Regional Management Corp. Statistics
Share Statistics
Regional Management Corp. has 10.16M shares outstanding. The number of shares has increased by 3.26% in one year.
| Shares Outstanding | 10.16M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 2.62% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 9.26M |
| Failed to Deliver (FTD) Shares | 255 |
| FTD / Avg. Volume | 1.06% |
Short Selling Information
The latest short interest is 249.17K, so 2.45% of the outstanding shares have been sold short.
| Short Interest | 249.17K |
| Short % of Shares Out | 2.45% |
| Short % of Float | 2.69% |
| Short Ratio (days to cover) | 15.91 |
Valuation Ratios
The PE ratio is 14.77 and the forward PE ratio is 5.31. Regional Management Corp.'s PEG ratio is 0.06.
| PE Ratio | 14.77 |
| Forward PE | 5.31 |
| PS Ratio | 0.43 |
| Forward PS | 0.6 |
| PB Ratio | 0.73 |
| P/FCF Ratio | 0.99 |
| PEG Ratio | 0.06 |
Enterprise Valuation
Regional Management Corp. has an Enterprise Value (EV) of 1.54B.
| EV / Earnings | 96.43 |
| EV / Sales | 2.79 |
| EV / EBITDA | 14.96 |
| EV / EBIT | 21.65 |
| EV / FCF | 6.49 |
Financial Position
The company has a current ratio of 3.37, with a Debt / Equity ratio of 4.36.
| Current Ratio | 3.37 |
| Quick Ratio | 3.37 |
| Debt / Equity | 4.36 |
| Total Debt / Capitalization | 81.34 |
| Cash Flow / Debt | 0.18 |
| Interest Coverage | 1.05 |
Financial Efficiency
Return on equity (ROE) is 0.05% and return on capital (ROIC) is 3.11%.
| Return on Equity (ROE) | 0.05% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 3.11% |
| Revenue Per Employee | 264.97K |
| Profits Per Employee | 7.67K |
| Employee Count | 2.08K |
| Asset Turnover | 0.31 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 4.83M |
| Effective Tax Rate | 0.23 |
Stock Price Statistics
The stock price has increased by 35.51% in the last 52 weeks. The beta is 1.53, so Regional Management Corp.'s price volatility has been higher than the market average.
| Beta | 1.53 |
| 52-Week Price Change | 35.51% |
| 50-Day Moving Average | 30.79 |
| 200-Day Moving Average | 28.94 |
| Relative Strength Index (RSI) | 63.93 |
| Average Volume (20 Days) | 24.06K |
Income Statement
In the last 12 months, Regional Management Corp. had revenue of $551.40M and earned $15.96M in profits. Earnings per share was $1.7.
| Revenue | 551.40M |
| Gross Profit | 331.37M |
| Operating Income | 71.07M |
| Net Income | 15.96M |
| EBITDA | 102.88M |
| EBIT | 71.07M |
| Earnings Per Share (EPS) | 1.7 |
Balance Sheet
The company has $4.51M in cash and $1.43B in debt, giving a net cash position of -$1.43B.
| Cash & Cash Equivalents | 4.51M |
| Total Debt | 1.43B |
| Net Cash | -1.43B |
| Retained Earnings | 349.58M |
| Total Assets | 1.82B |
| Working Capital | -244.42M |
Cash Flow
In the last 12 months, operating cash flow was $249.17M and capital expenditures -$12.07M, giving a free cash flow of $237.10M.
| Operating Cash Flow | 249.17M |
| Capital Expenditures | -12.07M |
| Free Cash Flow | 237.10M |
| FCF Per Share | 25.23 |
Margins
Gross margin is 60.1%, with operating and profit margins of 12.89% and 2.89%.
| Gross Margin | 60.1% |
| Operating Margin | 12.89% |
| Pretax Margin | 3.77% |
| Profit Margin | 2.89% |
| EBITDA Margin | 18.66% |
| EBIT Margin | 12.89% |
| FCF Margin | 43% |
Dividends & Yields
RM pays an annual dividend of $1.2, which amounts to a dividend yield of 3.56%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 3.56% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 50.63% |
| Earnings Yield | 5% |
| FCF Yield | 68.61% |
Analyst Forecast
The average price target for RM is $31.5, which is -7.4% lower than the current price. The consensus rating is "Hold".
| Price Target | $31.5 |
| Price Target Difference | -7.4% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.74 |
| Piotroski F-Score | 6 |