RM - Regional Management Corp Stock Price, Fair Value and News

24.98USD+0.11 (+0.44%)Delayed as of 19 Apr 2024, 02:09 pm ET

Market Summary

USD24.98+0.11

Delayedas of 19 Apr 2024, 02:09 pm

0.44%

RM Alerts

1 major insider buys recently.

RM Stock Price

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RM RSI Chart

RM Valuation

Market Cap

243.1M

Price/Earnings (Trailing)

15.23

Price/Sales (Trailing)

0.44

EV/EBITDA

15.81

Price/Free Cashflow

0.99

RM Price/Sales (Trailing)

RM Profitability

EBT Margin

3.77%

Return on Equity

4.95%

Return on Assets

0.89%

Free Cashflow Yield

100.57%

RM Fundamentals

RM Revenue

Revenue (TTM)

551.4M

Rev. Growth (Yr)

7.3%

Rev. Growth (Qtr)

0.55%

RM Earnings

Earnings (TTM)

16.0M

Earnings Growth (Yr)

-416.77%

Earnings Growth (Qtr)

-185.87%

Breaking Down RM Revenue

52 Week Range

24.7034.60

(Low)(High)

Last 7 days

-1.9%

Last 30 days

7.4%

Last 90 days

-1.8%

Trailing 12 Months

-6.9%

How does RM drawdown profile look like?

RM Financial Health

Debt/Equity

4.33

Debt/Cashflow

0.18

RM Investor Care

Shares Dilution (1Y)

2.47%

Diluted EPS (TTM)

1.66

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	521.7M	532.3M	541.8M	551.4M
2022	451.5M	474.7M	494.7M	507.2M
2021	375.6M	385.4M	406.3M	428.4M
2020	370.0M	375.6M	374.4M	373.9M
2019	315.8M	327.7M	341.5M	355.7M
2018	279.3M	286.3M	295.1M	306.7M
2017	249.6M	257.7M	264.4M	272.5M
2016	221.5M	225.8M	233.2M	240.5M
2015	207.7M	213.2M	214.4M	217.3M
2014	181.6M	189.9M	199.5M	204.7M
2013	142.8M	150.0M	159.0M	170.6M
2012	112.0M	119.6M	128.2M	135.7M
2011	91.4M	96.0M	100.6M	105.2M
2010	0	0	0	86.8M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Regional Management Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 12, 2024	atwood catherine r	sold	-	-	-2,523	svp and general counsel
Apr 12, 2024	fisher brian j.	acquired	-	-	4,963	evp, chief strat/dev officer
Apr 12, 2024	fisher brian j.	sold (taxes)	-38,175	25.00	-1,527	evp, chief strat/dev officer
Apr 12, 2024	beck robert william	sold (taxes)	-214,675	25.00	-8,587	president and ceo
Apr 12, 2024	rana harpreet	sold (taxes)	-49,600	25.00	-1,984	evp and cfo
Apr 12, 2024	rana harpreet	sold	-	-	-5,501	evp and cfo
Apr 12, 2024	beck robert william	acquired	-	-	18,530	president and ceo
Apr 12, 2024	parmar manish	sold (taxes)	-26,600	25.00	-1,064	evp, chief credit risk officer
Apr 12, 2024	atwood catherine r	sold (taxes)	-19,400	25.00	-776	svp and general counsel
Apr 12, 2024	parmar manish	sold	-	-	-4,367	evp, chief credit risk officer

Which funds bought or sold RM recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 10, 2024	ATWOOD & PALMER INC	unchanged	-	-174	4,842	-%
Apr 05, 2024	GAMMA Investing LLC	added	16.67	162	1,186	-%
Apr 05, 2024	CWM, LLC	added	12.5	-	-	-%
Apr 05, 2024	LOS ANGELES CAPITAL MANAGEMENT LLC	reduced	-0.56	-48,350	1,157,020	-%
Mar 22, 2024	PNC Financial Services Group, Inc.	sold off	-100	-25,244	-	-%
Mar 11, 2024	VANGUARD GROUP INC	added	2.7	-805,964	10,795,400	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	added	247	2,653,260	3,888,200	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	added	2.22	-8,003	100,420	-%
Feb 16, 2024	PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO	unchanged	-	-8,080	76,920	-%
Feb 16, 2024	GSA CAPITAL PARTNERS LLP	new	-	200,000	200,000	0.02%

Are Funds Buying or Selling RM?

Are funds buying RM calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own RM

No. of Funds

RM Alerts

1 major insider buys recently.

Unveiling Regional Management Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	forager fund, l.p.	10.0%	983,686	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	7.7%	759,118	SC 13G/A
Feb 08, 2024	wellington trust co n a	7.10%	698,298	SC 13G/A
Feb 08, 2024	wellington management group llp	7.43%	731,018	SC 13G/A
Jan 23, 2024	blackrock inc.	14.1%	1,382,534	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	8.0%	763,511	SC 13G/A
Feb 06, 2023	wellington management group llp	8.28%	793,431	SC 13G/A
Feb 06, 2023	wellington trust co n a	7.92%	758,911	SC 13G/A
Jan 23, 2023	blackrock inc.	10.9%	1,042,908	SC 13G/A
Jan 10, 2023	forager capital management, llc	8.2%	784,566	SC 13G

Recent SEC filings of Regional Management Corp

View All Filings

Date Filed	Form Type	Document
Apr 17, 2024	ARS	ARS
Apr 16, 2024	4	Insider Trading
Apr 16, 2024	4	Insider Trading
Apr 16, 2024	4	Insider Trading
Apr 16, 2024	4	Insider Trading
Apr 16, 2024	4	Insider Trading
Apr 16, 2024	DEFR14A	DEFR14A
Apr 15, 2024	DEF 14A	DEF 14A
Apr 03, 2024	8-K	Current Report
Mar 12, 2024	4	Insider Trading

Peers (Alternatives to Regional Management Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.4B	25.1B	-6.03%	22.00%	38.35	17.11	12.87%	12.74%
AXP	157.5B	60.5B	-1.84%	31.93%	18.81	2.6	14.48%	11.45%
PYPL	66.5B	29.8B	-1.46%	-17.57%	15.67	2.24	8.19%	75.53%
COF	53.9B	41.9B	3.53%	42.68%	10.91	1.28	34.26%	32.87%
DFS	31.1B	17.8B	2.40%	17.39%	10.53	1.74	38.72%	-32.51%
ALLY	11.8B	14.0B	2.22%	41.02%	11.54	0.84	31.42%	-40.49%
MID-CAP
CACC	6.6B	1.9B	-3.52%	7.62%	23.07	3.47	3.79%	-46.60%
FCFS	5.8B	3.2B	9.55%	31.83%	26.48	1.84	15.50%	-13.49%
WU	4.4B	4.4B	-4.01%	18.73%	7.07	1.02	-2.65%	-31.25%
NNI	3.5B	1.1B	6.20%	0.93%	38.59	3.18	8.54%	-77.53%
SMALL-CAP
ENVA	1.7B	2.1B	-3.04%	23.67%	9.59	0.79	21.98%	-15.57%
ATLC	358.0M	1.2B	-17.33%	-13.85%	3.48	0.31	10.41%	-24.15%
CPSS	182.6M	352.0M	10.68%	-6.42%	4.03	0.52	6.77%	-47.27%
AIHS	8.6M	7.3M	-10.89%	4.52%	-2.23	1.18	-51.06%	-195.09%
CURO	3.3M	853.2M	-40.00%	-94.94%	-0.01	0	-15.13%	-1364.54%

Regional Management Corp News

Latest updates

Regional Management Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	0.6%	142	141	133	135	132	131	123	121	119	111	100	98.00	97.00	91.00	90.00	96.00	98.00	92.00	84.00	82.00	84.00
S&GA Expenses	4.3%	65.00	62.00	57.00	59.00	55.00	58.00	54.00	55.00	56.00	48.00	46.00	46.00	45.00	44.00	42.00	46.00	41.00	40.00	38.00	38.00	37.00
EBITDA Margin	-9.0%	0.17*	0.19*	0.19*	0.20*	0.23*	0.28*	0.32*	0.35*	0.36*	0.37*	0.36*	0.34*	-	-	-	-	-	-	-	-	-
Interest Expenses	4.2%	16.00	15.00	14.00	15.00	12.00	10.00	9.00	9.00	8.00	9.00	8.00	7.00	9.00	9.00	9.00	10.00	10.00	10.00	10.00	10.00	10.00
Income Taxes	-194.3%	-1.96	2.00	2.00	3.00	-1.16	3.00	4.00	8.00	5.00	7.00	5.00	8.00	4.00	4.00	4.00	-3.52	5.00	4.00	3.00	2.00	3.00
Earnings Before Taxes	-187.5%	-9.53	11.00	8.00	12.00	1.00	13.00	16.00	35.00	25.00	29.00	25.00	33.00	19.00	15.00	12.00	-9.85	21.00	17.00	11.00	11.00	14.00
EBT Margin	-35.3%	0.04*	0.06*	0.06*	0.08*	0.13*	0.18*	0.22*	0.25*	0.26*	0.26*	0.24*	0.21*	-	-	-	-	-	-	-	-	-
Net Income	-185.9%	-7.57	9.00	6.00	9.00	2.00	10.00	12.00	27.00	21.00	22.00	20.00	26.00	14.00	11.00	7.00	-6.32	16.00	13.00	8.00	8.00	11.00
Net Income Margin	-39.5%	0.03*	0.05*	0.05*	0.06*	0.10*	0.14*	0.17*	0.20*	0.21*	0.20*	0.18*	0.16*	-	-	-	-	-	-	-	-	-
Free Cashflow	-1.3%	66.00	67.00	61.00	51.00	57.00	54.00	63.00	45.00	55.00	46.00	49.00	35.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.7%	1,795	1,765	1,724	1,701	1,725	1,607	1,548	1,498	1,460	1,314	1,191	1,098	1,104	1,038	1,000	1,079	1,159	1,086	1,019	953	956
Cash Equivalents	3.4%	129	124	141	134	132	117	153	157	149	112	106	86.00	72.00	63.00	63.00	69.00	56.00	46.00	42.00	41.00	50.00
Net PPE	-2.6%	14.00	14.00	15.00	15.00	15.00	12.00	13.00	13.00	13.00	12.00	13.00	13.00	14.00	15.00	16.00	15.00	15.00	15.00	14.00	14.00	14.00
Liabilities	2.6%	1,472	1,435	1,402	1,384	1,416	1,298	1,249	1,199	1,177	1,036	912	815	832	765	740	828	856	789	729	666	677
Long Term Debt	2.1%	1,395	1,367	1,338	1,321	1,346	1,231	1,184	1,122	1,097	969	844	744	762	692	676	769	799	736	682	620	651
Shareholder's Equity	-2.5%	322	331	322	317	309	308	299	299	283	277	279	284	272	272	260	251	303	297	290	288	279
Retained Earnings	-2.9%	350	360	354	351	346	346	339	330	306	288	268	251	227	215	204	197	249	233	221	212	204
Additional Paid-In Capital	1.9%	122	120	116	114	112	112	108	106	105	106	106	105	105	106	105	103	103	102	100	99.00	99.00
Shares Outstanding	-0.8%	10.00	10.00	10.00	10.00	10.00	9.00	9.00	10.00	10.00	10.00	10.00	11.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	246	-	-	-	290	-	-	-	392	-	-	-	164	-	-	-	257	-	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-1.0%	67.00	68.00	62.00	53.00	60.00	55.00	64.00	46.00	57.00	47.00	50.00	35.00	40.00	41.00	40.00	45.00	43.00	48.00	36.00	31.00	42.00
Share Based Compensation	17.8%	4.00	3.00	2.00	2.00	3.00	3.00	3.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	2.00	1.00	1.00	1.00	1.00
Cashflow From Investing	22.6%	-84.61	-109	-64.57	-20.20	-151	-133	-112	-49.35	-128	-140	-101	15.00	-85.13	-55.32	49.00	0.00	-82.87	-91.18	-87.92	-6.79	-67.28
Cashflow From Financing	-11.4%	22.00	25.00	10.00	-29.96	106	43.00	45.00	11.00	108	99.00	71.00	-35.50	55.00	13.00	-94.23	-31.68	50.00	46.00	53.00	-32.80	46.00
Buy Backs	-	-	-	-	-	-	-	12.00	9.00	11.00	22.00	22.00	12.00	-	-	-	-	11.00	7.00	-	-	-

RM Income Statement

2023-12-31

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Revenue
Interest and fee income	$ 489,698	$ 450,854	$ 382,544
Insurance income, net	44,529	43,502	35,482
Other income	17,172	12,831	10,325
Total revenue	551,399	507,187	428,351
Expenses
Provision for credit losses	220,034	185,115	89,015
Personnel	156,872	141,243	119,833
Occupancy	25,029	23,809	24,126
Marketing	15,774	15,378	14,405
Other	45,444	42,098	37,150
Total general and administrative expenses	243,119	222,528	195,514
Interest expense	67,463	34,223	31,349
Income before income taxes	20,783	65,321	112,473
Income taxes	4,825	14,097	23,786
Net income	$ 15,958	$ 51,224	$ 88,687
Net income per common share:
Basic	$ 1.70	$ 5.51	$ 8.84
Diluted	$ 1.66	$ 5.30	$ 8.33
Weighted-average common shares outstanding:
Basic	9,398,000	9,296,000	10,034,000
Diluted	9,593,000	9,656,000	10,643,000
Other comprehensive income (loss), net of tax:
Unrealized income (loss) on restricted available-for-sale investments	$ 271	$ (742)
Other comprehensive income (loss), before tax	271	(742)
Income taxes related to items of other comprehensive income (loss)	(57)	156
Other comprehensive income (loss), net of tax	214	(586)
Total comprehensive income	$ 16,172	$ 50,638	$ 88,687

RM Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash	$ 4,509	$ 3,873
Net finance receivables	1,771,410	1,699,393
Unearned insurance premiums	(47,892)	(51,008)
Allowance for credit losses	(187,400)	(178,800)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,536,118	1,469,585
Restricted cash	124,164	127,926
Lease assets	34,303	34,521
Restricted available-for-sale investments	22,740	20,416
Intangible assets	15,846	12,122
Property and equipment	13,787	14,526
Deferred tax assets, net	13,641	13,810
Other assets	29,419	28,208
Total assets	1,794,527	1,724,987
Liabilities:
Debt	1,399,814	1,355,359
Unamortized debt issuance costs	(4,578)	(9,512)
Net debt	1,395,236	1,345,847
Accounts payable and accrued expenses	40,442	33,795
Lease liabilities	36,576	36,712
Total liabilities	1,472,254	1,416,354
Commitments and contingencies (Notes 7, 17, and 18)
Stockholders’ equity:
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 14,566 shares issued and 9,759 shares outstanding at December 31, 2023 and 14,330 shares issued and 9,523 shares outstanding at December 31, 2022)	1,457	1,433
Additional paid-in capital	121,752	112,384
Retained earnings	349,579	345,545
Accumulated other comprehensive loss	(372)	(586)
Treasury stock (4,807 shares at December 31, 2023 and 2022)	(150,143)	(150,143)
Total stockholders’ equity	322,273	308,633
Total liabilities and stockholders’ equity	1,794,527	1,724,987
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	378	439
Net finance receivables	1,278,568	1,296,078
Allowance for credit losses	(133,207)	(134,708)
Restricted cash	123,899	126,017
Other assets	2,880	1,706
Total assets	1,272,518	1,289,532
Liabilities:
Net debt	1,200,380	1,199,404
Accounts payable and accrued expenses	218	167
Total liabilities	$ 1,200,598	$ 1,199,571

About Regional Management Corp

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, and digital partners, as well as its consumer website. The company was incorporated in 1987 and is headquartered in Greer, South Carolina.

CEO	Mr. Robert William Beck
WEBSITE	regionalmanagement.com
INDUSTRY	Credit Services
EMPLOYEES	1991

Regional Management Corp Frequently Asked Questions

What is the ticker symbol for Regional Management Corp? What does RM stand for in stocks?

RM is the stock ticker symbol of Regional Management Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Regional Management Corp (RM)?

As of Thu Apr 18 2024, market cap of Regional Management Corp is 243.09 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of RM stock?

You can check RM's fair value in chart for subscribers.

What is the fair value of RM stock?

You can check RM's fair value in chart for subscribers. The fair value of Regional Management Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Regional Management Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for RM so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Regional Management Corp a good stock to buy?

The fair value guage provides a quick view whether RM is over valued or under valued. Whether Regional Management Corp is cheap or expensive depends on the assumptions which impact Regional Management Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for RM.

What is Regional Management Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu Apr 18 2024, RM's PE ratio (Price to Earnings) is 15.23 and Price to Sales (PS) ratio is 0.44. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. RM PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Regional Management Corp's stock?

In the past 10 years, Regional Management Corp has provided 0.018 (multiply by 100 for percentage) rate of return.