Regional Management Corp.

Regional Management Corp.

RMยทNYSE

$34.24

-3.8%
Financial ServicesFinancial - Credit Services

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.

At a Glance

Live Snapshot
Market Cap$315.29M
EPS4.6300
P/E Ratio7.40
Earnings Date07/29/2026
Regional Management Corp.

Regional Management Corp. Fair Value Envelope

RM ยท NYSE

Our analysis suggests that RM has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $34.24, this represents a potential HIDDEN relative to our calculated worth for Regional Management Corp..

Intrinsic Value
Current Price: $34.24

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$14.6B
+ Cash & Equivalents$98.0M
Firm Value$14.7B
- Debt$1.7B
Equity Value$13.0B
/ Shares Outstanding9,799,066B
DCF Value$1.3K
UNDERVALUED BY 3762%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$356.4M
$411.0M
$474.0M
$546.7M
$630.4M
$727.0M
$838.4M
$966.9M
$1.1B
$1.3B
Maintenance CapEx
-$1.1M
-$1.3M
-$1.5M
-$1.7M
-$1.9M
-$2.2M
-$2.6M
-$3.0M
-$3.4M
-$4.0M
Owner Earnings
$355.3M
$409.8M
$472.6M
$545.0M
$628.5M
$724.8M
$835.9M
$963.9M
$1.1B
$1.3B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$329.0M
$351.3M
$375.1M
$400.6M
$427.7M
$456.7M
$487.7M
$520.8M
$556.1M
$593.8M
Terminal Value represents 69.2% of Enterprise Value