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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.01
NYSE:RM's Cash to Debt is ranked lower than
97% of the 370 Companies
in the Global Credit Services industry.

( Industry Median: 0.60 vs. NYSE:RM: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
NYSE:RM' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.01 Max: No Debt
Current: 0.01
Equity to Asset 0.29
NYSE:RM's Equity to Asset is ranked lower than
69% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. NYSE:RM: 0.29 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:RM' s Equity to Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.32 Max: 0.36
Current: 0.29
0.13
0.36
Interest Coverage 2.15
NYSE:RM's Interest Coverage is ranked lower than
67% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 vs. NYSE:RM: 2.15 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:RM' s Interest Coverage Range Over the Past 10 Years
Min: 0.77  Med: 2.35 Max: 3.39
Current: 2.15
0.77
3.39
F-Score: 5
M-Score: -2.90
WACC vs ROIC
6.46%
4.06%
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 (%) 19.05
NYSE:RM's Operating margin (%) is ranked higher than
50% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 19.21 vs. NYSE:RM: 19.05 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:RM' s Operating margin (%) Range Over the Past 10 Years
Min: 12.61  Med: 23.33 Max: 35.84
Current: 19.05
12.61
35.84
Net-margin (%) 11.64
NYSE:RM's Net-margin (%) is ranked lower than
52% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. NYSE:RM: 11.64 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:RM' s Net-margin (%) Range Over the Past 10 Years
Min: 7.8  Med: 18.4 Max: 24.65
Current: 11.64
7.8
24.65
ROE (%) 12.49
NYSE:RM's ROE (%) is ranked higher than
70% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 6.24 vs. NYSE:RM: 12.49 )
Ranked among companies with meaningful ROE (%) only.
NYSE:RM' s ROE (%) Range Over the Past 10 Years
Min: 8.72  Med: 23.51 Max: 104.59
Current: 12.49
8.72
104.59
ROA (%) 3.95
NYSE:RM's ROA (%) is ranked higher than
66% of the 382 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. NYSE:RM: 3.95 )
Ranked among companies with meaningful ROA (%) only.
NYSE:RM' s ROA (%) Range Over the Past 10 Years
Min: 2.78  Med: 6.33 Max: 13.63
Current: 3.95
2.78
13.63
Revenue Growth (3Y)(%) 14.10
NYSE:RM's Revenue Growth (3Y)(%) is ranked higher than
74% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. NYSE:RM: 14.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NYSE:RM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 14.1  Med: 15.3 Max: 20.7
Current: 14.1
14.1
20.7
EBITDA Growth (3Y)(%) -2.90
NYSE:RM's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. NYSE:RM: -2.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NYSE:RM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16  Med: 13.25 Max: 30.1
Current: -2.9
-16
30.1
EPS Growth (3Y)(%) -4.70
NYSE:RM's EPS Growth (3Y)(%) is ranked lower than
60% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. NYSE:RM: -4.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NYSE:RM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.6  Med: 2.4 Max: 26.2
Current: -4.7
-19.6
26.2
» NYSE:RM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

RM Guru Trades in Q4 2015

Jim Simons 66,500 sh (+134.98%)
Chuck Royce Sold Out
» More
Q1 2016

RM Guru Trades in Q1 2016

Jeremy Grantham 19,600 sh (New)
Jim Simons 41,000 sh (-38.35%)
» More
Q2 2016

RM Guru Trades in Q2 2016

Paul Tudor Jones 10,858 sh (New)
Jeremy Grantham 46,312 sh (+136.29%)
Jim Simons 42,600 sh (+3.90%)
» More
Q3 2016

RM Guru Trades in Q3 2016

Jim Simons 87,300 sh (+104.93%)
Paul Tudor Jones 11,363 sh (+4.65%)
Jeremy Grantham 35,149 sh (-24.10%)
» More
» Details

Insider Trades

Latest Guru Trades with RM

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Business Description

Industry: Credit Services » Credit Services
Compare:NYSE:ONDK, NYSE:ENVA, NAS:NEWS, NAS:CLDC, NAS:CPSS, NAS:ASFI, OTCPK:INPCF, NAS:SNFCA, NAS:MFIN, NAS:NICK, NAS:LOAN, NAS:ATLC, OTCPK:IEGH, NAS:WRLD, OTCPK:NXCN, NAS:CCCR, NAS:LMFA, NYSE:AGM, OTCPK:ALARF, OTCPK:JGWE » details
Regional Management Corp., 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.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 12.88
RM's P/E(ttm) is ranked higher than
58% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. RM: 12.88 )
Ranked among companies with meaningful P/E(ttm) only.
RM' s P/E(ttm) Range Over the Past 10 Years
Min: 6.13  Med: 10.4 Max: 17.72
Current: 12.88
6.13
17.72
PE(NRI) 12.88
RM's PE(NRI) is ranked higher than
58% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 14.38 vs. RM: 12.88 )
Ranked among companies with meaningful PE(NRI) only.
RM' s PE(NRI) Range Over the Past 10 Years
Min: 6.13  Med: 10.4 Max: 17.72
Current: 12.88
6.13
17.72
Price/Owner Earnings (ttm) 12.44
RM's Price/Owner Earnings (ttm) is ranked higher than
52% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 12.82 vs. RM: 12.44 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RM' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.73  Med: 10.22 Max: 19.23
Current: 12.44
5.73
19.23
P/B 1.48
RM's P/B is ranked lower than
59% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. RM: 1.48 )
Ranked among companies with meaningful P/B only.
RM' s P/B Range Over the Past 10 Years
Min: 0.76  Med: 1.28 Max: 3.56
Current: 1.48
0.76
3.56
P/S 1.50
RM's P/S is ranked higher than
78% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.30 vs. RM: 1.50 )
Ranked among companies with meaningful P/S only.
RM' s P/S Range Over the Past 10 Years
Min: 0.78  Med: 1.26 Max: 2.96
Current: 1.5
0.78
2.96
PFCF 4.16
RM's PFCF is ranked higher than
72% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 8.55 vs. RM: 4.16 )
Ranked among companies with meaningful PFCF only.
RM' s PFCF Range Over the Past 10 Years
Min: 1.82  Med: 3.12 Max: 7.05
Current: 4.16
1.82
7.05
POCF 3.67
RM's POCF is ranked higher than
74% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 8.47 vs. RM: 3.67 )
Ranked among companies with meaningful POCF only.
RM' s POCF Range Over the Past 10 Years
Min: 1.73  Med: 2.97 Max: 6.61
Current: 3.67
1.73
6.61
EV-to-EBIT 18.95
RM's EV-to-EBIT is ranked lower than
53% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 17.44 vs. RM: 18.95 )
Ranked among companies with meaningful EV-to-EBIT only.
RM' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.2  Med: 15.6 Max: 26.2
Current: 18.95
10.2
26.2
EV-to-EBITDA 16.55
RM's EV-to-EBITDA is ranked lower than
54% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 15.37 vs. RM: 16.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
RM' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.7  Med: 14 Max: 22.7
Current: 16.55
9.7
22.7
PEG 2.80
RM's PEG is ranked lower than
81% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. RM: 2.80 )
Ranked among companies with meaningful PEG only.
RM' s PEG Range Over the Past 10 Years
Min: 2.8  Med: 4.05 Max: 4.9
Current: 2.8
2.8
4.9

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.10
RM's 3-Year Average Share Buyback Ratio is ranked higher than
61% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. RM: -1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.8  Med: -9.3 Max: -1.1
Current: -1.1
-9.8
-1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
RM's Price/Tangible Book is ranked lower than
56% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. RM: 1.50 )
Ranked among companies with meaningful Price/Tangible Book only.
RM' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.89  Med: 1.33 Max: 3.56
Current: 1.5
0.89
3.56
Price/Projected FCF 0.27
RM's Price/Projected FCF is ranked higher than
87% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. RM: 0.27 )
Ranked among companies with meaningful Price/Projected FCF only.
RM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.21 Max: 0.29
Current: 0.27
0.17
0.29
Price/Median PS Value 1.17
RM's Price/Median PS Value is ranked lower than
64% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. RM: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
RM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.71  Med: 1 Max: 2.21
Current: 1.17
0.71
2.21
Price/Graham Number 0.92
RM's Price/Graham Number is ranked higher than
55% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. RM: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
RM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 0.82 Max: 1.35
Current: 0.92
0.54
1.35
Earnings Yield (Greenblatt) (%) 5.24
RM's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. RM: 5.24 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.8  Med: 6.4 Max: 9.8
Current: 5.24
3.8
9.8
Forward Rate of Return (Yacktman) (%) 19.46
RM's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 4.95 vs. RM: 19.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RM' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 19.46  Med: 32.3 Max: 45.1
Current: 19.46
19.46
45.1

More Statistics

Revenue (TTM) (Mil) $214.2
EPS (TTM) $ 2.02
Beta1.20
Short Percentage of Float8.53%
52-Week Range $11.77 - 26.23
Shares Outstanding (Mil)11.44
» More Articles for NYSE:RM

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: ENH, JRVR, RM, RYN, CLMS Dec 22 2014 

More From Other Websites
Hedge Funds Are Growing More Bullish on Regional Management Corp (RM) Dec 03 2016
ETF’s with exposure to Regional Management Corp. : November 2, 2016 Nov 02 2016
REGIONAL MANAGEMENT CORP. Financials Nov 02 2016
Regional Management Corp. :RM-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
Byblos Bank inaugurates its Batroun-Koura Regional Management premises and its new branch in Chekka... Oct 28 2016
Edited Transcript of RM earnings conference call or presentation 27-Oct-16 9:00pm GMT Oct 27 2016
Regional Management posts 3Q profit Oct 27 2016
Regional Management posts 3Q profit Oct 27 2016
Regional Management Corp Earnings Call scheduled for 5:00 pm ET today Oct 27 2016
Regional Management Corp. Announces Third Quarter 2016 Results Oct 27 2016
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 27 2016
Regional Management Corp. Announces Third Quarter 2016 Results Oct 27 2016
Q3 2016 Regional Management Corp Earnings Release - After Market Close Oct 27 2016
Regional Management Corp. to Report Third Quarter 2016 Results on Thursday, October 27, 2016 Oct 06 2016
Regional Management Corp. to Report Third Quarter 2016 Results on Thursday, October 27, 2016 Oct 06 2016
Byblos Bank inaugurates the new premises of its Bekaa Regional Management and its second branch in... Sep 26 2016
Visa (V) Rolls Out mVisa in Kenya to Expand Mobile Payments Sep 14 2016
Regional Management Corp. Successfully OpensVirginia Branches with Nortridge Loan System Aug 30 2016
Regional Management (RM) Amends its Senior Credit Facility Aug 30 2016
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation... Aug 29 2016

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