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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.01
RM's Cash to Debt is ranked lower than
55% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. RM: 0.01 )
RM' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.01

Equity to Asset 0.34
RM's Equity to Asset is ranked higher than
79% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 0.22 vs. RM: 0.34 )
RM' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.34
Current: 0.34

0.13
0.34
Interest Coverage 3.27
RM's Interest Coverage is ranked higher than
70% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 3.43 vs. RM: 3.27 )
RM' s 10-Year Interest Coverage Range
Min: 0.77   Max: 3.39
Current: 3.27

0.77
3.39
F-Score: 4
Z-Score: 1.14
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 29.56
RM's Operating margin (%) is ranked higher than
75% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. RM: 29.56 )
RM' s 10-Year Operating margin (%) Range
Min: 22.37   Max: 31.68
Current: 29.56

22.37
31.68
Net-margin (%) 18.40
RM's Net-margin (%) is ranked higher than
72% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. RM: 18.40 )
RM' s 10-Year Net-margin (%) Range
Min: 15.39   Max: 26.38
Current: 18.4

15.39
26.38
ROE (%) 17.87
RM's ROE (%) is ranked higher than
79% of the 140 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. RM: 17.87 )
RM' s 10-Year ROE (%) Range
Min: 17.87   Max: 52.3
Current: 17.87

17.87
52.3
ROA (%) 5.39
RM's ROA (%) is ranked higher than
87% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. RM: 5.39 )
RM' s 10-Year ROA (%) Range
Min: 5.39   Max: 6.98
Current: 5.39

5.39
6.98
ROC (Joel Greenblatt) (%) 651.46
RM's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 31.17 vs. RM: 651.46 )
RM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 473.91   Max: 769.18
Current: 651.46

473.91
769.18
» RM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

RM Guru Trades in Q3 2013

RS Investment Management 190,200 sh (New)
Jim Simons 42,500 sh (+96.76%)
Chuck Royce 69,600 sh (unchged)
» More
Q4 2013

RM Guru Trades in Q4 2013

Jim Simons 102,000 sh (+140%)
RS Investment Management 406,300 sh (+113.62%)
Chuck Royce 51,400 sh (-26.15%)
» More
Q1 2014

RM Guru Trades in Q1 2014

Jim Simons 233,153 sh (+128.58%)
Chuck Royce 51,400 sh (unchged)
RS Investment Management Sold Out
» More
Q2 2014

RM Guru Trades in Q2 2014

Chuck Royce 55,600 sh (+8.17%)
Jim Simons 140,100 sh (-39.91%)
» More
» Details

Insider Trades

Latest Guru Trades with RM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 8.70
RM's P/E(ttm) is ranked higher than
93% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 13.70 vs. RM: 8.70 )
RM' s 10-Year P/E(ttm) Range
Min: 6.09   Max: 16.16
Current: 8.7

6.09
16.16
P/B 1.26
RM's P/B is ranked higher than
69% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.63 vs. RM: 1.26 )
RM' s 10-Year P/B Range
Min: 1.06   Max: 3.57
Current: 1.26

1.06
3.57
P/S 1.26
RM's P/S is ranked higher than
80% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. RM: 1.26 )
RM' s 10-Year P/S Range
Min: 1.07   Max: 2.98
Current: 1.26

1.07
2.98
PFCF 2.85
RM's PFCF is ranked higher than
90% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 58.00 vs. RM: 2.85 )
RM' s 10-Year PFCF Range
Min: 2.38   Max: 7.16
Current: 2.85

2.38
7.16
EV-to-EBIT 12.77
RM's EV-to-EBIT is ranked higher than
84% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 17.38 vs. RM: 12.77 )
RM' s 10-Year EV-to-EBIT Range
Min: 11.1   Max: 18.2
Current: 12.77

11.1
18.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
RM's Price/Tangible Book is ranked higher than
80% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.08 vs. RM: 1.27 )
RM' s 10-Year Price/Tangible Book Range
Min: 1.13   Max: 3.57
Current: 1.27

1.13
3.57
Price/Median PS Value 0.68
RM's Price/Median PS Value is ranked higher than
95% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.35 vs. RM: 0.68 )
RM' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.5
Current: 0.68

0.6
1.5
Price/Graham Number 0.70
RM's Price/Graham Number is ranked higher than
93% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. RM: 0.70 )
RM' s 10-Year Price/Graham Number Range
Min: 0.62   Max: 1.34
Current: 0.7

0.62
1.34
Earnings Yield (Greenblatt) 7.80
RM's Earnings Yield (Greenblatt) is ranked higher than
79% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 6.20 vs. RM: 7.80 )
RM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.5   Max: 9
Current: 7.8

5.5
9

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Regional Management Corp., was incorporated in South Carolina on March 25, 1987. It is a diversified specialty consumer finance company providing loan products mainly to customers with limited access to consumer credit from banks, thrifts, credit card companies and other traditional lenders. Each of its loan products is secured, structured on a fixed rate, fixed term basis with fully amortizing equal monthly installment payments and is repayable at any time without penalty. The Company's loans are sourced through its multiple channel platforms, including in its branches, through direct mail campaigns, independent and franchise automobile dealerships, online credit application networks, furniture and appliance retailers and its consumer website. The Company's diversified product offerings include: Small Installment Loans; Large Installment Loans; Automobile Purchase Loans; Furniture and Appliance Purchase Loans; and Insurance Products. The Company's main sources of revenue are interest and fee income from its loan products, of which interest and fees relating to installment loans and automobile purchase loans have historically been the largest component. It offers a number of different loan products, including small installment loans, large installment loans, automobile purchase loans and furniture and appliance purchase loans. The Company's interest and fee income consists primarily of interest earned on outstanding loans. Its insurance income consists of revenue from the sale of various insurance products and other payment protection options offered to customers. The Company's other income consists primarily of late charges assessed on customers who fail to make a payment within a specified number of days following the due date of the payment (except in North Carolina, which does not permit late charges on consumer loans).
» More Articles for RM

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