Regional Management Corp. (RM)
Regional Management Statistics
Share Statistics
Regional Management has 10.04M shares outstanding. The number of shares has increased by -0.65% in one year.
| Shares Outstanding | 10.04M |
| Shares Change (YoY) | -0.65% |
| Shares Change (QoQ) | -3.26% |
| Owned by Institutions (%) | 85.74% |
| Shares Floating | 8.97M |
| Failed to Deliver (FTD) Shares | 1 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 258.75K, so 2.63% of the outstanding shares have been sold short.
| Short Interest | 258.75K |
| Short % of Shares Out | 2.63% |
| Short % of Float | 4.44% |
| Short Ratio (days to cover) | 6.3 |
Valuation Ratios
The PE ratio is 8.05 and the forward PE ratio is 4.53. Regional Management's PEG ratio is 0.05.
| PE Ratio | 8.05 |
| Forward PE | 4.53 |
| PS Ratio | 0.56 |
| Forward PS | 0.5 |
| PB Ratio | 0.92 |
| P/FCF Ratio | 1.24 |
| PEG Ratio | 0.05 |
Enterprise Valuation
Regional Management has an Enterprise Value (EV) of 1.84B.
| EV / Sales | 3.12 |
| EV / EBITDA | 12.87 |
| EV / EBIT | 6.83 |
| EV / FCF | 6.96 |
Financial Position
The company has a current ratio of 0.01, with a Debt / Equity ratio of 4.24.
| Current Ratio | 0.01 |
| Quick Ratio | 0.01 |
| Debt / Equity | 4.24 |
| Debt / EBITDA | 10.6 |
| Debt / FCF | 5.73 |
| Interest Coverage | 3.97 |
Financial Efficiency
Return on Equity is 11.4% and Return on Invested Capital is 247.82%.
| Return on Equity | 11.4% |
| Return on Assets | 2.13% |
| Return on Invested Capital | 247.82% |
| Revenue Per Employee | $276.16K |
| Profits Per Employee | $19.1K |
| Employee Count | 2,131 |
| Asset Turnover | 0.31 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 13.38M |
| Effective Tax Rate | 24.74% |
Stock Price Statistics
The stock price has increased by 24.09% in the last 52 weeks. The beta is 1.26, so Regional Management's price volatility has been higher than the market average.
| Beta | 1.26 |
| 52-Week Price Change | 24.09% |
| 50-Day Moving Average | 31.89 |
| 200-Day Moving Average | 31.79 |
| Relative Strength Index (RSI) | 53.1 |
| Average Volume (20 Days) | 46.49K |
Income Statement
In the last 12 months, Regional Management had revenue of 588.5M and earned 40.7M in profits. Earnings per share was 4.28.
| Revenue | 588.5M |
| Gross Profit | 562.68M |
| Operating Income | 295.98M |
| Net Income | 40.7M |
| EBITDA | 142.68M |
| EBIT | 128.6M |
| Earnings Per Share (EPS) | 4.28 |
Balance Sheet
The company has 3.95M in cash and 1.51B in debt, giving a net cash position of -1.51B.
| Cash & Cash Equivalents | 3.95M |
| Total Debt | 1.51B |
| Net Cash | -1.51B |
| Retained Earnings | 378.48M |
| Total Assets | 1.91B |
| Working Capital | 3.95M |
Cash Flow
In the last 12 months, operating cash flow was 268.93M and capital expenditures -5.05M, giving a free cash flow of 263.87M.
| Operating Cash Flow | 268.93M |
| Capital Expenditures | -5.05M |
| Free Cash Flow | 263.87M |
| FCF Per Share | 27.37 |
Margins
Gross margin is 95.61%, with operating and profit margins of 50.29% and 6.92%.
| Gross Margin | 95.61% |
| Operating Margin | 50.29% |
| Pretax Margin | 9.19% |
| Profit Margin | 6.92% |
| EBITDA Margin | 24.24% |
| EBIT Margin | 50.29% |
| FCF Margin | 44.84% |
Dividends & Yields
RM pays an annual dividend of $1.5, which amounts to a dividend yield of 3.4%.
| Dividend Per Share | $1.50 |
| Dividend Yield | 3.4% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 36.23% |
| Earnings Yield | 12.42% |
| FCF Yield | 80.56% |
Analyst Forecast
The average price target for RM is $31.5, which is 0.7% higher than the current price. The consensus rating is "Hold".
| Price Target | $31.5 |
| Price Target Difference | 0.7% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.84 |
| Piotroski F-Score | 6 |