Regional Management Corp. (RM)
Regional Management Statistics
Share Statistics
Regional Management has 9.83M shares outstanding. The number of shares has increased by 4.15% in one year.
| Shares Outstanding | 9.83M |
| Shares Change (YoY) | 4.15% |
| Shares Change (QoQ) | 0.07% |
| Owned by Institutions (%) | 85.74% |
| Shares Floating | 8.89M |
| Failed to Deliver (FTD) Shares | 94 |
| FTD / Avg. Volume | 0.2% |
Short Selling Information
The latest short interest is 255.93K, so 2.52% of the outstanding shares have been sold short.
| Short Interest | 255.93K |
| Short % of Shares Out | 2.52% |
| Short % of Float | 2.75% |
| Short Ratio (days to cover) | 5.71 |
Valuation Ratios
The PE ratio is 8.05 and the forward PE ratio is 6.48. Regional Management's PEG ratio is 0.05.
| PE Ratio | 8.05 |
| Forward PE | 6.48 |
| 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 Corp. has an Enterprise Value (EV) of 1.54B.
| EV / Earnings | 37.81 |
| EV / Sales | 2.61 |
| EV / EBITDA | 10.79 |
| EV / EBIT | 5.2 |
| EV / FCF | 5.83 |
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 |
| Total Debt / Capitalization | 80.9 |
| Cash Flow / Debt | 0.18 |
| Interest Coverage | 3.97 |
Financial Efficiency
Return on equity (ROE) is 0.11% and return on capital (ROIC) is 11.91%.
| Return on Equity (ROE) | 0.11% |
| Return on Assets (ROA) | 0.02% |
| Return on Capital (ROIC) | 11.91% |
| Revenue Per Employee | $276,162.83 |
| Profits Per Employee | $19,096.67 |
| Employee Count | 2,131 |
| Asset Turnover | 0.31 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 13.38M |
| Effective Tax Rate | 0.25 |
Stock Price Statistics
The stock price has increased by 25.77% in the last 52 weeks. The beta is 1.53, so Regional Management's price volatility has been higher than the market average.
| Beta | 1.53 |
| 52-Week Price Change | 25.77% |
| 50-Day Moving Average | 33.6 |
| 200-Day Moving Average | 31.61 |
| Relative Strength Index (RSI) | 40.17 |
| Average Volume (20 Days) | 47.9K |
Income Statement
In the last 12 months, Regional Management had revenue of 588.5M and earned 40.7M in profits. Earnings per share was 4.22.
| Revenue | 588.5M |
| Gross Profit | 562.68M |
| Operating Income | 295.98M |
| Net Income | 40.7M |
| EBITDA | 142.68M |
| EBIT | 295.98M |
| Earnings Per Share (EPS) | 4.22 |
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 | 13.86% |
| FCF Yield | 88.14% |
Analyst Forecast
The average price target for RM is $31.5, which is 3.4% higher than the current price. The consensus rating is "Hold".
| Price Target | $31.5 |
| Price Target Difference | 3.4% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.85 |
| Piotroski F-Score | 6 |