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Regional Management Corp. RM
Financial Services - Financial - Credit Services - NYSE - US
Watchlist
$ 28.19
0.931 %
$ 277 M
Market Cap
6.81
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one RM stock under the worst case scenario is HIDDEN Compared to the current market price of 28.2 USD, Regional Management Corp. is HIDDEN

RM Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one RM stock under the base case scenario is HIDDEN Compared to the current market price of 28.2 USD, Regional Management Corp. is HIDDEN

RM Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one RM stock under the best case scenario is HIDDEN Compared to the current market price of 28.2 USD, Regional Management Corp. is HIDDEN

RM Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart RM

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1M -9%
6M -6%
1Y 16%
3Y -53%
5Y 147%
All
$37.0$37.0$36.0$36.0$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
589 M REVENUE
6.73%
Growth Rates
1Year 6.73%
3Years 14.02%
5Years 13.27%
7Years 13.10%
10Years 11.98%
296 M OPERATING INCOME
316.43%
Growth Rates
1Year 316.43%
3Years 38.06%
5Years 38.07%
7Years 24.41%
10Years 22.50%
41.2 M NET INCOME
158.35%
Growth Rates
1Year 158.35%
3Years -22.53%
5Years -1.62%
7Years 4.66%
10Years 10.79%
269 M OPERATING CASH FLOW
7.93%
Growth Rates
1Year 7.93%
3Years 12.47%
5Years 10.25%
7Years 12.84%
10Years 12.14%
-315 M INVESTING CASH FLOW
-13.15%
Growth Rates
1Year -13.15%
3Years 3.87%
5Years -2.73%
7Years -7.64%
10Years -17.19%
53.4 M FINANCING CASH FLOW
102.07%
Growth Rates
1Year 102.07%
3Years -39.68%
5Years -14.49%
7Years -4.51%
10Years 16.31%
135 M REVENUE
6.34%
Growth Rates
1Year 6.73%
3Years 14.02%
5Years 13.27%
7Years 13.10%
10Years 11.98%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 316.43%
3Years 38.06%
5Years 38.07%
7Years 24.41%
10Years 22.50%
9.91 M NET INCOME
29.37%
Growth Rates
1Year 158.35%
3Years -22.53%
5Years -1.62%
7Years 4.66%
10Years 10.79%
63.8 M OPERATING CASH FLOW
-15.01%
Growth Rates
1Year 7.93%
3Years 12.47%
5Years 10.25%
7Years 12.84%
10Years 12.14%
-119 M INVESTING CASH FLOW
-6.38%
Growth Rates
1Year -13.15%
3Years 3.87%
5Years -2.73%
7Years -7.64%
10Years -17.19%
70.4 M FINANCING CASH FLOW
409.53%
Growth Rates
1Year 102.07%
3Years -39.68%
5Years -14.49%
7Years -4.51%
10Years 16.31%
Balance Sheet Regional Management Corp.
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Current Assets 3.95 M
Cash & Short-Term Investments 3.95 M
Receivables 0
Other Current Assets 0
Non-Current Assets 85.9 M
Long-Term Investments 0
PP&E 52.1 M
Other Non-Current Assets 33.8 M
4.40 %57.99 %37.62 %Total Assets$89.9m
Current Liabilities 315 M
Accounts Payable 0
Short-Term Debt 315 M
Other Current Liabilities 0
Non-Current Liabilities 1.2 B
Long-Term Debt 1.2 B
Other Non-Current Liabilities 0
20.86 %79.14 %Total Liabilities$1.5b
EFFICIENCY
Earnings Waterfall Regional Management Corp.
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Revenue 589 M
Cost Of Revenue 25.8 M
Gross Profit 563 M
Operating Expenses 267 M
Operating Income 296 M
Other Expenses 255 M
Net Income 41.2 M
600m600m500m500m400m400m300m300m200m200m100m100m00589m(26m)563m(267m)296m(255m)41mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
95.61% GROSS MARGIN
95.61%
Averages
1Year 95.61%
3Years 73.60%
5Years 83.15%
7Years 87.37%
10Years 88.22%
50.29% OPERATING MARGIN
50.29%
Averages
1Year 50.29%
3Years 28.08%
5Years 24.65%
7Years 24.43%
10Years 25.05%
6.92% NET MARGIN
6.92%
Averages
1Year 6.92%
3Years 6.88%
5Years 10.19%
7Years 11.15%
10Years 11.26%
11.40% ROE
11.40%
Averages
1Year 11.40%
3Years 10.98%
5Years 14.83%
7Years 14.51%
10Years 13.71%
2.13% ROA
2.13%
Averages
1Year 2.13%
3Years 2.00%
5Years 2.90%
7Years 3.15%
10Years 3.27%
247.82% ROIC
247.82%
Averages
1Year 247.82%
3Years 174.14%
5Years 92.37%
7Years 65.03%
10Years 61.90%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Regional Management Corp.
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300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 41.2 M
Depreciation & Amortization 14.1 M
Capital Expenditures -5.05 M
Stock-Based Compensation 11.2 M
Change in Working Capital 1.21 M
Others 198 M
Free Cash Flow 264 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Regional Management Corp.
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RM has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.88% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.20.30.30.30.30.250.30.30.30.250.30.30.30.20.900.251.150.31.200.31.200.30.600.00202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Regional Management Corp.
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Sold
0-3 MONTHS
477 K USD 1
3-6 MONTHS
3.64 M USD 4
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
35.1 K USD 1
0-3 MONTHS
91.1 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
2.19 M USD 1
9-12 MONTHS
7. News
Regional Management Corp. Completes $265 Million Asset-Backed Securitization GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today that it has completed a $265 million asset-backed securitization, marking its 12th successful securitization. The Regional Management Issuance Trust 2025-1 (RMIT 2025-1) notes were issued at a weighted-average coupon of 5.30% (a 5 bp improvement over the prior RMIT 2024-2 issued notes), secured by $298 million of receivables, with a 2-year revolving period. The Class. businesswire.com - 2 weeks ago
Regional Management Corp. to Report First Quarter 2025 Results on Wednesday, April 30, 2025 GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today that it will report its first quarter 2025 results after the market closes on Wednesday, April 30, 2025. The company will hold a conference call to discuss results at 5:00 PM ET on that day. A live webcast of the conference call will be available on Regional Management's website at www.RegionalManagement.com. The dial-in number for the conference call is (877) 407-075. businesswire.com - 2 weeks ago
Regional Management Corp. Appoints Julie Booth to Its Board of Directors GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced the appointment of Julie Booth to its Board of Directors, effective immediately. Ms. Booth most recently served as Chief Financial Officer and Treasurer of Rocket Companies (NYSE: RKT) (“Rocket”), the Detroit-based fintech platform company with mortgage, real estate, and personal finance businesses. Ms. Booth's appointment increases the size of Regional Management's B. businesswire.com - 1 month ago
Regional Management's Q4 Earnings Beat Estimates, Stock Dips 2% RM's fourth-quarter results reflect higher interest and fee income, and rising loan originations, partly offset by an increase in total general and administrative expenses. zacks.com - 1 month ago
Should Value Investors Buy Regional Management (RM) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Regional Management Corp. (RM) Hit a 52 Week High, Can the Run Continue? Regional Management (RM) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 2 months ago
Regional Management Corp. (RM) Q4 2024 Earnings Call Transcript Regional Management Corp. (NYSE:RM ) Q4 2024 Earnings Conference Call February 5, 2024 5:00 PM ET Corporate Participants Garrett Edson - ICR Rob Beck - President and Chief Executive Officer Harp Rana - Chief Financial Officer Conference Call Participants John Hecht - Jefferies David Scharf - Citizens JMP John Rowan - Janney Vincent Caintic - BTIG Operator Greetings and welcome to the Regional Management Fourth Quarter 2024 Conference Call. At this time all participants are in a listen-only mode. seekingalpha.com - 2 months ago
Regional Management (RM) Tops Q4 Earnings and Revenue Estimates Regional Management (RM) came out with quarterly earnings of $0.98 per share, beating the Zacks Consensus Estimate of $0.88 per share. This compares to earnings of $0.54 per share a year ago. zacks.com - 2 months ago
Regional Management Corp. Announces Fourth Quarter 2024 Results GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the fourth quarter ended December 31, 2024. “We are very pleased with how our team and company performed in the fourth quarter,” said Robert W. Beck, President and Chief Executive Officer of Regional Management Corp. “We generated strong bottom-line results of $9.9 million of net income and 98 cents of diluted earnings per share, a sharp improvement from t. businesswire.com - 2 months ago
Regional Management Unveils $30M Buyback Plan & Growth Targets RM targets net receivables to increase 10-12% in 2025. zacks.com - 4 months ago
Regional Management Announces $30M Stock Buyback Plan, '25 Growth View RM declared a $30 million share repurchase plan. Additionally, it provided a 2025 growth outlook. zacks.com - 4 months ago
Regional Management Corp. Announces Stock Repurchase Program and Growth Outlook GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced a $30 million stock repurchase program and growth expectations for 2025. “Having executed well throughout the economic cycle, we carry strong momentum and a healthy balance sheet into the new year, with significant funding for continued execution on our long-term growth strategy and the return of excess capital to shareholders,” said Robert W. Beck, President and Chie. businesswire.com - 4 months ago
8. Profile Summary

Regional Management Corp. RM

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 277 M
Dividend Yield 0.88%
Description 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.
Contact 979 Batesville Road, Greer, SC, 29651 https://www.regionalmanagement.com
IPO Date March 28, 2012
Employees 2131
Officers Mr. Robert William Beck President, Chief Executive Officer & Director Mr. Chris Peterson Chief Data & Analytics Officer Ms. Harpreet Rana Executive Vice President and Chief Financial & Administrative Officer Mr. Brian J. Fisher J.D. Executive Vice President and Chief Strategy & Development Officer Ms. Catherine R Atwood J.D. Senior Vice President, General Counsel & Secretary Mr. Manish Parmar Executive Vice President & Chief Credit Risk Officer Mr. Steven B. Barnette Vice President, Corporate Controller, Principal Accounting Officer & Chief Accounting Officer