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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.01
NYSE:RM's Cash-to-Debt is ranked lower than
98% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 vs. NYSE:RM: 0.01 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:RM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.01 Max: No Debt
Current: 0.01
Equity-to-Asset 0.30
NYSE:RM's Equity-to-Asset is ranked lower than
59% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. NYSE:RM: 0.30 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:RM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.31 Max: 0.36
Current: 0.3
0.13
0.36
Debt-to-Equity 2.22
NYSE:RM's Debt-to-Equity is ranked lower than
64% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. NYSE:RM: 2.22 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:RM' s Debt-to-Equity Range Over the Past 10 Years
Min: 1.7  Med: 2.13 Max: 4.9
Current: 2.22
1.7
4.9
Interest Coverage 1.96
NYSE:RM's Interest Coverage is ranked lower than
69% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. NYSE:RM: 1.96 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:RM' s Interest Coverage Range Over the Past 10 Years
Min: 0.77  Med: 2.15 Max: 3.39
Current: 1.96
0.77
3.39
Beneish M-Score: -2.88
WACC vs ROIC
5.62%
3.95%
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 : 5/10

vs
industry
vs
history
Operating Margin % 17.26
NYSE:RM's Operating Margin % is ranked higher than
50% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 vs. NYSE:RM: 17.26 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:RM' s Operating Margin % Range Over the Past 10 Years
Min: 12.61  Med: 22.85 Max: 35.84
Current: 17.26
12.61
35.84
Net Margin % 11.28
NYSE:RM's Net Margin % is ranked lower than
54% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 vs. NYSE:RM: 11.28 )
Ranked among companies with meaningful Net Margin % only.
NYSE:RM' s Net Margin % Range Over the Past 10 Years
Min: 7.8  Med: 16.9 Max: 24.65
Current: 11.28
7.8
24.65
ROE % 12.89
NYSE:RM's ROE % is ranked higher than
66% of the 404 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 vs. NYSE:RM: 12.89 )
Ranked among companies with meaningful ROE % only.
NYSE:RM' s ROE % Range Over the Past 10 Years
Min: 8.72  Med: 19.83 Max: 104.59
Current: 12.89
8.72
104.59
ROA % 3.86
NYSE:RM's ROA % is ranked higher than
62% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. NYSE:RM: 3.86 )
Ranked among companies with meaningful ROA % only.
NYSE:RM' s ROA % Range Over the Past 10 Years
Min: 2.78  Med: 5.95 Max: 13.63
Current: 3.86
2.78
13.63
3-Year Revenue Growth Rate 14.60
NYSE:RM's 3-Year Revenue Growth Rate is ranked higher than
66% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. NYSE:RM: 14.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:RM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 14.1  Med: 14.9 Max: 20.7
Current: 14.6
14.1
20.7
3-Year EBITDA Growth Rate -0.90
NYSE:RM's 3-Year EBITDA Growth Rate is ranked lower than
62% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. NYSE:RM: -0.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:RM' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -15.9  Med: -0.9 Max: 30.1
Current: -0.9
-15.9
30.1
3-Year EPS without NRI Growth Rate -3.70
NYSE:RM's 3-Year EPS without NRI Growth Rate is ranked lower than
63% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. NYSE:RM: -3.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:RM' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -19.6  Med: -3.7 Max: 26.2
Current: -3.7
-19.6
26.2
GuruFocus has detected 3 Warning Signs with Regional Management Corp $NYSE:RM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:RM's 30-Y Financials

Financials (Next Earnings Date: 2017-10-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

RM Guru Trades in Q3 2016

Jim Simons 87,300 sh (+104.93%)
Paul Tudor Jones 11,363 sh (+4.65%)
Jeremy Grantham 35,149 sh (-24.10%)
» More
Q4 2016

RM Guru Trades in Q4 2016

Jim Simons 232,100 sh (+165.86%)
Jeremy Grantham 30,767 sh (-12.47%)
Paul Tudor Jones 9,904 sh (-12.84%)
» More
Q1 2017

RM Guru Trades in Q1 2017

Jim Simons 355,000 sh (+52.95%)
Paul Tudor Jones Sold Out
Jeremy Grantham 26,212 sh (-14.80%)
» More
Q2 2017

RM Guru Trades in Q2 2017

Paul Tudor Jones 9,264 sh (New)
Jeremy Grantham 26,212 sh (unchged)
Jim Simons 347,400 sh (-2.14%)
» More
» Details

Insider Trades

Latest Guru Trades with RM

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Business Description

Industry: Credit Services » Credit Services    NAICS: 523999    SIC: 6141
Compare:NYSE:ELVT, OTCPK:CCGN, LSE:FFI, NYSE:ONDK, OTCPK:NXCN, NYSE:ENVA, NAS:CPSS, NAS:SNFCA, NAS:NEWS, NAS:NICK, NAS:MFIN, NAS:ASFI, NAS:LOAN, NAS:ATLC, NAS:FPAY, NAS:EZPW, NAS:LMFA, OTCPK:IEGH, TSXV:LND, OTCPK:JGWE » details
Headquarter Location:USA
Regional Management Corp is a diversified specialty consumer finance company. The Company provides a range of loan products to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other traditional lenders.

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.

Ratios

vs
industry
vs
history
PE Ratio 10.42
RM's PE Ratio is ranked higher than
71% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.55 vs. RM: 10.42 )
Ranked among companies with meaningful PE Ratio only.
RM' s PE Ratio Range Over the Past 10 Years
Min: 6.13  Med: 10.32 Max: 17.72
Current: 10.42
6.13
17.72
PE Ratio without NRI 10.42
RM's PE Ratio without NRI is ranked higher than
72% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.63 vs. RM: 10.42 )
Ranked among companies with meaningful PE Ratio without NRI only.
RM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.13  Med: 10.32 Max: 17.72
Current: 10.42
6.13
17.72
Price-to-Owner-Earnings 9.84
RM's Price-to-Owner-Earnings is ranked higher than
66% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 13.67 vs. RM: 9.84 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
RM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.66  Med: 9.69 Max: 18.99
Current: 9.84
5.66
18.99
PB Ratio 1.25
RM's PB Ratio is ranked higher than
52% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. RM: 1.25 )
Ranked among companies with meaningful PB Ratio only.
RM' s PB Ratio Range Over the Past 10 Years
Min: 0.76  Med: 1.25 Max: 3.56
Current: 1.25
0.76
3.56
PS Ratio 1.18
RM's PS Ratio is ranked higher than
82% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. RM: 1.18 )
Ranked among companies with meaningful PS Ratio only.
RM' s PS Ratio Range Over the Past 10 Years
Min: 0.78  Med: 1.23 Max: 2.98
Current: 1.18
0.78
2.98
Price-to-Free-Cash-Flow 2.77
RM's Price-to-Free-Cash-Flow is ranked higher than
78% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 8.05 vs. RM: 2.77 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
RM' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.82  Med: 2.94 Max: 7.18
Current: 2.77
1.82
7.18
Price-to-Operating-Cash-Flow 2.47
RM's Price-to-Operating-Cash-Flow is ranked higher than
82% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.91 vs. RM: 2.47 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
RM' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.73  Med: 2.8 Max: 6.73
Current: 2.47
1.73
6.73
EV-to-EBIT 18.70
RM's EV-to-EBIT is ranked higher than
52% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 18.99 vs. RM: 18.70 )
Ranked among companies with meaningful EV-to-EBIT only.
RM' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.2  Med: 16.5 Max: 26.2
Current: 18.7
10.2
26.2
EV-to-EBITDA 16.19
RM's EV-to-EBITDA is ranked higher than
51% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. RM: 16.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
RM' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.7  Med: 14.6 Max: 22.6
Current: 16.19
9.7
22.6
EV-to-Revenue 3.23
RM's EV-to-Revenue is ranked higher than
75% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 5.88 vs. RM: 3.23 )
Ranked among companies with meaningful EV-to-Revenue only.
RM' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.6  Med: 3.2 Max: 5.3
Current: 3.23
2.6
5.3

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 3.30
RM's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 vs. RM: 3.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.8  Med: -9.2 Max: 3.3
Current: 3.3
-9.8
3.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.30
RM's Price-to-Tangible-Book is ranked higher than
53% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. RM: 1.30 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
RM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.89  Med: 1.31 Max: 3.56
Current: 1.3
0.89
3.56
Price-to-Intrinsic-Value-Projected-FCF 0.24
RM's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
92% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. RM: 0.24 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
RM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.22 Max: 0.3
Current: 0.24
0.17
0.3
Price-to-Median-PS-Value 0.95
RM's Price-to-Median-PS-Value is ranked higher than
55% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. RM: 0.95 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
RM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.73  Med: 1.03 Max: 2.28
Current: 0.95
0.73
2.28
Price-to-Graham-Number 0.77
RM's Price-to-Graham-Number is ranked higher than
65% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. RM: 0.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
RM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.54  Med: 0.8 Max: 1.35
Current: 0.77
0.54
1.35
Earnings Yield (Greenblatt) % 5.35
RM's Earnings Yield (Greenblatt) % is ranked higher than
60% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. RM: 5.35 )
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 Max: 9.8
Current: 5.35
3.8
9.8
Forward Rate of Return (Yacktman) % 25.46
RM's Forward Rate of Return (Yacktman) % is ranked higher than
73% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 10.33 vs. RM: 25.46 )
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: 18.5  Med: 28.1 Max: 45
Current: 25.46
18.5
45

More Statistics

Revenue (TTM) (Mil) $236.82
EPS (TTM) $ 2.28
Beta1.34
Short Percentage of Float8.58%
52-Week Range $18.31 - 27.56
Shares Outstanding (Mil)11.65

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 272 306 344
EPS ($) 2.43 2.77 3.15
EPS without NRI ($) 2.43 2.77 3.15
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)

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