(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 | 406m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2012-03-28 |
RM Stock Ratings
| Growth Rating | 32.6% |
| Fundamental | 62.3% |
| Dividend Rating | 74.5% |
| Return 12m vs S&P 500 | 16.7% |
| Analyst Rating | 3.67 of 5 |
RM Dividends
| Dividend Yield 12m | 3.23% |
| Yield on Cost 5y | 7.80% |
| Annual Growth 5y | 43.10% |
| Payout Consistency | 98.3% |
| Payout Ratio | 34.6% |
RM Growth Ratios
| Growth Correlation 3m | 93.4% |
| Growth Correlation 12m | 11.9% |
| Growth Correlation 5y | -13.2% |
| CAGR 5y | 23.42% |
| CAGR/Max DD 5y | 0.36 |
| Sharpe Ratio 12m | 1.35 |
| Alpha | 18.55 |
| Beta | 1.359 |
| Volatility | 42.56% |
| Current Volume | 41.8k |
| Average Volume 20d | 49.8k |
| Stop Loss | 42.2 (-3.7%) |
| Signal | 1.44 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (38.8m TTM) > 0 and > 6% of Revenue (6% = 34.3m TTM) |
| FCFTA 0.14 (>2.0%) and ΔFCFTA -0.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -9.29% (prev 298.7%; Δ -308.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.18 (>3.0%) and CFO 344.9m > Net Income 38.8m (YES >=105%, WARN >=100%) |
| Net Debt (1.43b) to EBITDA (111.3m) ratio: 12.80 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.07 (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 95.48% (prev 96.39%; Δ -0.91pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 30.48% (prev 30.91%; Δ -0.43pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.74 (EBITDA TTM 111.3m / Interest Expense TTM 79.4m) >= 6 (WARN >= 3) |
Altman Z'' 0.93
| (A) -0.03 = (Total Current Assets 3.95m - Total Current Liabilities 57.1m) / Total Assets 1.97b |
| (B) 0.20 = Retained Earnings (Balance) 389.6m / Total Assets 1.97b |
| (C) 0.03 = EBIT TTM 58.5m / Avg Total Assets 1.88b |
| (D) 0.24 = Book Value of Equity 391.1m / Total Liabilities 1.60b |
| Total Rating: 0.93 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.34
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 15.45% = 5.0 |
| 3. FCF Margin 48.23% = 7.50 |
| 4. Debt/Equity 4.14 = -2.14 |
| 5. Debt/Ebitda 13.49 = -2.50 |
| 6. ROIC - WACC -0.71% = -0.89 |
| 7. RoE 10.84% = 0.90 |
| 8. Rev. Trend 84.08% = 4.20 |
| 9. Rev. CAGR 10.52% = 1.31 |
| 10. EPS Trend 22.44% = 0.56 |
| 11. EPS CAGR -0.93% = -0.12 |
What is the price of RM shares?
Over the past week, the price has changed by +8.17%, over one month by +41.67%, over three months by +65.19% and over the past year by +36.46%.
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 41.69 USD . This means that RM is currently overvalued and has a potential downside of -4.9%.
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 | 39.8 | -9.3% |
| Analysts Target Price | 39.8 | -9.3% |
| ValueRay Target Price | 44.3 | 1% |
Last update: 2025-08-28 04:49
RM Fundamental Data Overview
CCE Cash And Equivalents = 121.9m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.9884
P/E Forward = 6.5189
P/S = 0.6873
P/B = 1.1064
P/EG = 0.42
Beta = 1.241
Revenue TTM = 572.4m USD
EBIT TTM = 58.5m USD
EBITDA TTM = 111.3m USD
Long Term Debt = 1.50b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 1.50b USD (Calculated: Short Term 0.0 + Long Term 1.50b)
Net Debt = 1.43b USD (from netDebt column, last quarter)
Enterprise Value = 1.79b USD (406.5m + Debt 1.50b - CCE 121.9m)
Interest Coverage Ratio = 0.74 (Ebit TTM 58.5m / Interest Expense TTM 79.4m)
FCF Yield = 15.45% (FCF TTM 276.1m / Enterprise Value 1.79b)
FCF Margin = 48.23% (FCF TTM 276.1m / Revenue TTM 572.4m)
Net Margin = 6.77% (Net Income TTM 38.8m / Revenue TTM 572.4m)
Gross Margin = 95.48% ((Revenue TTM 572.4m - Cost of Revenue TTM 25.8m) / Revenue TTM)
Tobins Q-Ratio = 4.57 (Enterprise Value 1.79b / Book Value Of Equity 391.1m)
Interest Expense / Debt = 1.36% (Interest Expense 20.4m / Debt 1.50b)
Taxrate = 23.76% (from yearly Income Tax Expense: 12.8m / 54.1m)
NOPAT = 44.6m (EBIT 58.5m * (1 - 23.76%))
Current Ratio = 0.07 (Total Current Assets 3.95m / Total Current Liabilities 57.1m)
Debt / Equity = 4.14 (Debt 1.50b / last Quarter total Stockholder Equity 363.0m)
Debt / EBITDA = 13.49 (Net Debt 1.43b / EBITDA 111.3m)
Debt / FCF = 5.44 (Debt 1.50b / FCF TTM 276.1m)
Total Stockholder Equity = 357.7m (last 4 quarters mean)
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 = 3.14% (Ebit 58.5m / (Equity 357.7m + L.T.Debt 1.50b))
RoIC = 2.45% (NOPAT 44.6m / Invested Capital 1.82b)
WACC = 3.16% (E(406.5m)/V(1.91b) * Re(11.02%)) + (D(1.50b)/V(1.91b) * Rd(1.36%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -10.0 | Cagr: -0.83%
Discount Rate = 11.02% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 70.03% ; FCFE base≈266.8m ; Y1≈295.1m ; Y5≈383.2m
Fair Price DCF = 425.2 (DCF Value 4.17b / Shares Outstanding 9.80m; 5y FCF grow 12.21% → 3.0% )
Revenue Correlation: 84.08 | Revenue CAGR: 10.52%
Rev Growth-of-Growth: -5.42
EPS Correlation: 22.44 | EPS CAGR: -0.93%
EPS Growth-of-Growth: 69.39
Additional Sources for RM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle