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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 0.02
RM's Cash to Debt is ranked lower than
90% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. RM: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
RM' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.01 Max: No Debt
Current: 0.02
Equity to Asset 0.33
RM's Equity to Asset is ranked lower than
63% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. RM: 0.33 )
Ranked among companies with meaningful Equity to Asset only.
RM' s Equity to Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.32 Max: 0.36
Current: 0.33
0.13
0.36
Interest Coverage 2.35
RM's Interest Coverage is ranked lower than
64% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. RM: 2.35 )
Ranked among companies with meaningful Interest Coverage only.
RM' s Interest Coverage Range Over the Past 10 Years
Min: 0.77  Med: 2.18 Max: 3.39
Current: 2.35
0.77
3.39
F-Score: 4
WACC vs ROIC
5.76%
4.27%
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 (%) 18.97
RM's Operating margin (%) is ranked higher than
51% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. RM: 18.97 )
Ranked among companies with meaningful Operating margin (%) only.
RM' s Operating margin (%) Range Over the Past 10 Years
Min: 12.61  Med: 26.45 Max: 35.84
Current: 18.97
12.61
35.84
Net-margin (%) 11.62
RM's Net-margin (%) is ranked lower than
55% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. RM: 11.62 )
Ranked among companies with meaningful Net-margin (%) only.
RM' s Net-margin (%) Range Over the Past 10 Years
Min: 7.8  Med: 19.18 Max: 24.65
Current: 11.62
7.8
24.65
ROE (%) 12.22
RM's ROE (%) is ranked higher than
66% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. RM: 12.22 )
Ranked among companies with meaningful ROE (%) only.
RM' s ROE (%) Range Over the Past 10 Years
Min: 8.72  Med: 27.19 Max: 104.59
Current: 12.22
8.72
104.59
ROA (%) 4.15
RM's ROA (%) is ranked higher than
67% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. RM: 4.15 )
Ranked among companies with meaningful ROA (%) only.
RM' s ROA (%) Range Over the Past 10 Years
Min: 2.78  Med: 6.70 Max: 13.63
Current: 4.15
2.78
13.63
Revenue Growth (3Y)(%) 14.90
RM's Revenue Growth (3Y)(%) is ranked higher than
72% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. RM: 14.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 14.9  Med: 15.70 Max: 20.7
Current: 14.9
14.9
20.7
EBITDA Growth (3Y)(%) -16.00
RM's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 vs. RM: -16.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16  Med: 29.50 Max: 30.2
Current: -16
-16
30.2
EPS Growth (3Y)(%) -19.40
RM's EPS Growth (3Y)(%) is ranked lower than
75% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 vs. RM: -19.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.4  Med: 9.50 Max: 26.2
Current: -19.4
-19.4
26.2
» RM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

RM Guru Trades in Q1 2015

Chuck Royce 58,300 sh (+6.39%)
» More
Q2 2015

RM Guru Trades in Q2 2015

Jim Simons 77,828 sh (New)
Chuck Royce 58,300 sh (unchged)
» More
Q3 2015

RM Guru Trades in Q3 2015

Jim Simons 28,300 sh (-63.64%)
Chuck Royce 6,900 sh (-88.16%)
» More
Q4 2015

RM Guru Trades in Q4 2015

Jim Simons 66,500 sh (+134.98%)
Chuck Royce 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 8.75
RM's P/E(ttm) is ranked higher than
75% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 13.54 vs. RM: 8.75 )
Ranked among companies with meaningful P/E(ttm) only.
RM' s P/E(ttm) Range Over the Past 10 Years
Min: 6.13  Med: 10.74 Max: 17.72
Current: 8.75
6.13
17.72
PE(NRI) 8.75
RM's PE(NRI) is ranked higher than
72% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 13.40 vs. RM: 8.75 )
Ranked among companies with meaningful PE(NRI) only.
RM' s PE(NRI) Range Over the Past 10 Years
Min: 6.13  Med: 10.74 Max: 17.72
Current: 8.75
6.13
17.72
P/B 0.81
RM's P/B is ranked higher than
63% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. RM: 0.81 )
Ranked among companies with meaningful P/B only.
RM' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.61 Max: 3.57
Current: 0.81
0.79
3.57
P/S 0.85
RM's P/S is ranked higher than
85% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. RM: 0.85 )
Ranked among companies with meaningful P/S only.
RM' s P/S Range Over the Past 10 Years
Min: 0.79  Med: 1.49 Max: 2.96
Current: 0.85
0.79
2.96
PFCF 2.16
RM's PFCF is ranked higher than
89% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 11.19 vs. RM: 2.16 )
Ranked among companies with meaningful PFCF only.
RM' s PFCF Range Over the Past 10 Years
Min: 1.82  Med: 3.14 Max: 7.04
Current: 2.16
1.82
7.04
POCF 2.04
RM's POCF is ranked higher than
88% of the 155 Companies
in the Global Credit Services industry.

( Industry Median: 9.55 vs. RM: 2.04 )
Ranked among companies with meaningful POCF only.
RM' s POCF Range Over the Past 10 Years
Min: 1.73  Med: 3.01 Max: 6.62
Current: 2.04
1.73
6.62
EV-to-EBIT 17.72
RM's EV-to-EBIT is ranked lower than
52% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 16.94 vs. RM: 17.72 )
Ranked among companies with meaningful EV-to-EBIT only.
RM' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.2  Med: 15.90 Max: 26.2
Current: 17.72
10.2
26.2
EV-to-EBITDA 15.91
RM's EV-to-EBITDA is ranked lower than
53% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 14.74 vs. RM: 15.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
RM' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.7  Med: 14.60 Max: 22.7
Current: 15.91
9.7
22.7
PEG 0.75
RM's PEG is ranked lower than
58% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 0.59 vs. RM: 0.75 )
Ranked among companies with meaningful PEG only.
RM' s PEG Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: N/A
Current: 0.75

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.82
RM's Price/Tangible Book is ranked higher than
68% of the 383 Companies
in the Global Credit Services industry.

( Industry Median: 2.00 vs. RM: 0.82 )
Ranked among companies with meaningful Price/Tangible Book only.
RM' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.02  Med: 1.74 Max: 3.57
Current: 0.82
1.02
3.57
Price/Median PS Value 0.57
RM's Price/Median PS Value is ranked higher than
78% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. RM: 0.57 )
Ranked among companies with meaningful Price/Median PS Value only.
RM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 1.13 Max: 1.76
Current: 0.57
0.62
1.76
Price/Graham Number 0.51
RM's Price/Graham Number is ranked higher than
73% of the 322 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. RM: 0.51 )
Ranked among companies with meaningful Price/Graham Number only.
RM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.63  Med: 0.84 Max: 1.35
Current: 0.51
0.63
1.35
Earnings Yield (Greenblatt) (%) 5.66
RM's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. RM: 5.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.8  Med: 6.30 Max: 9.8
Current: 5.66
3.8
9.8
Forward Rate of Return (Yacktman) (%) 40.82
RM's Forward Rate of Return (Yacktman) (%) is ranked lower than
99.99% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. RM: 40.82 )
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: 2.1  Med: 3.90 Max: 7.3
Current: 40.82
2.1
7.3

More Statistics

Revenue(Mil) $201
EPS $ 1.78
Beta1.44
Short Percentage of Float10.63%
52-Week Range $11.77 - 20.27
Shares Outstanding(Mil)12.91

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
Weekly CEO Buys Highlight: ENH, JRVR, RM, RYN, CLMS Dec 22 2014 

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