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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
99% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 209.25 vs. RM: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
RM' s 10-Year Cash to Debt Range
Min: 0  Med: 0.01 Max: No Debt
Current: 0.01
Equity to Asset 0.36
RM's Equity to Asset is ranked lower than
51% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. RM: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
RM' s 10-Year Equity to Asset Range
Min: 0.13  Med: 0.31 Max: 0.36
Current: 0.36
0.13
0.36
Interest Coverage 1.60
RM's Interest Coverage is ranked lower than
80% of the 172 Companies
in the Global Credit Services industry.

( Industry Median: 19.62 vs. RM: 1.60 )
Ranked among companies with meaningful Interest Coverage only.
RM' s 10-Year Interest Coverage Range
Min: 0.77  Med: 1.63 Max: 3.39
Current: 1.6
0.77
3.39
F-Score: 4
WACC vs ROIC
6.02%
2.67%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 11.17
RM's Operating margin (%) is ranked lower than
64% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 20.45 vs. RM: 11.17 )
Ranked among companies with meaningful Operating margin (%) only.
RM' s 10-Year Operating margin (%) Range
Min: 12.61  Med: 24.75 Max: 31.68
Current: 11.17
12.61
31.68
Net-margin (%) 6.88
RM's Net-margin (%) is ranked lower than
69% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 15.81 vs. RM: 6.88 )
Ranked among companies with meaningful Net-margin (%) only.
RM' s 10-Year Net-margin (%) Range
Min: 7.8  Med: 19.18 Max: 26.38
Current: 6.88
7.8
26.38
ROE (%) 7.58
RM's ROE (%) is ranked lower than
51% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 7.74 vs. RM: 7.58 )
Ranked among companies with meaningful ROE (%) only.
RM' s 10-Year ROE (%) Range
Min: 8.72  Med: 27.19 Max: 104.59
Current: 7.58
8.72
104.59
ROA (%) 2.60
RM's ROA (%) is ranked higher than
50% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 2.62 vs. RM: 2.60 )
Ranked among companies with meaningful ROA (%) only.
RM' s 10-Year ROA (%) Range
Min: 2.78  Med: 6.70 Max: 13.63
Current: 2.6
2.78
13.63
ROC (Joel Greenblatt) (%) 263.00
RM's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 16.23 vs. RM: 263.00 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 299.14  Med: 757.58 Max: 1014.01
Current: 263
299.14
1014.01
Revenue Growth (3Y)(%) 20.50
RM's Revenue Growth (3Y)(%) is ranked higher than
76% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. RM: 20.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 15.7  Med: 20.50 Max: 20.7
Current: 20.5
15.7
20.7
EBITDA Growth (3Y)(%) -2.80
RM's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: -3.40 vs. RM: -2.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -2.8  Med: 29.50 Max: 30.2
Current: -2.8
-2.8
30.2
EPS Growth (3Y)(%) -19.80
RM's EPS Growth (3Y)(%) is ranked lower than
72% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. RM: -19.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RM' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.8  Med: 9.50 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

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)
Jim Simons Sold Out
Ron Baron Sold Out
» More
Q1 2015

RM Guru Trades in Q1 2015

Chuck Royce 58,300 sh (+6.39%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 18.83
RM's P/E(ttm) is ranked lower than
59% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: 15.80 vs. RM: 18.83 )
Ranked among companies with meaningful P/E(ttm) only.
RM' s 10-Year P/E(ttm) Range
Min: 6.09  Med: 11.38 Max: 19.45
Current: 18.83
6.09
19.45
PE(NRI) 19.50
RM's PE(NRI) is ranked lower than
58% of the 209 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. RM: 19.50 )
Ranked among companies with meaningful PE(NRI) only.
RM' s 10-Year PE(NRI) Range
Min: 6.08  Med: 11.39 Max: 19.47
Current: 19.5
6.08
19.47
P/B 1.33
RM's P/B is ranked lower than
56% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. RM: 1.33 )
Ranked among companies with meaningful P/B only.
RM' s 10-Year P/B Range
Min: 0.85  Med: 1.70 Max: 3.57
Current: 1.33
0.85
3.57
P/S 1.28
RM's P/S is ranked higher than
79% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. RM: 1.28 )
Ranked among companies with meaningful P/S only.
RM' s 10-Year P/S Range
Min: 0.82  Med: 1.71 Max: 2.98
Current: 1.28
0.82
2.98
PFCF 3.25
RM's PFCF is ranked higher than
77% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 8.51 vs. RM: 3.25 )
Ranked among companies with meaningful PFCF only.
RM' s 10-Year PFCF Range
Min: 1.82  Med: 3.47 Max: 7.16
Current: 3.25
1.82
7.16
POCF 3.08
RM's POCF is ranked higher than
80% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 8.03 vs. RM: 3.08 )
Ranked among companies with meaningful POCF only.
RM' s 10-Year POCF Range
Min: 1.73  Med: 3.33 Max: 6.73
Current: 3.08
1.73
6.73
EV-to-EBIT 25.89
RM's EV-to-EBIT is ranked lower than
62% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 19.71 vs. RM: 25.89 )
Ranked among companies with meaningful EV-to-EBIT only.
RM' s 10-Year EV-to-EBIT Range
Min: 11  Med: 16.90 Max: 26.4
Current: 25.89
11
26.4
PEG 1.52
RM's PEG is ranked lower than
66% of the 61 Companies
in the Global Credit Services industry.

( Industry Median: 0.80 vs. RM: 1.52 )
Ranked among companies with meaningful PEG only.
RM' s 10-Year PEG Range
Min: 0  Med: 0.00 Max: N/A
Current: 1.52

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
RM's Price/Tangible Book is ranked lower than
54% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. RM: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
RM' s 10-Year Price/Tangible Book Range
Min: 1.04  Med: 1.76 Max: 3.57
Current: 1.35
1.04
3.57
Price/Median PS Value 0.76
RM's Price/Median PS Value is ranked higher than
72% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. RM: 0.76 )
Ranked among companies with meaningful Price/Median PS Value only.
RM' s 10-Year Price/Median PS Value Range
Min: 0.58  Med: 1.08 Max: 1.63
Current: 0.76
0.58
1.63
Price/Graham Number 1.06
RM's Price/Graham Number is ranked lower than
59% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. RM: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
RM' s 10-Year Price/Graham Number Range
Min: 0.63  Med: 0.83 Max: 1.34
Current: 1.06
0.63
1.34
Earnings Yield (Greenblatt) (%) 3.86
RM's Earnings Yield (Greenblatt) (%) is ranked higher than
51% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. RM: 3.86 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.8  Med: 5.90 Max: 9.1
Current: 3.86
3.8
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

Articles On GuruFocus.com
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