-0.89%
6.40%
25.89%
10.57%
48.30%
-28.77%
31.23%
AI Spotlight on RM
Company 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.
Market Data
| Last Price | 36.16 |
| Change Percentage | -0.89% |
| Open | 36.5 |
| Previous Close | 36.48 |
| Market Cap ( Millions) | 367 |
| Volume | 7170 |
| Year High | 37.19 |
| Year Low | 20.5 |
| M A 50 | 33.11 |
| M A 200 | 30.48 |
Financial Ratios
| FCF Yield | 72.29% |
| Dividend Yield | 3.32% |
| ROE | 6.93% |
| Debt / Equity | 405.35% |
| Net Debt / EBIDTA | 1338.73% |
| Price To Book | 0.99 |
| Price Earnings Ratio | 14.9 |
| Price To FCF | 1.38 |
| Price To sales | 0.66 |
| EV / EBITDA | 16.84 |
News
- Dec -03 - Regional Management Unveils $30M Buyback Plan & Growth Targets
- Dec -03 - Regional Management Announces $30M Stock Buyback Plan, '25 Growth View
- Dec -02 - Regional Management Corp. Announces Stock Repurchase Program and Growth Outlook
- Nov -27 - Regional Management Corp. Completes $250 Million Asset-Backed Securitization
- Nov -13 - Regional Management Shares Plunge 9.3% Despite Q3 Earnings Beat
- Nov -07 - Regional Management Corp. (RM) Q3 2024 Earnings Call Transcript
- Nov -07 - Regional Management (RM) Q3 Earnings Top Estimates
- Nov -06 - Regional Management Corp. Announces Third Quarter 2024 Results
- Oct -09 - Regional Management Corp. to Report Third Quarter 2024 Results on Wednesday, November 6, 2024
- Sep -30 - Regional Management Corp. Offers Assistance to Customers Impacted by Hurricane Helene
- Sep -03 - Regional Management Stock Rises 16% in a Month: Should You Buy?
- Aug -14 - Regional Management (RM) Declines 2.5% Despite Q2 Earnings Beat
- Aug -09 - 7 Stocks Set to Explode in August 2024
- Aug -01 - Regional Management Corp. (RM) Q2 2024 Earnings Call Transcript
- Aug -01 - Regional Management (RM) Q2 Earnings Top Estimates
- Jul -18 - Regional Management (RM) Surges 6.9%: Is This an Indication of Further Gains?
- Jul -01 - Regional Management Corp. to Report Second Quarter 2024 Results on Wednesday, July 31, 2024
- Jun -13 - Regional Management Corp. Completes $187 Million Asset-Backed Securitization
- May -30 - Regional Management Corp. Raises Over $50,000 in Support of the American Heart Association Upstate Heart Walk
- May -04 - Regional Management Corp. (RM) Q1 2024 Earnings Call Transcript
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer Finance
Expected Growth : 12.0 %
What the company do ?
Regional Management Corp's Consumer Finance offers personal loans, credit cards, and other financial services to individuals, helping them manage their finances and achieve their goals.
Why we expect these perspectives ?
Regional Management Corp's 12.0% growth in Consumer Finance is driven by increasing demand for personal loans, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digital transformation, improved risk management, and competitive pricing have contributed to its growth momentum.
Regional Management Corp. Products
| Product Range | What is it ? |
|---|---|
| Installment Loans | Regional Management Corp. offers installment loans that provide customers with a fixed rate and fixed monthly payments over a set period of time. |
| Lines of Credit | Regional Management Corp. offers lines of credit that provide customers with access to a revolving credit limit, allowing them to borrow and repay funds as needed. |
| Auto Loans | Regional Management Corp. offers auto loans that provide customers with financing for new or used vehicles. |
| Retail Loans | Regional Management Corp. offers retail loans that provide customers with financing for purchases from participating retailers. |
| Mortgage Loans | Regional Management Corp. offers mortgage loans that provide customers with financing for purchasing or refinancing a home. |
Regional Management Corp.'s Porter Forces
Threat Of Substitutes
Regional Management Corp. operates in a highly competitive industry, but the threat of substitutes is mitigated by the company's diversified product offerings and strong brand recognition.
Bargaining Power Of Customers
Regional Management Corp. faces significant bargaining power from its customers, who have numerous alternatives and can negotiate prices and terms.
Bargaining Power Of Suppliers
Regional Management Corp. has a diverse supplier base, which reduces the bargaining power of individual suppliers, and the company's scale and purchasing power also mitigate supplier bargaining power.
Threat Of New Entrants
While there are barriers to entry in the industry, Regional Management Corp. faces a moderate threat from new entrants, particularly from fintech companies and digital lenders.
Intensity Of Rivalry
Regional Management Corp. operates in a highly competitive industry, with numerous players competing for market share, which leads to a high intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 83.58% |
| Debt Cost | 6.14% |
| Equity Weight | 16.42% |
| Equity Cost | 11.12% |
| WACC | 6.96% |
| Leverage | 508.94% |
Regional Management Corp. : Quality Control
Regional Management Corp. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| ENVA | Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables … |
| NAVI | Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through … |
| MFIN | Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and … |
| RWAY | Runway Growth Finance Corp. is a business development company specializing investments in senior-secured loans to late stage and growth companies. It prefers to make investments in companies engaged in the … |
| AGM | Federal Agricultural Mortgage Corporation provides a secondary market for various loans made to borrowers in the United States. It operates through four segments: Farm & Ranch, USDA (United States Department … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Medallion Financial
A-Score
1-Year Total Return ->
🥈
Runway Growth Finance
A-Score
1-Year Total Return ->
🥉
Regional Management
A-Score
1-Year Total Return ->
4
Farmer Mac
A-Score
1-Year Total Return ->
5
Navient
A-Score
1-Year Total Return ->
6
