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Regional Management (Regional Management) Price-to-Owner-Earnings : 10.25 (As of Apr. 24, 2024)


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As of today (2024-04-24), Regional Management's share price is $25.93. Regional Management's Owner Earnings per Share (TTM) ended in Dec. 2023 was $2.53. It's Price-to-Owner-Earnings for today is 10.25.


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

RM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.29   Med: 8.19   Max: 20.55
Current: 10.41

During the past 13 years, the highest Price-to-Owner-Earnings of Regional Management was 20.55. The lowest was 2.29. And the median was 8.19.


RM's Price-to-Owner-Earnings is ranked worse than
55.56% of 171 companies
in the Credit Services industry
Industry Median: 8.91 vs RM: 10.41

As of today (2024-04-24), Regional Management's share price is $25.93. Regional Management's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2023 was $1.64. Therefore, Regional Management's PE Ratio for today is 15.81.

As of today (2024-04-24), Regional Management's share price is $25.93. Regional Management's EPS without NRI for the trailing twelve months (TTM) ended in was $1.64. Therefore, Regional Management's PE Ratio without NRI for today is 15.81.

During the past 13 years, Regional Management's highest PE Ratio without NRI was 17.17. The lowest was 3.20. And the median was 9.40.


Regional Management Price-to-Owner-Earnings Historical Data

The historical data trend for Regional Management's Price-to-Owner-Earnings 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 Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Price-to-Owner-Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.62 7.90 5.58 6.94 9.93

Regional Management Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Price-to-Owner-Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.94 14.43 18.78 9.83 9.93

Competitive Comparison

For the Credit Services subindustry, Regional Management's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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 Price-to-Owner-Earnings Distribution

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

* The bar in red indicates where Regional Management's Price-to-Owner-Earnings falls into.



Regional Management Price-to-Owner-Earnings Calculation

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

Regional Management's Price-to-Owner-Earnings for today is calculated as

Price-to-Owner-Earnings=Share Price/Owner Earnings per Share (TTM)
=25.93/2.53
=10.25

* 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.


Regional Management  (NYSE:RM) Price-to-Owner-Earnings Explanation

For how to get Owner Earnings per Share (TTM), please click.


Regional Management Price-to-Owner-Earnings Related Terms

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


Regional Management (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
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