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Regional Management (Regional Management) Shiller PE Ratio : 7.04 (As of Apr. 25, 2024)


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What is Regional Management Shiller PE Ratio?

As of today (2024-04-25), Regional Management's current share price is $26.04. Regional Management's E10 for the quarter that ended in Dec. 2023 was $3.70. Regional Management's Shiller PE Ratio for today is 7.04.

The historical rank and industry rank for Regional Management's Shiller PE Ratio or its related term are showing as below:

RM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.53   Med: 9.23   Max: 21.39
Current: 7.04

During the past years, Regional Management's highest Shiller PE Ratio was 21.39. The lowest was 4.53. And the median was 9.23.

RM's Shiller PE Ratio is ranked better than
78.38% of 296 companies
in the Credit Services industry
Industry Median: 14.405 vs RM: 7.04

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Regional Management's adjusted earnings per share data for the three months ended in Dec. 2023 was $-0.800. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $3.70 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Regional Management Shiller PE Ratio Historical Data

The historical data trend for Regional Management's Shiller PE Ratio 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 Shiller PE Ratio Chart

Regional Management Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.51 12.11 17.74 7.58 6.78

Regional Management Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.58 6.88 7.97 7.13 6.78

Competitive Comparison of Regional Management's Shiller PE Ratio

For the Credit Services subindustry, Regional Management's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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's Shiller PE Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Regional Management's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Regional Management's Shiller PE Ratio falls into.



Regional Management Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Regional Management's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=26.04/3.7
=7.04

* 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.

Regional Management's E10 for the quarter that ended in Dec. 2023 is calculated as:

For example, Regional Management's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=-0.8/129.4194*129.4194
=-0.800

Current CPI (Dec. 2023) = 129.4194.

Regional Management Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201403 0.430 99.695 0.558
201406 0.340 100.560 0.438
201409 0.110 100.428 0.142
201412 0.260 99.070 0.340
201503 0.310 99.621 0.403
201506 0.410 100.684 0.527
201509 0.500 100.392 0.645
201512 0.560 99.792 0.726
201603 0.400 100.470 0.515
201606 0.490 101.688 0.624
201609 0.560 101.861 0.712
201612 0.550 101.863 0.699
201703 0.650 102.862 0.818
201706 0.520 103.349 0.651
201709 0.450 104.136 0.559
201712 0.920 104.011 1.145
201803 0.720 105.290 0.885
201806 0.700 106.317 0.852
201809 0.610 106.507 0.741
201812 0.900 105.998 1.099
201903 0.670 107.251 0.808
201906 0.700 108.070 0.838
201909 1.080 108.329 1.290
201912 1.380 108.420 1.647
202003 -0.580 108.902 -0.689
202006 0.680 108.767 0.809
202009 1.010 109.815 1.190
202012 1.280 109.897 1.507
202103 2.310 111.754 2.675
202106 1.870 114.631 2.111
202109 2.110 115.734 2.359
202112 2.040 117.630 2.244
202203 2.670 121.301 2.849
202206 1.240 125.017 1.284
202209 1.060 125.227 1.095
202212 0.250 125.222 0.258
202303 0.900 127.348 0.915
202306 0.630 128.729 0.633
202309 0.910 129.860 0.907
202312 -0.800 129.419 -0.800

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Regional Management  (NYSE:RM) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Regional Management Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of Regional Management's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Regional Management (Regional Management) Business Description

Traded in Other Exchanges
N/A
Address
979 Batesville Road, Suite B, Greer, SC, USA, 29651
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