XNYSRM
Market cap333mUSD
Jan 08, Last price
32.79USD
1D
-0.55%
1Q
9.70%
Jan 2017
24.77%
IPO
95.53%
Name
Regional Management Corp
Chart & Performance
Profile
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.
IPO date
Mar 28, 2012
Employees
1,991
Domiciled in
US
Incorporated in
US
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
Income | |||||||||
Revenues | 551,399 16.58% | 472,964 19.13% | |||||||
Cost of revenue | 478,927 | 363,771 | |||||||
Unusual Expense (Income) | |||||||||
NOPBT | 72,472 | 109,193 | |||||||
NOPBT Margin | 13.14% | 23.09% | |||||||
Operating Taxes | 4,825 | 14,097 | |||||||
Tax Rate | 6.66% | 12.91% | |||||||
NOPAT | 67,647 | 95,096 | |||||||
Net income | 15,958 -68.85% | 51,224 -42.24% | |||||||
Dividends | (11,886) | (11,353) | |||||||
Dividend yield | 4.94% | 4.19% | |||||||
Proceeds from repurchase of equity | (2,923) | (23,606) | |||||||
BB yield | 1.21% | 8.71% | |||||||
Debt | |||||||||
Debt current | 460,652 | 164,724 | |||||||
Long-term debt | 1,017,417 | 1,419,271 | |||||||
Deferred revenue | (54,200) | ||||||||
Other long-term liabilities | (36,712) | ||||||||
Net debt | 1,473,560 | 1,539,290 | |||||||
Cash flow | |||||||||
Cash from operating activities | 249,166 | 224,332 | |||||||
CAPEX | (12,070) | (11,408) | |||||||
Cash from investing activities | (278,723) | (447,294) | |||||||
Cash from financing activities | 26,431 | 205,572 | |||||||
FCF | (3,062,208) | 206,040 | |||||||
Balance | |||||||||
Cash | 4,509 | 24,289 | |||||||
Long term investments | 20,416 | ||||||||
Excess cash | 21,057 | ||||||||
Stockholders' equity | 350,664 | 1,942,697 | |||||||
Invested Capital | 1,754,085 | 1,743,947 | |||||||
ROIC | 3.87% | 6.01% | |||||||
ROCE | 4.13% | 6.00% | |||||||
EV | |||||||||
Common stock shares outstanding | 9,593 | 9,656 | |||||||
Price | 25.08 -10.68% | 28.08 -51.13% | |||||||
Market cap | 240,592 -11.27% | 271,140 -55.66% | |||||||
EV | 1,714,152 | 3,406,735 | |||||||
EBITDA | 87,106 | 121,882 | |||||||
EV/EBITDA | 19.68 | 27.95 | |||||||
Interest | 67,463 | 34,223 | |||||||
Interest/NOPBT | 93.09% | 31.34% |