(RM) Regional Management - Ratings and Ratios
Installment Loans, Insurance, Reinsurance
RM EPS (Earnings per Share)
RM Revenue
Description: RM Regional Management
Regional Management Corp (NYSE:RM) is a consumer finance company that provides installment loan products to individuals with limited access to traditional credit sources. The companys loan offerings cater to a niche market, providing small and large loans, as well as related insurance products, such as credit life insurance and personal property insurance.
To evaluate Regional Management Corps performance, we can examine key performance indicators (KPIs) such as delinquency rates, charge-off rates, and loan growth. A lower delinquency rate and charge-off rate indicate effective risk management, while steady loan growth suggests a strong demand for the companys products. Additionally, the companys return on equity (RoE) of 10.50% indicates a relatively healthy profitability level. Other relevant KPIs include the companys net interest margin, which measures the difference between interest income and expense, and its efficiency ratio, which assesses the companys ability to manage operating expenses.
Regional Management Corps diversified sourcing channels, including branches, direct mail campaigns, digital partners, and consumer website, contribute to its ability to originate loans and grow its business. The companys insurance products, such as credit life insurance and personal property insurance, also provide a supplementary revenue stream. To further assess the companys prospects, we can analyze its competitive positioning within the consumer finance industry, as well as its ability to adapt to regulatory changes and shifting consumer behaviors.
From a valuation perspective, Regional Management Corps price-to-earnings (P/E) ratio of 8.77 and forward P/E ratio of 6.52 suggest a relatively attractive valuation compared to its earnings. However, a more comprehensive analysis of the companys financials, including its revenue growth, profit margins, and cash flow generation, is necessary to determine its intrinsic value.
RM Stock Overview
| Market Cap in USD | 371m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2012-03-28 |
RM Stock Ratings
| Growth Rating | 40.2% |
| Fundamental | 66.3% |
| Dividend Rating | 74.6% |
| Return 12m vs S&P 500 | 15.4% |
| Analyst Rating | 3.67 of 5 |
RM Dividends
| Dividend Yield 12m | 2.99% |
| Yield on Cost 5y | 6.63% |
| Annual Growth 5y | 56.51% |
| Payout Consistency | 98.3% |
| Payout Ratio | 34.6% |
RM Growth Ratios
| Growth Correlation 3m | 67.1% |
| Growth Correlation 12m | 39.9% |
| Growth Correlation 5y | -17.2% |
| CAGR 5y | 15.52% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.37 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.85 |
| Sharpe Ratio 12m | 1.22 |
| Alpha | 21.11 |
| Beta | 1.155 |
| Volatility | 44.48% |
| Current Volume | 47k |
| Average Volume 20d | 38.4k |
| Stop Loss | 38.4 (-4.3%) |
| Signal | 0.83 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (38.8m TTM) > 0 and > 6% of Revenue (6% = 36.7m TTM) |
| FCFTA 0.14 (>2.0%) and ΔFCFTA -0.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -35.71% (prev 298.7%; Δ -334.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.14 (>3.0%) and CFO 281.3m > Net Income 38.8m (YES >=105%, WARN >=100%) |
| Net Debt (1.43b) to EBITDA (145.5m) ratio: 9.79 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.02 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (9.84m) change vs 12m ago -0.20% (target <= -2.0% for YES) |
| Gross Margin 96.08% (prev 61.12%; Δ 34.95pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 32.56% (prev 30.91%; Δ 1.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.16 (EBITDA TTM 145.5m / Interest Expense TTM 79.4m) >= 6 (WARN >= 3) |
Altman Z'' 0.50
| (A) -0.11 = (Total Current Assets 4.27m - Total Current Liabilities 222.7m) / Total Assets 1.97b |
| (B) 0.20 = Retained Earnings (Balance) 389.6m / Total Assets 1.97b |
| (C) 0.05 = EBIT TTM 92.4m / Avg Total Assets 1.88b |
| (D) 0.24 = Book Value of Equity 391.1m / Total Liabilities 1.60b |
| Total Rating: 0.50 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 66.33
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 15.37% = 5.0 |
| 3. FCF Margin 45.14% = 7.50 |
| 4. Debt/Equity 4.26 = -2.24 |
| 5. Debt/Ebitda 9.79 = -2.50 |
| 6. ROIC - WACC (= 1.04)% = 1.30 |
| 7. RoE 10.84% = 0.90 |
| 8. Rev. Trend 94.52% = 7.09 |
| 9. EPS Trend -4.41% = -0.22 |
What is the price of RM shares?
Over the past week, the price has changed by +5.74%, over one month by -8.63%, over three months by +24.08% and over the past year by +32.38%.
Is Regional Management a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RM is around 39.88 USD . This means that RM is currently overvalued and has a potential downside of -0.62%.
Is RM a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the RM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44.7 | 11.3% |
| Analysts Target Price | 44.7 | 11.3% |
| ValueRay Target Price | 42.2 | 5.1% |
Last update: 2025-10-13 02:03
RM Fundamental Data Overview
P/E Trailing = 10.9277
P/E Forward = 6.5189
P/S = 0.6264
P/B = 1.0508
P/EG = 0.42
Beta = 1.155
Revenue TTM = 611.6m USD
EBIT TTM = 92.4m USD
EBITDA TTM = 145.5m USD
Long Term Debt = 1.50b USD (from longTermDebt, last quarter)
Short Term Debt = 247.7m USD (from shortLongTermDebt, last quarter)
Debt = 1.55b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.43b USD (from netDebt column, last quarter)
Enterprise Value = 1.80b USD (370.5m + Debt 1.55b - CCE 121.9m)
Interest Coverage Ratio = 1.16 (Ebit TTM 92.4m / Interest Expense TTM 79.4m)
FCF Yield = 15.37% (FCF TTM 276.1m / Enterprise Value 1.80b)
FCF Margin = 45.14% (FCF TTM 276.1m / Revenue TTM 611.6m)
Net Margin = 6.34% (Net Income TTM 38.8m / Revenue TTM 611.6m)
Gross Margin = 96.08% ((Revenue TTM 611.6m - Cost of Revenue TTM 24.0m) / Revenue TTM)
Gross Margin QoQ = 95.61% (prev 95.49%)
Tobins Q-Ratio = 0.91 (Enterprise Value 1.80b / Total Assets 1.97b)
Interest Expense / Debt = 1.32% (Interest Expense 20.4m / Debt 1.55b)
Taxrate = 24.80% (3.34m / 13.5m)
NOPAT = 69.5m (EBIT 92.4m * (1 - 24.80%))
Current Ratio = 0.02 (Total Current Assets 4.27m / Total Current Liabilities 222.7m)
Debt / Equity = 4.26 (Debt 1.55b / totalStockholderEquity, last quarter 363.0m)
Debt / EBITDA = 9.79 (Net Debt 1.43b / EBITDA 145.5m)
Debt / FCF = 5.16 (Net Debt 1.43b / FCF TTM 276.1m)
Total Stockholder Equity = 357.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.97% (Net Income 38.8m / Total Assets 1.97b)
RoE = 10.84% (Net Income TTM 38.8m / Total Stockholder Equity 357.7m)
RoCE = 4.97% (EBIT 92.4m / Capital Employed (Equity 357.7m + L.T.Debt 1.50b))
RoIC = 3.82% (NOPAT 69.5m / Invested Capital 1.82b)
WACC = 2.79% (E(370.5m)/V(1.92b) * Re(10.27%) + D(1.55b)/V(1.92b) * Rd(1.32%) * (1-Tc(0.25)))
Discount Rate = 10.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 2.13%
[DCF Debug] Terminal Value 72.33% ; FCFE base≈266.8m ; Y1≈295.1m ; Y5≈383.2m
Fair Price DCF = 469.8 (DCF Value 4.60b / Shares Outstanding 9.80m; 5y FCF grow 12.21% → 3.0% )
EPS Correlation: -4.41 | EPS CAGR: -40.06% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.52 | Revenue CAGR: 10.52% | SUE: 0.28 | # QB: 0
Additional Sources for RM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle