Regional Management Corp. (RM)
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% |
Analyst Summary
Analyst Consensus: Buy
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 356 | 307 | 272 | 241 | 217 | 205 | 171 | 136 | 105 | 86.83 |
| Revenue Growth | 15.98% | 12.57% | 13.28% | 10.68% | 6.15% | 19.98% | 25.74% | 28.82% | 21.31% | - |
| Gross Profit | 356 | 307 | 272 | 241 | 217 | 205 | 171 | 136 | 105 | 86.83 |
| Operating Income | 199 | 166 | 142 | 122 | 102 | 108 | 99.59 | 78.69 | 63.53 | 52.25 |
| Net Income | 44.73 | 35.35 | 29.96 | 24.03 | 23.37 | 14.80 | 28.79 | 24.75 | 21.04 | 16.44 |
| Shares Outstanding | 11.40 | 11.66 | 11.55 | 11.82 | 12.85 | 12.70 | 12.57 | 11.69 | 9.34 | 9.34 |
| Earnings Per Share | 3.80 | 2.93 | 2.54 | 1.99 | 1.79 | 1.14 | 2.23 | 2.07 | 2.19 | 1.70 |
| EPS Growth | 29.69% | 15.35% | 27.64% | 11.17% | 57.02% | -48.88% | 7.73% | -5.48% | 28.82% | - |
| Operating Cash Flow | 165 | 146 | 115 | 100 | 83.39 | 85.85 | 72.60 | 57.72 | 41.49 | 41.22 |
| Capital Expenditures | -5.75 | -5.35 | -4.21 | -5.71 | -3.37 | -3.32 | -4.16 | -2.00 | -2.58 | -1.21 |
| Free Cash Flow | 159 | 141 | 111 | 94.53 | 80.03 | 82.53 | 68.44 | 55.73 | 38.91 | 40.01 |
| Cash & Equivalents | 56.43 | 50.14 | 22.02 | 12.74 | 18.16 | 5.91 | 4.12 | 3.30 | 4.85 | 0.86 |
| Total Debt | 827 | 651 | 567 | 490 | 408 | 341 | 363 | 292 | 232 | 190 |
| Net Cash / Debt | -771 | -601 | -545 | -477 | -390 | -336 | -359 | -289 | -227 | -189 |
| Assets | 1,159 | 956 | 829 | 712 | 626 | 530 | 534 | 435 | 304 | 241 |
| Liabilities | 856 | 677 | 590 | 505 | 421 | 352 | 373 | 305 | 239 | 198 |
| Book Value | 303 | 279 | 239 | 207 | 205 | 178 | 161 | 129 | 52.88 | 31.44 |
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.