Regional Management (Regional Management) FCF Margin %

: 51.61% (As of Dec. 2023)

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FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Regional Management's Free Cash Flow for the three months ended in Dec. 2023 was $64.1 Mil. Regional Management's Revenue for the three months ended in Dec. 2023 was $124.1 Mil. Therefore, Regional Management's FCF Margin % for the quarter that ended in Dec. 2023 was 51.61%.

As of today, Regional Management's current FCF Yield % is 95.34%.

The historical rank and industry rank for Regional Management's FCF Margin % or its related term are showing as below:

RM' s FCF Margin % Range Over the Past 10 Years
Min: 38.83 Med: 45.45 Max: 51.05
Current: 48.99

During the past 13 years, the highest FCF Margin % of Regional Management was 51.05%. The lowest was 38.83%. And the median was 45.45%.

RM's FCF Margin % is ranked better than
76.53% of 524 companies
in the Credit Services industry
Industry Median: -4.295 vs RM: 48.99

Regional Management FCF Margin % Historical Data

The historical data trend for Regional Management's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Regional Management Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

FCF Margin %

47.78

47.50

45.88

45.02

48.99

Regional Management Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
FCF Margin %																47.12	41.54	50.34	52.22	51.61

Competitive Comparison

For the Credit Services subindustry, Regional Management's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Regional Management FCF Margin % Distribution

For the Credit Services industry and Financial Services sector, Regional Management's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Regional Management's FCF Margin % falls into.

Regional Management FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Regional Management's FCF Margin for the fiscal year that ended in Dec. 2023 is calculated as

FCF Margin	=	Free Cash Flow (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	237.096	/	483.936
	=	48.99 %

Regional Management's FCF Margin for the quarter that ended in Dec. 2023 is calculated as

FCF Margin	=	Free Cash Flow (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	64.078	/	124.149
	=	51.61 %

Regional Management FCF Margin % Related Terms

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Regional Management (Regional Management) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Regional Management Corp (NYSE:RM) » Definitions » FCF Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

979 Batesville Road, Suite B, Greer, SC, USA, 29651

Website

https://www.regionalmanagement.com

Regional Management Corp is a diversified consumer finance company that provides installment loan products to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. It is engaged in consumer finance. The company has the core products which are small and large installment loans. The company also offers optional payment and collateral protection insurance. The company's principal source of revenue is interest and fee income on outstanding loans.

Executives

Roel C Campos	director	509 WEST BUTLER ROAD, GREENVILLE SC 29607
John D. Schachtel	officer: EVP and COO	979 BATESVILLE ROAD, SUITE B, GREER SC 29651
Basswood Financial Fund, L.p.	director, 10 percent owner, other: Director-by-Deputization	645 MADISON AVENUE, 10TH FLOOR, NEW YORK NY 10022
Basswood Capital Management, L.l.c.	director, 10 percent owner, other: Director-by-Deputization	645 MADISON AVENUE, 10TH FLOOR, NEW YORK NY 10022
Basswood Financial Fund, Inc.	director, 10 percent owner, other: Director-by-Deputization	3RD FL., HARBOUR CENTRE, P.O. BOX 61, GEORGE TOWN E9 KY1-1102
Robert William Beck	officer: EVP and CFO	979 BATESVILLE ROAD, SUITE B, GREER SC 29651
Sandra K. Johnson	director	979 BATESVILLE ROAD, SUITE B, GREER SC 29651
Matthew A Lindenbaum	director, 10 percent owner	645 MADISON AVENUE, 10TH FLOOR, NEW YORK NY 10022
Basswood Opportunity Fund Inc	director, 10 percent owner, other: Director-by-Deputization	645 MADISON AVE, 10TH FL, NEW YORK NY 10017
Basswood Financial Long Only Fund, L.p.	director, 10 percent owner, other: Director-by-Deputization	645 MADISON AVENUE, 10TH FL., NEW YORK NY 10022
Jonathan David Brown	director	C/O BASSWOOD CAPITAL MANAGEMENT, 645 MADISON AVENUE, 10TH FLOOR, NEW YORK NY 10022
Basswood Partners, L.l.c.	director, 10 percent owner, other: Director-by-Deputization	645 MADISON AVENUE, 10TH FL, NEW YORK NY 10022
Bennett D Lindenbaum	director, 10 percent owner, other: Director-by-Deputization	645 MADISON AVENUE, 10TH FLOOR, NEW YORK NY 10022
Basswood Opportunity Partners, L.p.	director, 10 percent owner, other: Director-by-Deputization	BASSWOOD CAPITAL MANAGEMENT LLC, 645 MADISON AVENUE, NEW YORK NY 10022
Philip V Bancroft	director