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Regional Management Corp. (RM)

Stock Price: $21.68 USD 0.44 (2.07%)
Updated Oct 23, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 245.79M
Revenue (ttm) 375.62M
Net Income (ttm) 29.40M
Shares Out 11.34M
EPS (ttm) 2.59
PE Ratio 8.37
Forward PE 6.90
Dividend n/a
Dividend Yield n/a

Stock Quote

Trading Day Oct 23, 2020
Last Price $21.68
Previous Close $21.24
Change ($) 0.44
Change (%) 2.07%
Day's Open 21.50
Day's Range 21.25 - 21.88
Day's Volume 11,298
52-Week Range 10.33 - 34.93

More Stats

Market Cap 245.79M
Enterprise Value 887.89M
Earnings Date (est) Oct 29, 2020
Ex-Dividend Date n/a
Shares Outstanding 11.34M
Float 10.54M
EPS (basic) 2.62
EPS (diluted) 2.59
FCF / Share 16.11
Dividend n/a
Dividend Yield n/a
Earnings Yield 11.95%
FCF Yield 71.84%
Payout Ratio n/a
Shares Short 364,865
Short Ratio 10.55
Short % of Float 3.46%
Beta 1.37
PE Ratio 8.37
Forward PE 6.90
P/FCF Ratio 1.39
PS Ratio 0.65
PB Ratio 0.93
Revenue 375.62M
Operating Income 206.79M
Net Income 29.40M
Free Cash Flow 176.57M
Net Cash -642.11M
Net Cash / Share -56.64
Gross Margin 67.30%
Operating Margin 55.05%
Profit Margin 7.80%
FCF Margin 47.01%
ROA 7.20%
ROE 10.69%
ROIC 4.40%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (6)

Buy 4
Overweight 0
Hold 2
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$24.33*
(12.22% upside)
Low
22.0
Current: $21.68
High
33.0
Target: 24.33
*Average 12-month price target from 6 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue35630727224121720517113610586.83
Revenue Growth15.98%12.57%13.28%10.68%6.15%19.98%25.74%28.82%21.31%-
Gross Profit35630727224121720517113610586.83
Operating Income19916614212210210899.5978.6963.5352.25
Net Income44.7335.3529.9624.0323.3714.8028.7924.7521.0416.44
Shares Outstanding11.4011.6611.5511.8212.8512.7012.5711.699.349.34
Earnings Per Share3.802.932.541.991.791.142.232.072.191.70
EPS Growth29.69%15.35%27.64%11.17%57.02%-48.88%7.73%-5.48%28.82%-
Operating Cash Flow16514611510083.3985.8572.6057.7241.4941.22
Capital Expenditures-5.75-5.35-4.21-5.71-3.37-3.32-4.16-2.00-2.58-1.21
Free Cash Flow15914111194.5380.0382.5368.4455.7338.9140.01
Cash & Equivalents56.4350.1422.0212.7418.165.914.123.304.850.86
Total Debt827651567490408341363292232190
Net Cash / Debt-771-601-545-477-390-336-359-289-227-189
Assets1,159956829712626530534435304241
Liabilities856677590505421352373305239198
Book Value30327923920720517816112952.8831.44
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Regional Management Corp.
Country United States
Employees 1,638
CEO Robert W. Beck

Stock Information

Ticker Symbol RM
Stock Exchange New York Stock Exchange
Sector Financial Services
Industry Credit Services
Unique Identifier NYSE: RM
IPO Date March 28, 2012

Description

Regional Management, 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. It offers small and large installment loans; retail loans to finance the purchase of furniture, appliances, and other retail products; 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. The company's loans are sourced through branches, direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of March 26, 2020, it operated through a network of 366 branches in 11 states located in the Southeastern, Southwestern, Mid-Atlantic, and Midwestern United States. Regional Management Corp. was founded in 1987 and is headquartered in Greer, South Carolina.