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RM (Regional Management) Earnings Yield % : 7.06% (As of Dec. 12, 2024)


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What is Regional Management Earnings Yield %?

The earnings yield is an indication of how much return shareholders' investment in the company earned over the past 12 months. The higher the earnings yield is, the better.

As of today (2024-12-12), the stock price of Regional Management is $33.71. Regional Management's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2024 was $2.38. Therefore, Regional Management's earnings yield of today is 7.06%.

The earnings yield does not consider the growth of the business. A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Regional Management's Forward Rate of Return (Yacktman) % for the quarter that ended in Sep. 2024 was 69.90%. The Forward Rate of Return uses the normalized Free Cash Flow of the past seven years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.


Regional Management Earnings Yield % Calculation

Earnings yield is the reciprocal of the P/E Ratio.

Regional Management's Earnings Yield for today is calculated as

Earnings Yield=Earnings per Share (Diluted) (TTM)/Share Price
=2.380/33.71
=7.06 %

Regional Management's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2024 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.380 Mil.

* 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:

Earnings Yield=Net Income /Market Cap

The earnings in the calculation is the Trailing Twelve Months earnings.


Regional Management  (NYSE:RM) Earnings Yield % Explanation

If the P/E ratio is an indication of how many years it takes for the company to earn back the stock price shareholders pay to buy the shares, the earnings yield is an indication of how much return shareholders' investment in the company earned over the past 12 months. The higher the earnings yield is, the better.

If a company loses money, the earnings yield is negative. This gives a more straightforward indication that the company is losing money. This is an advantage of using earnings yield instead of the P/E ratio in valuation. For valuation purposes, the P/B Ratio and the P/S Ratio should be used for companies that are losing money.

Like the P/E ratio, the earnings yield can be used to compare investments in different industries. It can even be used to compare the attractiveness of different asset classes such as bonds and cash. Of course, the earnings yield should not be the only factor in deciding which asset classes to invest.

Also similar to the P/E ratio, the earnings yield does not consider the growth of the business. A growing company with the same earnings yield should be more attractive than a company that has the same earnings yield but does not grow.

A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %.

Be Aware

Just like the P/E Ratio, non-recurring items such as selling part of the business, selling a previous investment, etc., can affect earnings yield dramatically. The earning yield is also a poor indication for cyclical companies. When a cyclical stock has a high earnings yield it is usually at the peak of its cycle.


Regional Management Earnings Yield % Related Terms

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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
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