Regional Management Corp.

Symbol: RM

NYSE

29.93

USD

Market price today

  • 12.7436

    P/E Ratio

  • 0.1930

    PEG Ratio

  • 296.19M

    MRK Cap

  • 0.04%

    DIV Yield

Regional Management Corp. (RM) Stock Price & Analysis

Shares Outstanding

0M

Gross Profit Margin

0.96%

Operating Profit Margin

0.56%

Net Profit Margin

0.04%

Return on Assets

0.01%

Return on Equity

0.07%

Return on Capital Employed

0.17%

Company general description and statistics

Sector: Financial Services
Industry: Financial - Credit Services
CEO:Mr. Robert William Beck
Full-time employees:2081
City:Greer
Address:979 Batesville Road
IPO:2012-03-28
CIK:0001519401

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally managed direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of February 24, 2022, the company operated through a network of approximately 350 branches in 14 states. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

General Outlook

When we look at how much money they make before expenses, they keep 0.957% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.561%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.043%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.013% return, is a testament to Regional Management Corp.'s adeptness in optimizing resource deployment. Regional Management Corp.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.069%. Furthermore, the proficiency of Regional Management Corp. in capital utilization is underscored by a remarkable 0.171% return on capital employed.

Stock Prices

Regional Management Corp.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $25.92, while its low point bottomed out at $25. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Regional Management Corp.'s stock market.

Liquidity Ratios

Analyzing RM liquidity ratios reveals its financial health of the firm. The current ratio of 5489.95% gauges short-term asset coverage for liabilities. The quick ratio (5489.95%) assesses immediate liquidity, while the cash ratio (411.29%) indicates cash reserves.

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Current Ratio5489.95%
Quick Ratio5489.95%
Cash Ratio411.29%

Profitability Ratios

RM profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 5.52% underscores its earnings before tax deductions. The effective tax rate stands at 22.80%, revealing its tax efficiency. The net income per EBT, 77.20%, and the EBT per EBIT, 9.85%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 56.09%, we grasp its operational profitability.

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Pretax Profit Margin5.52%
Effective Tax Rate22.80%
Net Income per EBT77.20%
EBT per EBIT9.85%
EBIT per Revenue56.09%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 54.90, it details the span from stock purchase to revenue. The 55 days it takes to settle debts showcases its creditor relations. Meanwhile, a 4 cash conversion cycle and 34.88% receivables turnover rate reflect its cash flow efficiency and credit management, respectively.

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Days of Sales Outstanding5490
Operating Cycle1046.56
Days of Payables Outstanding478
Cash Conversion Cycle568
Receivables Turnover0.35
Payables Turnover0.76
Fixed Asset Turnover11.25
Asset Turnover0.30

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 26.65, and free cash flow per share, 25.36, depict cash generation on a per-share basis. The cash per share value, 12.79, showcases liquidity position. A payout ratio of 0.53 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.48, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share26.65
Free Cash Flow per Share25.36
Cash per Share12.79
Payout Ratio0.53
Operating Cash Flow Sales Ratio0.48
Free Cash Flow to Operating Cash Flow Ratio0.95
Cash Flow Coverage Ratio0.16
Short Term Coverage Ratio1.01
Capital Expenditure Coverage Ratio20.70
Dividend Paid and Capex Coverage Ratio10.48
Dividend Payout Ratio0.05

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 91.51%, highlights its total liabilities relative to assets. With a debt-equity ratio of 4.78, we discern the balance between debt and equity financing. The long-term debt to capitalization, 80.11%, and total debt to capitalization, 82.69%, ratios shed light on its capital structure. An interest coverage of 4.34 indicates its ability to manage interest expenses.

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Debt Ratio91.51%
Debt Equity Ratio4.78
Long Term Debt to Capitalization80.11%
Total Debt to Capitalization82.69%
Interest Coverage4.34
Cash Flow to Debt Ratio0.16
Company Equity Multiplier5.22

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 58.67, provides a glimpse into top-line earnings distributed across each share. Net income per share, 1.70, reflects the portion of profit attributed to each share. The book value per share, 34.29, represents the net asset value distributed per share, while the tangible book value per share, 30.91, excludes intangible assets.

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Revenue Per Share58.67
Net Income Per Share1.70
Book Value Per Share34.29
Tangible Book Value Per Share30.91
Shareholders Equity Per Share34.29
Interest Debt Per Share181.70
Capex Per Share-1.28

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 16.58%, indicates top-line expansion, while the gross profit growth, 70.95%, reveals profitability trends. EBIT growth, 209.69%, and operating income growth, 209.69%, offer insights into operational profitability progression. The net income growth, -68.85%, showcases bottom-line expansion, and the EPS growth, -69.15%, measures the growth in earnings per share.

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Revenue Growth16.58%
Gross Profit Growth70.95%
EBIT Growth209.69%
Operating Income Growth209.69%
Net Income Growth-68.85%
EPS Growth-69.15%
EPS Diluted Growth-68.68%
Weighted Average Shares Growth1.10%
Weighted Average Shares Diluted Growth-0.65%
Dividends per Share Growth3.56%
Operating Cash Flow Growth11.07%
Free Cash Flow Growth11.35%
10-Year Revenue Growth per Share371.38%
5-Year Revenue Growth per Share150.26%
3-Year Revenue Growth per Share90.83%
10-Year Operating CF Growth per Share359.19%
5-Year Operating CF Growth per Share111.23%
3-Year Operating CF Growth per Share67.91%
10-Year Net Income Growth per Share-25.86%
5-Year Net Income Growth per Share-44.01%
3-Year Net Income Growth per Share-30.57%
10-Year Shareholders Equity Growth per Share167.49%
5-Year Shareholders Equity Growth per Share43.17%
3-Year Shareholders Equity Growth per Share37.73%
3-Year Dividend per Share Growth per Share523.81%
Receivables Growth11099.46%
Inventory Growth-100.00%
Asset Growth4.03%
Book Value per Share Growth3.29%
Debt Growth-7.46%
SGA Expenses Growth9.75%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 1,538,840,840, captures the company's total value, considering both debt and equity. Income quality, 15.61, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 0.88%, indicates the value of non-physical assets, and capex to operating cash flow, -4.84%, measures reinvestment capability.

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Enterprise Value1,538,840,840
Income Quality15.61
Sales General and Administrative to Revenue0.37
Intangibles to Total Assets0.88%
Capex to Operating Cash Flow-4.84%
Capex to Revenue-2.19%
Capex to Depreciation-82.48%
Stock-Based Compensation to Revenue2.13%
Graham Number36.20
Return on Tangible Assets0.90%
Graham Net Net-20.38
Working Capital1,445,197,000
Tangible Asset Value306,427,000
Net Current Asset Value217,883,000
Invested Capital5
Average Receivables774,917,000
Average Payables37,118,500
Average Inventory0.5
Days Sales Outstanding1017
Days Payables Outstanding590
ROIC12.06%
ROE0.05%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.85, and the price to book ratio, 0.85, reflect the market's valuation relative to the company's book value. The price to sales ratio, 0.56, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 1.22, and price to operating cash flows, 1.12, gauge market valuation against cash flow metrics.

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Price Book Value Ratio0.85
Price to Book Ratio0.85
Price to Sales Ratio0.56
Price Cash Flow Ratio1.12
Price Earnings to Growth Ratio0.19
Enterprise Value Multiple-4.99
Price Fair Value0.85
Price to Operating Cash Flow Ratio1.12
Price to Free Cash Flows Ratio1.22
Price to Tangible Book Ratio0.73
Enterprise Value to Sales2.79
Enterprise Value Over EBITDA5.75
EV to Operating Cash Flow6.18
Earnings Yield6.77%
Free Cash Flow Yield100.59%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Regional Management Corp. (RM) on the NYSE in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 12.744 in 2024.

What is the ticker symbol of Regional Management Corp. stock?

The ticker symbol of Regional Management Corp. stock is RM.

What is company IPO date?

IPO date of Regional Management Corp. is 2012-03-28.

What is company current share price?

Current share price is 29.930 USD.

What is stock market cap today?

The market cap of stock today is 296193266.000.

What is PEG ratio in 2024?

The current 0.193 is 0.193 in 2024.

What is the number of employees in 2024?

In 2024 the company has 2081.