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Regional Management (Regional Management) Price-to-Free-Cash-Flow

: 1.01 (As of Today)
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As of today (2024-04-17), Regional Management's share price is $24.86. Regional Management's Free Cash Flow per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $24.72. Hence, Regional Management's Price-to-Free-Cash-Flow Ratio for today is 1.01.

The historical rank and industry rank for Regional Management's Price-to-Free-Cash-Flow or its related term are showing as below:

RM' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.73   Med: 2.55   Max: 7.23
Current: 0.97

During the past 13 years, Regional Management's highest Price-to-Free-Cash-Flow Ratio was 7.23. The lowest was 0.73. And the median was 2.55.

RM's Price-to-Free-Cash-Flow is ranked better than
89.58% of 240 companies
in the Credit Services industry
Industry Median: 6.465 vs RM: 0.97

Regional Management's Free Cash Flow per Share for the three months ended in Dec. 2023 was $6.72. Its Free Cash Flow per Share for the trailing twelve months (TTM) ended in was $24.72.

During the past 12 months, the average Free Cash Flow per Share Growth Rate of Regional Management was 12.10% per year. During the past 3 years, the average Free Cash Flow per Share Growth Rate was 19.90% per year. During the past 5 years, the average Free Cash Flow per Share Growth Rate was 17.40% per year. During the past 10 years, the average Free Cash Flow per Share Growth Rate was 17.30% per year.

During the past 13 years, Regional Management's highest 3-Year average Free Cash Flow per Share Growth Rate was 25.70% per year. The lowest was 8.30% per year. And the median was 15.70% per year.


Regional Management Price-to-Free-Cash-Flow Historical Data

The historical data trend for Regional Management's Price-to-Free-Cash-Flow 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
Price-to-Free-Cash-Flow
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.34 2.08 3.36 1.27 1.01

Regional Management Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Price-to-Free-Cash-Flow 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 Premium Member Only Premium Member Only Premium Member Only 1.27 1.14 1.35 1.16 1.01

Competitive Comparison

For the Credit Services subindustry, Regional Management's Price-to-Free-Cash-Flow, along with its competitors' market caps and Price-to-Free-Cash-Flow 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 Price-to-Free-Cash-Flow Distribution

For the Credit Services industry and Financial Services sector, Regional Management's Price-to-Free-Cash-Flow distribution charts can be found below:

* The bar in red indicates where Regional Management's Price-to-Free-Cash-Flow falls into.



Regional Management Price-to-Free-Cash-Flow Calculation

Regional Management's Price-to-Free-Cash-Flow ratio for today is calculated as

Price-to-Free-Cash-Flow Ratio=Share Price/ Free Cash Flow per Share (TTM)
=24.86/24.72
=1.01

Regional Management's Share Price of today is $24.86.
Regional Management's Free Cash Flow per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $24.72.

* 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.

It can also be calculated from the numbers for the whole company:

Price-to-Free-Cash-Flow Ratio=Market Cap/Free Cash Flow

Regional Management  (NYSE:RM) Price-to-Free-Cash-Flow Explanation

Free Cash Flow is considered more important than earnings by value investors. The reason is because, in principle, only the net cash that can be taken from the business belongs to shareholders. This Free Cash Flow can be used to grow the business, reduce debt or return to shareholders in dividends or share buybacks.

In a DCF Calculation Free Cash Flow is used to determine the intrinsic value of companies.


Be Aware

In real business, Free Cash Flow can be affected by the change in accounts receivable, accounts payable, management's decision on expansion, etc. Therefore, investors should look at the Free Cash Flow over the longer term. Long-term average of Free Cash Flow is a more reliable indicator for real free cash flow.


Regional Management Price-to-Free-Cash-Flow Related Terms

Thank you for viewing the detailed overview of Regional Management's Price-to-Free-Cash-Flow 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