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Regional Management Corp
NYSE:RM

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Regional Management Corp Logo
Regional Management Corp
NYSE:RM
Watchlist
Price: 24.21 USD 0.04% Market Closed
Updated: Mar 29, 2024

Intrinsic Value

Regional Management Corp. engages in the provision of consumer financial services. [ Read More ]

The intrinsic value of one RM stock under the Base Case scenario is 118.14 USD. Compared to the current market price of 24.21 USD, Regional Management Corp is Undervalued by 80%.

Key Points:
RM Intrinsic Value
Base Case
118.14 USD
Undervaluation 80%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Regional Management Corp

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Fundamental Analysis

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Financials

Balance Sheet Decomposition
Regional Management Corp

Current Assets 4.5m
Cash & Short-Term Investments 4.5m
Non-Current Assets 1.8B
Long-Term Investments 22.7m
PP&E 48.1m
Intangibles 15.8m
Other Non-Current Assets 1.7B
Current Liabilities 77m
Accounts Payable 40.4m
Accrued Liabilities 36.6m
Non-Current Liabilities 1.4B
Long-Term Debt 1.4B
Efficiency

Earnings Waterfall
Regional Management Corp

Revenue
551.4m USD
Operating Expenses
-463.2m USD
Operating Income
88.2m USD
Other Expenses
-72.3m USD
Net Income
16m USD

Free Cash Flow Analysis
Regional Management Corp

Last Value
3-Years Average
FCF Margin
Conversion Rate
History
Components
Chart
Table
What is Free Cash Flow?
Fundamental Scores

RM Profitability Score
Profitability Due Diligence

Regional Management Corp's profitability score is 56/100. The higher the profitability score, the more profitable the company is.

Positive Free Cash Flow
Positive 3-Year Average ROE
Positive Operating Income
Positive 3-Years Revenue Growth
56/100
Profitability
Score

Regional Management Corp's profitability score is 56/100. The higher the profitability score, the more profitable the company is.

RM Solvency Score
Solvency Due Diligence

Regional Management Corp's solvency score is 12/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
Low Altman Z-Score
Short-Term Solvency
Positive Net Debt
12/100
Solvency
Score

Regional Management Corp's solvency score is 12/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

RM Price Targets Summary
Regional Management Corp

Wall Street analysts forecast RM stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for RM is 29.24 USD with a low forecast of 26.26 USD and a high forecast of 34.65 USD.

Lowest
Price Target
26.26 USD
8% Upside
Average
Price Target
29.24 USD
21% Upside
Highest
Price Target
34.65 USD
43% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Ownership

RM Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Shareholder Return

RM Price
Regional Management Corp

1M 1M
+3%
6M 6M
-13%
1Y 1Y
-6%
3Y 3Y
-25%
5Y 5Y
+7%
10Y 10Y
+6%
Annual Price Range
24.21
52w Low
20.82
52w High
34.45
Price Metrics
Average Annual Return 18.92%
Standard Deviation of Annual Returns 64.18%
Max Drawdown -69%
Shares Statistics
Market Capitalization 236.3m USD
Shares Outstanding 9 758 550
Percentage of Shares Shorted 4.25%

RM Return Decomposition
Main factors of price return

What is price return decomposition?

Company Profile

Regional Management Corp Logo
Regional Management Corp

Country

United States of America

Industry

Financial Services

Market Cap

236.3m USD

Dividend Yield

4.96%

Description

Regional Management Corp. engages in the provision of consumer financial services. The company is headquartered in Greer, South Carolina and currently employs 1,691 full-time employees. The company went IPO on 2012-03-28. The firm provides instalment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. Its products include small, large, and retail instalment loans. The company offers small instalment loans with cash proceeds to customers ranging from $500 to $2,500, with terms of up to 48 months. The company offers large instalment loans with cash proceeds to customers ranging from $2,501 to $25,000, with terms between 18 and 60 months. The company offers indirect retail instalment loans of up to $7,500, with terms between six and 48 months, which are secured by the purchased items. The company offers its customers optional payment and collateral protection insurance relating to various of its loan products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance. The company operates under the name Regional Finance.

Contact

SOUTH CAROLINA
Greer
979 Batesville Rd Ste B
+18644487000.0
http://www.regionalmanagement.com/

IPO

2012-03-28

Employees

1 691

Officers

Executive VP and Chief Strategy & Development Officer
Mr. Brian J. Fisher
Executive VP & Chief Credit Risk Officer
Mr. Manish Parmar
Senior VP, General Counsel & Secretary
Ms. Catherine R Atwood
Chief Data & Analytics Officer
Mr. Chris Peterson

See Also

Discover More
What is the Intrinsic Value of one RM stock?

The intrinsic value of one RM stock under the Base Case scenario is 118.14 USD.

Is RM stock undervalued or overvalued?

Compared to the current market price of 24.21 USD, Regional Management Corp is Undervalued by 80%.