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Regional Management (Regional Management) PS Ratio

: 0.50 (As of Today)
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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Regional Management's share price is $25.20. Regional Management's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $50.45. Hence, Regional Management's PS Ratio for today is 0.50.

Good Sign:

Regional Management Corp stock PS Ratio (=0.49) is close to 3-year low of 0.45

The historical rank and industry rank for Regional Management's PS Ratio or its related term are showing as below:

RM' s PS Ratio Range Over the Past 10 Years
Min: 0.37   Med: 1.12   Max: 3.01
Current: 0.49

During the past 13 years, Regional Management's highest PS Ratio was 3.01. The lowest was 0.37. And the median was 1.12.

RM's PS Ratio is ranked better than
92.26% of 517 companies
in the Credit Services industry
Industry Median: 3.17 vs RM: 0.49

Regional Management's Revenue per Sharefor the three months ended in Dec. 2023 was $13.02. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $50.45.

Warning Sign:

Regional Management Corp revenue growth has slowed down over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of Regional Management was 3.00% per year. During the past 3 years, the average Revenue per Share Growth Rate was 18.70% per year. During the past 5 years, the average Revenue per Share Growth Rate was 18.80% per year. During the past 10 years, the average Revenue per Share Growth Rate was 15.50% per year.

During the past 13 years, Regional Management's highest 3-Year average Revenue per Share Growth Rate was 24.70% per year. The lowest was 12.60% per year. And the median was 14.70% per year.

Back to Basics: PS Ratio


Regional Management PS Ratio Historical Data

The historical data trend for Regional Management's PS Ratio 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
PS Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.12 0.99 1.54 0.57 0.50

Regional Management Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PS Ratio 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 Premium Member Only Premium Member Only Premium Member Only 0.57 0.53 0.62 0.55 0.50

Competitive Comparison

For the Credit Services subindustry, Regional Management's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio Distribution

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

* The bar in red indicates where Regional Management's PS Ratio falls into.



Regional Management PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

Regional Management's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=25.20/50.45
=0.50

Regional Management's Share Price of today is $25.20.
Regional Management's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $50.45.

* 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:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


Regional Management  (NYSE:RM) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


Regional Management PS Ratio Related Terms

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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

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