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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

D1W1MN
XNYS:RM chart
P/E
20.88
P/S
0.60
EPS
1.57
Div Yield, %
3.57%
Shrs. gr., 5y
-4.50%
Rev. gr., 5y
15.08%
Revenues
551m
+16.58%
64,133,00076,948,00092,876,000124,436,000156,485,000189,772,000201,085,000220,594,000248,551,000273,242,000315,588,000336,054,000397,002,000472,964,000551,399,000
Net income
16m
-68.85%
9,873,00016,444,00021,244,00025,367,00028,794,00014,802,00023,365,00024,031,00029,963,00035,345,00044,732,00026,730,00088,687,00051,224,00015,958,000
CFO
249m
+11.07%
31,232,00041,215,00041,048,00057,569,00072,590,00085,520,00082,443,00099,908,000115,433,000146,285,000165,062,000172,582,000189,015,000224,332,000249,166,000
Dividend
Aug 21, 20240.3 USD/sh
Earnings
Feb 05, 2025

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
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
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%