Switch to:

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
97% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 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 0.34
RM's Equity to Asset is ranked lower than
53% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. RM: 0.34 )
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: 0.34
0.13
0.36
Interest Coverage 1.60
RM's Interest Coverage is ranked lower than
78% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 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
5.74%
2.79%
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 (%) 11.72
RM's Operating margin (%) is ranked lower than
66% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. RM: 11.72 )
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: 11.72
12.61
31.68
Net-margin (%) 7.20
RM's Net-margin (%) is ranked lower than
70% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. RM: 7.20 )
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: 7.2
7.8
26.38
ROE (%) 7.94
RM's ROE (%) is ranked lower than
52% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. RM: 7.94 )
Ranked among companies with meaningful ROE (%) only.
RM' s 10-Year ROE (%) Range
Min: 8.72  Med: 27.19 Max: 104.59
Current: 7.94
8.72
104.59
ROA (%) 2.72
RM's ROA (%) is ranked lower than
52% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. RM: 2.72 )
Ranked among companies with meaningful ROA (%) only.
RM' s 10-Year ROA (%) Range
Min: 2.78  Med: 6.70 Max: 13.63
Current: 2.72
2.78
13.63
Revenue Growth (3Y)(%) 20.50
RM's Revenue Growth (3Y)(%) is ranked higher than
76% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 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
51% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 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
73% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 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

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
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
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.75
RM's P/E(ttm) is ranked lower than
53% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. RM: 14.75 )
Ranked among companies with meaningful P/E(ttm) only.
RM' s 10-Year P/E(ttm) Range
Min: 6.09  Med: 11.40 Max: 17.71
Current: 14.75
6.09
17.71
PE(NRI) 15.40
RM's PE(NRI) is ranked lower than
52% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. RM: 15.40 )
Ranked among companies with meaningful PE(NRI) only.
RM' s 10-Year PE(NRI) Range
Min: 6.08  Med: 11.41 Max: 17.72
Current: 15.4
6.08
17.72
P/B 1.07
RM's P/B is ranked lower than
54% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. RM: 1.07 )
Ranked among companies with meaningful P/B only.
RM' s 10-Year P/B Range
Min: 0.85  Med: 1.69 Max: 3.57
Current: 1.07
0.85
3.57
P/S 1.05
RM's P/S is ranked higher than
82% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. RM: 1.05 )
Ranked among companies with meaningful P/S only.
RM' s 10-Year P/S Range
Min: 0.82  Med: 1.69 Max: 2.98
Current: 1.05
0.82
2.98
PFCF 2.64
RM's PFCF is ranked higher than
80% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. RM: 2.64 )
Ranked among companies with meaningful PFCF only.
RM' s 10-Year PFCF Range
Min: 1.82  Med: 3.46 Max: 7.16
Current: 2.64
1.82
7.16
POCF 2.52
RM's POCF is ranked higher than
80% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. RM: 2.52 )
Ranked among companies with meaningful POCF only.
RM' s 10-Year POCF Range
Min: 1.73  Med: 3.31 Max: 6.73
Current: 2.52
1.73
6.73
EV-to-EBIT 24.25
RM's EV-to-EBIT is ranked lower than
62% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. RM: 24.25 )
Ranked among companies with meaningful EV-to-EBIT only.
RM' s 10-Year EV-to-EBIT Range
Min: 11  Med: 17.00 Max: 26.2
Current: 24.25
11
26.2
PEG 1.20
RM's PEG is ranked lower than
68% of the 62 Companies
in the Global Credit Services industry.

( Industry Median: 0.73 vs. RM: 1.20 )
Ranked among companies with meaningful PEG only.
RM' s 10-Year PEG Range
Min: 0  Med: 0.00 Max: N/A
Current: 1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
RM's Price/Tangible Book is ranked lower than
51% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 1.11 vs. RM: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
RM' s 10-Year Price/Tangible Book Range
Min: 1.04  Med: 1.75 Max: 3.57
Current: 1.09
1.04
3.57
Price/Median PS Value 0.62
RM's Price/Median PS Value is ranked higher than
77% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. RM: 0.62 )
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: 1.65
Current: 0.62
0.58
1.65
Price/Graham Number 0.84
RM's Price/Graham Number is ranked lower than
52% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. RM: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
RM' s 10-Year Price/Graham Number Range
Min: 0.63  Med: 0.86 Max: 1.34
Current: 0.84
0.63
1.34
Earnings Yield (Greenblatt) (%) 4.18
RM's Earnings Yield (Greenblatt) (%) is ranked higher than
51% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. RM: 4.18 )
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: 4.18
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
Weekly CEO Buys Highlight: ENH, JRVR, RM, RYN, CLMS Dec 22 2014 
Rodinia Lithium Issues Clarifying Press Release Dec 04 2014 

More From Other Websites
Cash America International (CSH) Rises: Stock Gains 6.2% Sep 01 2015
3 Reasons Why Regional Management Corp. (RM) is a Great Value Stock Aug 26 2015
Discover Financial Enters into Strategic Agreement with Elo Aug 21 2015
REGIONAL MANAGEMENT CORP. Financials Aug 08 2015
Why Regional Management (RM) Could Beat Earnings Estimates Again - Tale of the Tape Aug 04 2015
REGIONAL MANAGEMENT CORP. Files SEC form 10-Q, Quarterly Report Jul 31 2015
Is the Crowd Right About Regional Management (RM) Stock? - Tale of the Tape Jul 29 2015
Regional Management (RM) Gains on Q2 Earnings Beat - Analyst Blog Jul 27 2015
Edited Transcript of RM earnings conference call or presentation 23-Jul-15 8:30pm GMT Jul 23 2015
Regional Management beats Street 2Q forecasts Jul 23 2015
Regional Management beats Street 2Q forecasts Jul 23 2015
Regional Management Corp Earnings Call scheduled for 4:30 pm ET today Jul 23 2015
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Results of Operations and Financial Condition, Change... Jul 23 2015
Regional Management Corp. Announces Second Quarter 2015 Results Jul 23 2015
Q2 2015 Regional Management Corp Earnings Release - After Market Close Jul 23 2015
Regional Management Corp. to Report Second Quarter 2015 Results on Thursday, July 23, 2015 Jul 14 2015
REGIONAL MANAGEMENT CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 02 2015
Will Regional Management (RM) Continue to Surge Higher? - Tale of the Tape May 15 2015
REGIONAL MANAGEMENT CORP. Files SEC form 10-Q, Quarterly Report May 08 2015
Air Transport Services Group Inc. (ATSG) and Nature’s Sunshine Prod. (NATR): Phil Frohlich’s... Apr 30 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK