Regional Management (Regional Management) Cash-to-Debt : 0.00 (As of Dec. 2023)

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What is Regional Management Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Regional Management's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.00.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Regional Management couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

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

During the past 13 years, Regional Management's highest Cash to Debt Ratio was 0.02. The lowest was 0.00. And the median was 0.01.

RM's Cash-to-Debt is not ranked ^*
in the Credit Services industry.
Industry Median: 0.215
* Ranked among companies with meaningful Cash-to-Debt only.

Regional Management Cash-to-Debt Historical Data

The historical data trend for Regional Management's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Regional Management Cash-to-Debt Chart

Regional Management Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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0.01

Regional Management Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Cash-to-Debt	Get a 7-Day Free Trial															-	0.01	0.01	0.01	-

Competitive Comparison of Regional Management's Cash-to-Debt

For the Credit Services subindustry, Regional Management's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt Distribution in the Credit Services Industry

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

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

Regional Management Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Regional Management's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	4.509	/	(244.94	+	1186.872)
	=	0.00

Regional Management's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	4.509	/	(244.94	+	1186.872)
	=	0.00

Regional Management (NYSE:RM) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Regional Management Cash-to-Debt 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 » Cash-to-Debt

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