RM (Regional Management) Debt-to-Equity : 4.05 (As of Sep. 2024)

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What is Regional Management Debt-to-Equity?

Regional Management's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $249.2 Mil. Regional Management's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $1,181.4 Mil. Regional Management's Total Stockholders Equity for the quarter that ended in Sep. 2024 was $352.9 Mil. Regional Management's debt to equity for the quarter that ended in Sep. 2024 was 4.05.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

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

RM' s Debt-to-Equity Range Over the Past 10 Years
Min: 1.7 Med: 2.61 Max: 4.48
Current: 4.05

During the past 13 years, the highest Debt-to-Equity Ratio of Regional Management was 4.48. The lowest was 1.70. And the median was 2.61.

RM's Debt-to-Equity is ranked worse than
85.49% of 441 companies
in the Credit Services industry
Industry Median: 1.1 vs RM: 4.05

Regional Management Debt-to-Equity Historical Data

The historical data trend for Regional Management's Debt-to-Equity 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 Debt-to-Equity Chart

Regional Management Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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2.73

2.91

3.99

4.48

4.44

Regional Management Quarterly Data
	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Debt-to-Equity	Get a 7-Day Free Trial															4.25	4.44	4.13	4.09	4.05

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

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

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

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

Regional Management Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(244.94	+	1186.872)	/	322.273
	=	4.44

Regional Management's Debt to Equity Ratio for the quarter that ended in Sep. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(249.168	+	1181.429)	/	352.928
	=	4.05

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

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Regional Management Debt-to-Equity Related Terms

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

Regional Management Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Regional Management Corp (NYSE:RM) » Definitions » Debt-to-Equity

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

Basswood Capital Management, L.l.c.	director, 10 percent owner, other: Director-by-Deputization	645 MADISON AVENUE, 10TH FLOOR, NEW YORK NY 10022
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 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