Regional Management Corp. (RM) 10-Year Financial Performance & Capital Metrics

RM • • Banking & Credit

Financial ServicesCredit ServicesConsumer Lending & Credit CardsPersonal Installment Lenders

AboutRegional 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.Show more

Net Interest Income $454M +7.6%
Total Revenue $589M +6.7%
Net Income $41M +158.3%
Return on Equity 12.14% +139.9%
Net Interest Margin 23.8% +1.2%
Efficiency Ratio 42.09% -4.5%
ROA 2.23% +145.5%
Equity / Assets 18.7% +4.1%
Book Value per Share 35.39 +5.3%
Tangible BV/Share 32.96 +3.2%
Debt/Equity 4.24 -4.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Strong NIM of 23.8%
✓Efficient operations: 42.1% efficiency ratio
✓Well capitalized: 18.7% equity/assets
✓Healthy dividend yield of 3.1%
✓Trading at only 1.1x book value

✗Weaknesses

✗High debt to equity ratio of 4.2x

Price & Volume

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Growth Metrics

Revenue CAGR

10Y11.14%

5Y10.59%

3Y11.17%

TTM-

Profit (Net Income) CAGR

10Y10.79%

5Y-1.62%

3Y-22.53%

TTM74.47%

EPS CAGR

10Y13.77%

5Y1.73%

3Y-20.79%

TTM75%

ROCE

10Y Avg8.81%

5Y Avg5.08%

3Y Avg3.16%

Latest3.44%

Peer Comparison

Personal Installment Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ENVAEnova International, Inc.	3.9B	157.66	21.22	25.51%	7.88%	22.83%	38.36%	3.00
FOAFinance Of America Companies Inc.	192.23M	24.36	20.64	24.25%	0.79%	1.65%		90.98
OMFOneMain Holdings, Inc.	7.81B	66.37	15.65	7.98%	8.9%	20.87%	34.54%	6.72
ATLCAtlanticus Holdings Corporation	905.01M	59.77	12.53	13.46%	8.49%	20.24%	51.67%	5.12
RMRegional Management Corp.	372.97M	38.40	9.28	6.73%	7.01%	11.14%	70.75%	4.24
WRLDWorld Acceptance Corporation	719.24M	142.76	8.76	-1.46%	15.89%	15.61%	34.83%	1.20
MFINMedallion Financial Corp.	235.59M	10.12	6.66	14.65%	12.3%	8.96%	49.03%	0.66
OPRTOportun Financial Corporation	223.29M	5.06	-2.59	15.93%	-14.75%	7.97%	100%	7.98

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	179.57M	201.04M	225.13M	246.66M	281.04M	297.36M	351.19M	416.63M	422.24M	454.36M
NII Growth %	0.06%	0.12%	0.12%	0.1%	0.14%	0.06%	0.18%	0.19%	0.01%	0.08%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	195.79M	220.96M	249.03M	280.12M	321.17M	335.21M	382.54M	450.85M	489.7M	528.89M
Interest Expense	16.22M	19.92M	23.91M	33.46M	40.13M	37.85M	31.35M	34.22M	67.46M	74.53M
Loan Loss Provision	47.35M	63.01M	77.34M	87.06M	99.61M	123.81M	89.02M	185.12M	220.03M	212.2M
Non-Interest Income+	21.51M	19.55M	23.43M	26.59M	34.54M	38.69M	45.81M	56.33M	61.7M	59.61M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	217.31M	240.52M	272.46M	306.71M	355.71M	373.91M	428.35M	507.19M	551.4M	588.5M
Revenue Growth %	0.06%	0.11%	0.13%	0.13%	0.16%	0.05%	0.15%	0.18%	0.09%	0.07%
Non-Interest Expense	115.6M	118.63M	130.96M	140.28M	156.98M	176.32M	195.51M	222.53M	243.12M	247.7M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	38.14M	38.95M	40.26M	45.9M	58.99M	35.93M	112.47M	65.32M	20.78M	54.08M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.59%	0.02%	0.03%	0.14%	0.29%	-0.39%	2.13%	-0.42%	-0.68%	1.6%
Pretax Income+	38.14M	38.95M	40.26M	45.9M	58.99M	35.93M	112.47M	65.32M	20.78M	54.08M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	14.77M	14.92M	10.29M	10.56M	14.26M	9.2M	23.79M	14.1M	4.83M	12.85M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	23.36M	24.03M	29.96M	35.34M	44.73M	26.73M	88.69M	51.22M	15.96M	41.23M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.58%	0.03%	0.25%	0.18%	0.27%	-0.4%	2.32%	-0.42%	-0.69%	1.58%
Net Income (Continuing)	23.36M	24.03M	29.96M	35.34M	44.73M	26.73M	88.69M	51.22M	15.96M	41.23M
EPS (Diluted)+	1.79	1.99	2.54	2.93	3.80	2.40	8.33	5.30	1.66	4.14
EPS Growth %	0.57%	0.11%	0.28%	0.15%	0.3%	-0.37%	2.47%	-0.36%	-0.69%	1.49%
EPS (Basic)	1.82	2.03	2.59	3.03	3.92	2.45	8.84	5.51	1.70	4.28
Diluted Shares Outstanding	13.07M	12.09M	11.78M	12.08M	11.77M	11.14M	10.64M	9.66M	9.59M	10.09M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.65M	4.45M	5.23M	3.66M	2.26M	8.05M	10.51M	3.87M	4.51M	3.95M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	590.99M	-717M	-819.84M	873.94M	1.07B	986.52M	1.27B	1.52B	1.58B	1.69B
Investments Growth %	0.17%	-2.21%	-0.14%	2.07%	0.23%	-0.08%	0.29%	0.19%	0.04%	0.07%
Long-Term Investments	590.99M	-717M	-819.84M	873.94M	1.07B	986.52M	1.27B	1.52B	1.58B	1.69B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	716K	716K	716K	716K	716K	716K	716K	0	0	0
Intangible Assets	2.31M	5.73M	9.89M	9.29M	8.72M	7.97M	8.8M	12.12M	15.85M	24.52M
PP&E (Net)	9.05M	11.69M	12.29M	13.93M	41.74M	41.12M	41.66M	49.05M	48.09M	52.12M
Other Assets	11.71M	-18.14M	-22.9M	48.4M	28.17M	33.23M	94.61M	102.71M	105.84M	113.21M
Total Current Assets	9.62M	5.17M	16.71M	10.12M	7.37M	20.17M	21.91M	26.7M	27.1M	16.94M
Total Non-Current Assets	616.76M	18.14M	22.9M	946.28M	1.15B	1.08B	1.44B	1.7B	1.77B	1.89B
Total Assets+	626.37M	712.22M	829.48M	956.39M	1.16B	1.1B	1.46B	1.72B	1.79B	1.91B
Asset Growth %	0.18%	0.14%	0.16%	0.15%	0.21%	-0.05%	0.32%	0.18%	0.04%	0.06%
Return on Assets (ROA)	0.04%	0.04%	0.04%	0.04%	0.04%	0.02%	0.07%	0.03%	0.01%	0.02%
Accounts Payable	0	15.22M	18.57M	0	0	0	0	0	0	0
Total Debt+	408.49M	489.53M	566.55M	651.35M	827.08M	791.45M	1.13B	1.38B	1.43B	1.51B
Net Debt	400.83M	485.08M	561.32M	647.69M	824.82M	783.4M	1.12B	1.38B	1.43B	1.51B
Long-Term Debt	71.23M	489.53M	566.55M	296.65M	405.54M	437.25M	856.67M	1.18B	1.15B	1.16B
Short-Term Debt	337.26M	0	0	354.7M	393.07M	325M	240.27M	164.72M	244.94M	315.47M
Other Liabilities	12.66M	-489.53M	-571.51M	25.14M	28.68M	40.28M	49.28M	33.8M	40.44M	39.45M
Total Current Liabilities	337.26M	451.63M	513.71M	354.7M	393.07M	325M	240.27M	164.72M	244.94M	315.47M
Total Non-Current Liabilities	83.89M	489.53M	571.51M	322.54M	462.69M	506.73M	936.65M	1.25B	1.23B	1.24B
Total Liabilities	421.15M	504.75M	590.07M	677.23M	855.76M	831.73M	1.18B	1.42B	1.47B	1.55B
Total Equity+	205.23M	684.26M	783.94M	279.16M	302.78M	272.12M	282.74M	308.63M	322.27M	357.08M
Equity Growth %	0.15%	2.33%	0.15%	-0.64%	0.08%	-0.1%	0.04%	0.09%	0.04%	0.11%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.12%	0.05%	0.04%	0.07%	0.15%	0.09%	0.32%	0.17%	0.05%	0.12%
Book Value per Share	15.70	56.62	66.53	23.11	25.72	24.42	26.57	31.96	33.59	35.39
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.29M	1.3M	1.32M	1.33M	1.35M	1.39M	1.42M	1.43M	1.46M	1.49M
Additional Paid-in Capital	89.18M	92.43M	94.38M	98.78M	102.68M	105.48M	104.75M	112.38M	121.75M	130.72M
Retained Earnings	114.76M	138.79M	168.75M	204.1M	248.83M	227.34M	306.11M	345.55M	349.58M	378.48M
Accumulated OCI	0	207.47M	239.41M	0	0	0	0	-586K	-372K	62K
Treasury Stock	0	-25.05M	-25.05M	-25.05M	-50.07M	-62.09M	-129.53M	-150.14M	-150.14M	-153.68M
Preferred Stock	0	138.79M	168.75M	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	83.39M	100.24M	115.43M	146.28M	165.06M	172.58M	189.01M	224.33M	249.17M	268.93M
Operating CF Growth %	-0.03%	0.2%	0.15%	0.27%	0.13%	0.05%	0.1%	0.19%	0.11%	0.08%
Net Income	23.36M	24.03M	29.96M	35.34M	44.73M	26.73M	88.69M	51.22M	15.96M	41.23M
Depreciation & Amortization	3.92M	6.44M	7.36M	8.8M	10.86M	13.31M	11.65M	12.69M	14.63M	14.07M
Deferred Taxes	-122K	1.9M	4.99M	-4.21M	-1.37M	676K	-4.3M	4.77M	112K	4.24M
Other Non-Cash Items	48.12M	63.19M	77.65M	87.41M	99.95M	124.25M	70.68M	169.41M	206.26M	197.01M
Working Capital Changes	4.47M	516K	-8.19M	13.68M	5.74M	2.02M	14.9M	-24.53M	450K	1.21M
Cash from Investing+	-146.55M	-159.56M	-179.93M	-199.24M	-275.63M	-98.81M	-355.06M	-447.29M	-278.72M	-315.37M
Purchase of Investments	0	0	0	0	0	0	0	-23.97M	-5.9M	-25.41M
Sale/Maturity of Investments	0	0	0	0	0	0	0	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	59K	2K	0	0	0	0
Other Investing	-143.18M	-153.13M	-175.16M	-193.89M	-268.28M	-93.01M	-348.2M	-415.04M	-264.81M	-311.85M
Cash from Financing+	66.8M	53.91M	73.77M	81.08M	116.85M	-58.32M	243.36M	205.57M	26.43M	53.41M
Dividends Paid	0	0	0	0	0	-2.22M	-9.54M	-11.35M	-11.89M	-12.14M
Share Repurchases	0	-25.05M	0	0	-25.03M	-12.01M	-67.44M	-20.61M	-2.92M	-3.54M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K
Other Financing	-2.96M	-1.55M	-6.05M	-7.93M	-5.84M	-5.28M	-18.78M	-8.65M	-2.48M	-9.15M
Net Change in Cash+	3.64M	-5.42M	9.27M	28.12M	6.29M	15.45M	77.31M	-17.39M	-3.13M	6.96M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	4.01M	18.16M	12.74M	22.02M	50.14M	56.43M	71.88M	149.19M	131.8M	128.67M
Cash at End	7.65M	12.74M	22.02M	50.14M	56.43M	71.88M	149.19M	131.8M	128.67M	135.63M
Interest Paid	15.38M	17.59M	20.46M	30.13M	35.48M	31.99M	29.43M	40.48M	60.08M	69.17M
Income Taxes Paid	12.45M	12.59M	15.68M	3.6M	14.7M	7.13M	23.08M	26.96M	3.05M	2.73M
Free Cash Flow+	78.08M	88.5M	104.31M	139.49M	157.66M	166.78M	182.15M	212.92M	237.1M	263.87M
FCF Growth %	-0.04%	0.13%	0.18%	0.34%	0.13%	0.06%	0.09%	0.17%	0.11%	0.11%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	12.18%	5.4%	4.08%	6.65%	15.37%	9.3%	31.97%	17.32%	5.06%	12.14%
Return on Assets (ROA)	4.04%	3.59%	3.89%	3.96%	4.23%	2.36%	6.92%	3.22%	0.91%	2.23%
Net Interest Margin	28.67%	28.23%	27.14%	25.79%	24.26%	26.94%	24.06%	24.15%	23.53%	23.8%
Efficiency Ratio	53.2%	49.32%	48.06%	45.74%	44.13%	47.16%	45.64%	43.87%	44.09%	42.09%
Equity / Assets	32.76%	96.07%	94.51%	29.19%	26.13%	24.65%	19.37%	17.89%	17.96%	18.7%
Book Value / Share	15.7	56.62	66.53	23.11	25.72	24.42	26.57	31.96	33.59	35.39
NII Growth	5.72%	11.95%	11.98%	9.56%	13.94%	5.81%	18.1%	18.63%	1.35%	7.61%
Dividend Payout	-	-	-	-	-	8.29%	10.75%	22.16%	74.48%	29.45%

Frequently Asked Questions

Valuation & Price

Regional Management Corp. (RM) has a price-to-earnings (P/E) ratio of 9.3x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Regional Management Corp. (RM) grew revenue by 6.7% over the past year. This is steady growth.

Yes, Regional Management Corp. (RM) is profitable, generating $41.4M in net income for fiscal year 2024 (7.0% net margin).

Dividend & Returns

Yes, Regional Management Corp. (RM) pays a dividend with a yield of 3.13%. This makes it attractive for income-focused investors.

Regional Management Corp. (RM) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics

Regional Management Corp. (RM) has a net interest margin (NIM) of 23.8%. This indicates healthy earnings from lending activities.

Regional Management Corp. (RM) has an efficiency ratio of 42.1%. This is excellent, indicating strong cost control.

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