoY and by 7% QoQ
Regional Management's net income has decreased by 8% YoY and by 4.6% from the previous quarter
The operating income has grown by 8% YoY
The revenue has grown by 6% YoY
Growth
What is Regional Management's growth rate over time
Valuation
What is Regional Management stock price valuation
P/E
13.99
P/B
0.99
P/S
0.58
EV/EBIT
15.94
EV/EBITDA
14.07
EV/Sales
2.88
RM's price to earnings (P/E) is 73% higher than its 5-year quarterly average of 8.1 and 13% higher than its last 4 quarters average of 12.4
The EPS has contracted by 12% YoY and by 6% from the previous quarter
RM's P/B is 24% above its last 4 quarters average of 0.8 but 10% below its 5-year quarterly average of 1.1
RM's equity is up by 7% YoY and by 2.3% QoQ
RM's P/S is 17% below its 5-year quarterly average of 0.7 but 16% above its last 4 quarters average of 0.5
The revenue has grown by 6% YoY
Efficiency
How efficient is Regional Management business performance
RM's ROE is down by 14% YoY and by 7% from the previous quarter
Regional Management's ROA has decreased by 13% YoY and by 7% from the previous quarter
Regional Management's return on invested capital has increased by 3% YoY
Dividends
What is RM's dividend history
DPS
$1.2
Dividend yield
3.5%
Payout ratio
49%
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 3.2% YoY
RM's total liabilities is up by 2.4% YoY
RM's equity is up by 7% YoY and by 2.3% QoQ
The debt to equity fell by 4.7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.