Regional Management Corp. (RM)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 374 | 428 | 507 | 551 | 589 | 646 | 670 | 690 |
| Operating profit | $m | 80 | 129 | ||||||
| Net profit | $m | 27 | 89 | 51 | 16 | 41 | 44 | 47 | 49 |
| EPS reported | $ | 4.45 | 4.75 | ||||||
| Operating cashflow per share | $ | 31.12 | 36.55 | ||||||
| Capex per share | $ | 1.72 | 1.23 | ||||||
| FCF per share | $ | 29.41 | 35.32 | ||||||
| Free cash flow | $m | 292 | 317 | ||||||
| Net debt | $m | 1,590 | 1,664 | ||||||
| Book value equity | $m | 373 | 378 | ||||||
| Book value per share | $ | 37.57 | 39.39 | ||||||
| Number of shares | m | 9.93 | 9.6 | ||||||
| DPS (TTM paid) | $ | 1.20 | 1.20 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.71 | 6.41 | ||||||
| P/B LTM | x | 1.03 | 1.02 | ||||||
| P/S LTM | x | 0.60 | 0.57 | ||||||
| P/FCF LTM | x | 1.32 | 1.21 | ||||||
| EV/EBITDA LTM | x | 21.95 | 13.72 | ||||||
| EV/Sales LTM | x | 3.13 | 3.01 | ||||||
| Earnings Yield LTM | % | +11.48% | +15.60% | ||||||
| FCF Yield | % | +75.88% | +82.50% | ||||||
| Quality | |||||||||
| ROE | % | +11.90% | +12.49% | ||||||
| ROIC | % | +2.83% | +4.76% | ||||||
| Operating margin | % | +12.45% | +19.24% | ||||||
| Gross margin | % | +52.35% | +75.65% | ||||||
| FCF/Sales | % | +45.23% | +47.35% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +7.49% | +14.73% | ||||||
| Sales Growth YoY | % | +9.70% | +13.93% | ||||||
| Net Income Growth YoY | % | +7.73% | +13.56% | ||||||
| FCF Growth | % | +10.66% | +20.30% | ||||||
| Operating Profit Growth | % | +48.60% | +138.61% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.98% | +3.58% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +25.99% | +24.90% | ||||||
| FCF/Debt | x | 0.17 | 0.18 | ||||||
| Net Debt/EBITDA | x | 17.77 | 11.61 | ||||||
| EBIT/Net interest | x | 0.95 | 1.43 | ||||||
| Net debt/market cap | % | +4.39% | +5.41% | ||||||
| Net debt/Equity | x | 4.26 | 4.40 | ||||||
| Gross debt/equity | x | 4.65 | 4.54 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Regional Management Corp. (RMC) functions as a broad-based financial services provider, concentrating on offering consumer installment loans. Its primary focus is on serving individuals across the United States who face challenges in securing credit through conventional channels such as banks, savings institutions, and credit card companies. RMC's product portfolio includes a range of personal installment loans, varying in size, along with retail financing options designed to help customers acquire items like furniture and appliances. In addition to its lending activities, the company furnishes a variety of insurance products, which include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment coverage, as well as collateral protection and reinsurance services. The company leverages multiple avenues to originate its loans, including its network of physical branches, centrally managed direct marketing campaigns, collaborations with digital partners, retail alliances, and its dedicated consumer-facing website. As of February 24, 2022, RMC operated a substantial branch network comprising approximately 350 locations situated across 14 states. Founded in 1987, Regional Management Corp. maintains its corporate headquarters in Greer, South Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Regional Management Corp. (RM)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Regional Management Corp. (RMC) functions as a broad-based financial services provider, concentrating on offering consumer installment loans. Its primary focus is on serving individuals across the United States who face challenges in securing credit through conventional channels such as banks, savings institutions, and credit card companies. RMC's product portfolio includes a range of personal installment loans, varying in size, along with retail financing options designed to help customers acquire items like furniture and appliances. In addition to its lending activities, the company furnishes a variety of insurance products, which include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment coverage, as well as collateral protection and reinsurance services. The company leverages multiple avenues to originate its loans, including its network of physical branches, centrally managed direct marketing campaigns, collaborations with digital partners, retail alliances, and its dedicated consumer-facing website. As of February 24, 2022, RMC operated a substantial branch network comprising approximately 350 locations situated across 14 states. Founded in 1987, Regional Management Corp. maintains its corporate headquarters in Greer, South Carolina.
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