Regional Management Corp
NYSE:RM
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%.
Valuation Backtest
Regional Management Corp
Run backtest to discover the historical profit from buying and selling RM stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Our AI Assistant is coming soon! Stay tuned and thank you for your interest!
Provide an overview
of Regional Management Corp's business.
What risks and challenges
does Regional Management Corp face in the near future?
Summarize the latest earnings report
of Regional Management Corp.
Provide P/E
for Regional Management Corp and its competitors.
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 |
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
What is Free Cash Flow?
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.
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.
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
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.
Ownership
RM Insider Trading
Buy and sell transactions by insiders
Period | Sold | Bought | Net |
---|---|---|---|
3 Months |
|
|
|
6 Months |
|
|
|
9 Months |
|
|
|
12 Months |
|
|
|
Shareholder Return
RM Price
Regional Management Corp
Average Annual Return | 18.92% |
Standard Deviation of Annual Returns | 64.18% |
Max Drawdown | -69% |
Market Capitalization | 236.3m USD |
Shares Outstanding | 9 758 550 |
Percentage of Shares Shorted | 4.25% |
Company Profile
Country
Industry
Market Cap
Dividend Yield
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
IPO
Employees
Officers
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%.