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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.01
RM's Cash to Debt is ranked higher than
50% of the 187 Companies
in the Global Credit Services industry.

( Industry Median: 0.20 vs. RM: 0.01 )
RM' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.01

Equity to Asset 0.34
RM's Equity to Asset is ranked higher than
80% of the 187 Companies
in the Global Credit Services industry.

( Industry Median: 0.27 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 1.60
RM's Interest Coverage is ranked higher than
63% of the 146 Companies
in the Global Credit Services industry.

( Industry Median: 5.27 vs. RM: 1.60 )
RM' s 10-Year Interest Coverage Range
Min: 0.77   Max: 3.27
Current: 1.6

0.77
3.27
F-Score: 5
Z-Score: 1.16
WACC vs ROIC
6.05%
2.95%
WACC
ROIC
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 : 8/10

vs
industry
vs
history
Operating margin (%) 12.61
RM's Operating margin (%) is ranked higher than
66% of the 192 Companies
in the Global Credit Services industry.

( Industry Median: 20.88 vs. RM: 12.61 )
RM' s 10-Year Operating margin (%) Range
Min: 12.61   Max: 29.56
Current: 12.61

12.61
29.56
Net-margin (%) 7.80
RM's Net-margin (%) is ranked higher than
65% of the 192 Companies
in the Global Credit Services industry.

( Industry Median: 16.19 vs. RM: 7.80 )
RM' s 10-Year Net-margin (%) Range
Min: 7.8   Max: 26.38
Current: 7.8

7.8
26.38
ROE (%) 8.68
RM's ROE (%) is ranked higher than
70% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. RM: 8.68 )
RM' s 10-Year ROE (%) Range
Min: 8.72   Max: 104.59
Current: 8.68

8.72
104.59
ROA (%) 2.87
RM's ROA (%) is ranked higher than
75% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. RM: 2.87 )
RM' s 10-Year ROA (%) Range
Min: 2.78   Max: 13.63
Current: 2.87

2.78
13.63
ROC (Joel Greenblatt) (%) 300.31
RM's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 187 Companies
in the Global Credit Services industry.

( Industry Median: 20.98 vs. RM: 300.31 )
RM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 299.14   Max: 1014.01
Current: 300.31

299.14
1014.01
Revenue Growth (3Y)(%) 20.50
RM's Revenue Growth (3Y)(%) is ranked higher than
92% of the 155 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. RM: 20.50 )
RM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 12.1   Max: 20.7
Current: 20.5

12.1
20.7
EBITDA Growth (3Y)(%) -2.80
RM's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. RM: -2.80 )
RM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -2.8   Max: 30.2
Current: -2.8

-2.8
30.2
EPS Growth (3Y)(%) -19.80
RM's EPS Growth (3Y)(%) is ranked higher than
61% of the 120 Companies
in the Global Credit Services industry.

( Industry Median: 11.00 vs. RM: -19.80 )
RM' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.8   Max: 26.2
Current: -19.8

-19.8
26.2
» RM's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2014

RM Guru Trades in Q3 2014

Ron Baron 37,400 sh (New)
Chuck Royce 54,800 sh (-1.44%)
Jim Simons 17,500 sh (-87.51%)
» More
Q4 2014

RM Guru Trades in Q4 2014

Chuck Royce 54,800 sh (unchged)
Ron Baron Sold Out
Jim Simons Sold Out
» 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 Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.90
RM's P/E(ttm) is ranked higher than
82% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 16.30 vs. RM: 12.90 )
RM' s 10-Year P/E(ttm) Range
Min: 6.09   Max: 16.37
Current: 12.9

6.09
16.37
PE(NRI) 12.90
RM's PE(NRI) is ranked higher than
80% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 16.40 vs. RM: 12.90 )
RM' s 10-Year PE(NRI) Range
Min: 6.08   Max: 16.38
Current: 12.9

6.08
16.38
P/B 1.10
RM's P/B is ranked higher than
82% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 2.02 vs. RM: 1.10 )
RM' s 10-Year P/B Range
Min: 0.85   Max: 3.57
Current: 1.1

0.85
3.57
P/S 1.00
RM's P/S is ranked higher than
88% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. RM: 1.00 )
RM' s 10-Year P/S Range
Min: 0.82   Max: 3.22
Current: 1

0.82
3.22
PFCF 2.40
RM's PFCF is ranked higher than
95% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. RM: 2.40 )
RM' s 10-Year PFCF Range
Min: 1.8   Max: 7.04
Current: 2.4

1.8
7.04
POCF 2.22
RM's POCF is ranked higher than
95% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 29.88 vs. RM: 2.22 )
RM' s 10-Year POCF Range
Min: 1.71   Max: 6.64
Current: 2.22

1.71
6.64
EV-to-EBIT 21.98
RM's EV-to-EBIT is ranked higher than
75% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 22.38 vs. RM: 21.98 )
RM' s 10-Year EV-to-EBIT Range
Min: 11   Max: 24.1
Current: 21.98

11
24.1
PEG 1.09
RM's PEG is ranked higher than
92% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. RM: 1.09 )
RM' s 10-Year PEG Range
Min: 0   Max: 9999
Current: 1.09

0
9999

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
RM's Price/Tangible Book is ranked higher than
85% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 2.53 vs. RM: 1.10 )
RM' s 10-Year Price/Tangible Book Range
Min: 1.16   Max: 3.57
Current: 1.1

1.16
3.57
Price/Median PS Value 0.50
RM's Price/Median PS Value is ranked higher than
94% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 1.23 vs. RM: 0.50 )
RM' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 1.54
Current: 0.5

0.59
1.54
Price/Graham Number 0.80
RM's Price/Graham Number is ranked higher than
86% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. RM: 0.80 )
RM' s 10-Year Price/Graham Number Range
Min: 0.76   Max: 1.34
Current: 0.8

0.76
1.34
Earnings Yield (Greenblatt) 4.50
RM's Earnings Yield (Greenblatt) is ranked higher than
73% of the 193 Companies
in the Global Credit Services industry.

( Industry Median: 4.90 vs. RM: 4.50 )
RM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.2   Max: 9.1
Current: 4.5

4.2
9.1

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Regional Management Corp., was incorporated in South Carolina on March 25, 1987, and converted into a Delaware corporation on August 23, 2011. The Company, together with its subsidiaries, is a diversified specialty consumer finance company providing a range of loan products to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other traditional lenders. It has four branches in South Carolina and has expanded its branch network to 264 locations with approximately 335,000 active accounts across South Carolina, Texas, North Carolina, Georgia, Tennessee, Alabama, Oklahoma, and New Mexico. Its 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, retailers, and its consumer website. The Company operates an integrated branch model in which nearly all loans, regardless of origination channel, are serviced and collected through its branch network, providing it with frequent in-person contact with its customers, which it believes improves its credit performance and customer loyalty. It offers products such as; Small Installment Loans, Large Installment Loans, Automobile Purchase Loans, Retail Purchase Loans, and insurance Products. It operates in the consumer finance industry serving the large and growing population of non-prime and underbanked consumers who have limited access to credit from banks, thrifts, credit card companies, and other traditional lenders. It uses a data processing software package developed and owned by ParaData Financial Systems and has invested in customizing the ParaData software to improve the management of its specific processes and product types. The Company competes with Security Finance Corporation for small installment loans industry, and competes with non-prime auto lenders, dealers that provide financing, captive finance companies owned by automobile manufacturers, banks, and to a limited extent, credit unions in automobile purchase loan industry.
» More Articles for RM

Headlines

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More From Other Websites
REGIONAL MANAGEMENT CORP. Financials Mar 21 2015
REGIONAL MANAGEMENT CORP. Files SEC form 10-K, Annual Report Mar 16 2015
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 13 2015
Should You Dump Regional Management (RM) Now? - Analyst Blog Mar 12 2015
Regional Management's Q4 Earnings Tank on High Expenses - Analyst Blog Mar 10 2015
Regional Management tops 4Q revenue forecasts Mar 09 2015
Regional Management Corp Earnings Call scheduled for 4:30 pm ET today Mar 09 2015
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Results of Operations and Financial Condition,... Mar 09 2015
Regional Management Corp. Announces Fourth Quarter 2014 Results Mar 09 2015
Q4 2014 Regional Management Corp Earnings Release - After Market Close Mar 09 2015
Regional Management Corp. to Report Fourth Quarter 2014 Results on Monday, March 9, 2015 Mar 02 2015
Regional Management Corp. to Report Fourth Quarter 2014 Results on Monday, March 9, 2015 Mar 02 2015
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 14 2015
Regional Management Corp. Appoints Daniel Taggart to Newly-Created Position of Chief Risk Officer Jan 05 2015
Regional Management Corp. Appoints Daniel Taggart to Newly-Created Position of Chief Risk Officer Jan 05 2015
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 17 2014
Regional Management (RM) Downgraded From Hold to Sell Dec 04 2014
What Makes Regional Management (RM) a Strong Sell? Nov 21 2014
Regional Management Corp. Appoints Michael R. Dunn as Permanent Chief Executive Officer Nov 20 2014
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 20 2014

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