Regional Management (Regional Management) Net Margin %

: -6.10% (As of Dec. 2023)

View and export this data going back to 2012. Start your Free Trial

Net margin is calculated as Net Income divided by its Revenue. Regional Management's Net Income for the three months ended in Dec. 2023 was $-7.6 Mil. Regional Management's Revenue for the three months ended in Dec. 2023 was $124.1 Mil. Therefore, Regional Management's net margin for the quarter that ended in Dec. 2023 was -6.10%.

The historical rank and industry rank for Regional Management's Net Margin % or its related term are showing as below:

RM' s Net Margin % Range Over the Past 10 Years
Min: 3.3 Med: 11.26 Max: 22.34
Current: 3.3

RM's Net Margin % is ranked worse than
70.1% of 525 companies
in the Credit Services industry
Industry Median: 15.07 vs RM: 3.30

Regional Management Net Margin % Historical Data

The historical data trend for Regional Management's Net Margin % 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.

Array ( [0] => - [1] => - [2] => - [3] => - [4] => - [5] => 14.17 [6] => 7.95 [7] => 22.34 [8] => 10.83 [9] => 3.30 )

Regional Management Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

14.17

7.95

22.34

10.83

3.30

Regional Management Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %																2.04	7.33	5.14	7.12	-6.10

Competitive Comparison

For the Credit Services subindustry, Regional Management's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % Distribution

For the Credit Services industry and Financial Services sector, Regional Management's Net Margin % distribution charts can be found below:

* The bar in red indicates where Regional Management's Net Margin % falls into.

Regional Management Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Regional Management's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	15.958	/	483.936
	=	3.30 %

Regional Management's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	-7.574	/	124.149
	=	-6.10 %

Regional Management (NYSE:RM) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Regional Management Net Margin % Related Terms

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

Regional Management (Regional Management) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Regional Management Corp (NYSE:RM) » Definitions » Net Margin %

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