RM Stock Price, Regional Management Corp Quote, Chart

Market Summary

USD29.66-0.14

Delayed

-0.47%

RM Alerts

1 major insider buys recently.

RM Stock Price

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RM RSI Chart

RM Valuation

Market Cap

293.5M

Price/Earnings (Trailing)

13.06

Price/Sales (Trailing)

0.52

EV/EBITDA

14.56

Price/Free Cashflow

1.17

RM Price/Sales (Trailing)

RM Profitability

EBT Margin

5.20%

Return on Equity

6.68%

Return on Assets

1.28%

Free Cashflow Yield

85.49%

RM Fundamentals

RM Revenue

Revenue (TTM)

560.3M

Rev. Growth (Yr)

6.6%

Rev. Growth (Qtr)

1.87%

RM Earnings

Earnings (TTM)

22.5M

Earnings Growth (Yr)

74.99%

Earnings Growth (Qtr)

300.75%

Breaking Down RM Revenue

Last 7 days

-1.1%

Last 30 days

19.3%

Last 90 days

27.6%

Trailing 12 Months

9.4%

How does RM drawdown profile look like?

RM Financial Health

Debt/Equity

4.03

Debt/Cashflow

0.19

RM Investor Care

Shares Dilution (1Y)

2.62%

Diluted EPS (TTM)

2.32

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	560.3M	0	0	0
2023	521.7M	532.3M	541.8M	551.4M
2022	451.5M	474.7M	494.7M	507.2M
2021	375.6M	385.4M	406.3M	428.4M
2020	370.0M	375.6M	374.4M	373.9M
2019	315.8M	327.7M	341.5M	355.7M
2018	279.3M	286.3M	295.1M	306.7M
2017	249.6M	257.7M	264.4M	272.5M
2016	221.5M	225.8M	233.2M	240.5M
2015	207.7M	213.2M	214.4M	217.3M
2014	181.6M	189.9M	199.5M	204.7M
2013	142.8M	150.0M	159.0M	170.6M
2012	112.0M	119.6M	128.2M	135.7M
2011	91.4M	96.0M	100.6M	105.2M
2010	0	0	0	86.8M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Regional Management Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 07, 2024	basswood capital management, l.l.c.	bought	1,951,290	30.2738	64,455	-
May 06, 2024	basswood capital management, l.l.c.	bought	140,677	30.04	4,683	-
May 06, 2024	beck robert william	gifted	-	-	-4,000	president and ceo
May 06, 2024	basswood capital management, l.l.c.	bought	102,376	30.04	3,408	-
Apr 12, 2024	beck robert william	acquired	-	-	18,530	president and ceo
Apr 12, 2024	atwood catherine r	sold (taxes)	-19,400	25.00	-776	svp and general counsel
Apr 12, 2024	parmar manish	sold	-	-	-4,367	evp, chief credit risk officer
Apr 12, 2024	parmar manish	sold (taxes)	-26,600	25.00	-1,064	evp, chief credit risk officer
Apr 12, 2024	rana harpreet	sold (taxes)	-49,600	25.00	-1,984	evp and cfo
Apr 12, 2024	rana harpreet	sold	-	-	-5,501	evp and cfo

Which funds bought or sold RM recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.91	-13,646	19,610	-%
May 15, 2024	BARCLAYS PLC	reduced	-24.32	-151,000	409,000	-%
May 15, 2024	BASSWOOD CAPITAL MANAGEMENT, L.L.C.	added	2.56	-229,191	22,804,000	1.33%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	3.02	-12,592	2,281,530	0.05%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	unchanged	-	-34,000	959,000	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	reduced	-7.27	-72,273	616,750	-%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	reduced	-34.74	-513,771	874,683	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-13.21	-98,541	508,846	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	124	11,357	21,063	-%
May 15, 2024	Federation des caisses Desjardins du Quebec	new	-	5,810	5,810	-%

Are Funds Buying or Selling RM?

Are funds buying RM calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own RM

No. of Funds

RM Alerts

1 major insider buys recently.

Unveiling Regional Management Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
May 07, 2024	forager fund, l.p.	11.0%	1,086,102	SC 13G/A
Feb 14, 2024	forager fund, l.p.	10.0%	983,686	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	7.7%	759,118	SC 13G/A
Feb 08, 2024	wellington trust co n a	7.10%	698,298	SC 13G/A
Feb 08, 2024	wellington management group llp	7.43%	731,018	SC 13G/A
Jan 23, 2024	blackrock inc.	14.1%	1,382,534	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	8.0%	763,511	SC 13G/A
Feb 06, 2023	wellington management group llp	8.28%	793,431	SC 13G/A
Feb 06, 2023	wellington trust co n a	7.92%	758,911	SC 13G/A
Jan 23, 2023	blackrock inc.	10.9%	1,042,908	SC 13G/A

Recent SEC filings of Regional Management Corp

View All Filings

Date Filed	Form Type	Document
May 16, 2024	S-8	Employee Benefits Plan
May 13, 2024	3	Insider Trading
May 08, 2024	4	Insider Trading
May 08, 2024	8-K	Current Report
May 07, 2024	4	Insider Trading
May 07, 2024	SC 13G/A	Major Ownership Report
May 03, 2024	10-Q	Quarterly Report
May 01, 2024	8-K	Current Report
Apr 30, 2024	10-K/A	Annual Report
Apr 17, 2024	ARS	ARS

Peers (Alternatives to Regional Management Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.6B	25.7B	0.06%	17.45%	36.27	16.72	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.22	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	181.0M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-0.01	0	-15.13%	-1364.54%

Regional Management Corp News

Latest updates

Regional Management Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	1.9%	144	142	141	133	135	132	131	123	121	119	111	100	98.00	97.00	91.00	90.00	96.00	98.00	92.00	84.00	82.00
S&GA Expenses	-100.0%	-	65.00	62.00	57.00	59.00	55.00	58.00	54.00	55.00	56.00	48.00	46.00	46.00	45.00	44.00	42.00	46.00	41.00	40.00	38.00	38.00
EBITDA Margin	8.0%	0.19*	0.17*	0.19*	0.19*	0.20*	0.23*	0.28*	0.32*	0.35*	0.36*	0.37*	0.36*	-	-	-	-	-	-	-	-	-
Interest Expenses	3.4%	16.00	16.00	15.00	14.00	15.00	12.00	10.00	9.00	9.00	8.00	9.00	8.00	7.00	9.00	9.00	9.00	10.00	10.00	10.00	10.00	10.00
Income Taxes	341.5%	5.00	-1.96	2.00	2.00	3.00	-1.16	3.00	4.00	8.00	5.00	7.00	5.00	8.00	4.00	4.00	4.00	-3.52	5.00	4.00	3.00	2.00
Earnings Before Taxes	309.1%	20.00	-9.53	11.00	8.00	12.00	1.00	13.00	16.00	35.00	25.00	29.00	25.00	33.00	19.00	15.00	12.00	-9.85	21.00	17.00	11.00	11.00
EBT Margin	37.8%	0.05*	0.04*	0.06*	0.06*	0.08*	0.13*	0.18*	0.22*	0.25*	0.26*	0.26*	0.24*	-	-	-	-	-	-	-	-	-
Net Income	300.8%	15.00	-7.57	9.00	6.00	9.00	2.00	10.00	12.00	27.00	21.00	22.00	20.00	26.00	14.00	11.00	7.00	-6.32	16.00	13.00	8.00	8.00
Net Income Margin	38.6%	0.04*	0.03*	0.05*	0.05*	0.06*	0.10*	0.14*	0.17*	0.20*	0.21*	0.20*	0.18*	-	-	-	-	-	-	-	-	-
Free Cashflow	-12.7%	57.00	66.00	67.00	61.00	51.00	57.00	54.00	63.00	45.00	55.00	46.00	49.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-2.1%	1,757	1,795	1,765	1,724	1,701	1,725	1,607	1,548	1,498	1,460	1,314	1,191	1,098	1,104	1,038	1,000	1,079	1,159	1,086	1,019	953
Cash Equivalents	-4.9%	122	129	124	141	134	132	117	153	157	149	112	106	86.00	72.00	63.00	63.00	69.00	56.00	46.00	42.00	41.00
Net PPE	-2.5%	13.00	14.00	14.00	15.00	15.00	15.00	12.00	13.00	13.00	13.00	12.00	13.00	13.00	14.00	15.00	16.00	15.00	15.00	15.00	14.00	14.00
Liabilities	-3.5%	1,420	1,472	1,435	1,402	1,384	1,416	1,298	1,249	1,199	1,177	1,036	912	815	832	765	740	828	856	789	729	666
Long Term Debt	-2.9%	1,355	1,395	1,367	1,338	1,321	1,346	1,231	1,184	1,122	1,097	969	844	744	762	692	676	769	799	736	682	620
Shareholder's Equity	4.4%	336	322	331	322	317	309	308	299	299	283	277	279	284	272	272	260	251	303	297	290	288
Retained Earnings	3.5%	362	350	360	354	351	346	346	339	330	306	288	268	251	227	215	204	197	249	233	221	212
Additional Paid-In Capital	1.5%	124	122	120	116	114	112	112	108	106	105	106	106	105	105	106	105	103	103	102	100	99.00
Shares Outstanding	1.1%	10.00	10.00	10.00	10.00	10.00	10.00	9.00	9.00	10.00	10.00	10.00	10.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	246	-	-	-	290	-	-	-	392	-	-	-	164	-	-	-	257	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-12.6%	58.00	67.00	68.00	62.00	53.00	60.00	55.00	64.00	46.00	57.00	47.00	50.00	35.00	40.00	41.00	40.00	45.00	43.00	48.00	36.00	31.00
Share Based Compensation	-53.7%	2.00	4.00	3.00	2.00	2.00	3.00	3.00	3.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	2.00	1.00	1.00	1.00
Cashflow From Investing	76.0%	-20.33	-84.61	-109	-64.57	-20.20	-151	-133	-112	-49.35	-128	-140	-101	15.00	-85.13	-55.32	49.00	0.00	-82.87	-91.18	-87.92	-6.79
Cashflow From Financing	-302.3%	-44.41	22.00	25.00	10.00	-29.96	106	43.00	45.00	11.00	108	99.00	71.00	-35.50	55.00	13.00	-94.23	-31.68	50.00	46.00	53.00	-32.80
Buy Backs	-	-	-	-	-	-	-	-	12.00	9.00	11.00	22.00	22.00	12.00	-	-	-	-	11.00	7.00	-	-

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RM Income Statement

2024-03-31

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenue
Interest and fee income	$ 128,818	$ 120,407
Insurance income, net	10,974	10,959
Other income	4,516	4,012
Total revenue	144,308	135,378
Expenses
Provision for credit losses	46,423	47,668
Personnel	37,820	38,597
Occupancy	6,375	6,288
Marketing	4,315	3,379
Other	11,938	11,059
Total general and administrative expenses	60,448	59,323
Interest expense	17,504	16,782
Income before income taxes	19,933	11,605
Income taxes	4,728	2,916
Net income	$ 15,205	$ 8,689
Net income per common share:
Basic	$ 1.59	$ 0.93
Diluted	$ 1.56	$ 0.90
Weighted-average common shares outstanding:
Basic	9,569,000	9,325,000
Diluted	9,746,000	9,622,000
Other comprehensive income, net of tax
Unrealized income on restricted available-for-sale investments	$ 195	$ 263
Other comprehensive income, before tax	195	263
Income taxes related to items of other comprehensive income	(42)	(55)
Other comprehensive income, net of tax	153	208
Total comprehensive income	$ 15,358	$ 8,897

RM Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash	$ 4,215	$ 4,509
Net finance receivables	1,744,286	1,771,410
Unearned insurance premiums	(45,675)	(47,892)
Allowance for credit losses	(187,100)	(187,400)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,511,511	1,536,118
Restricted cash	118,194	124,164
Lease assets	33,400	34,303
Restricted available-for-sale investments	22,596	22,740
Intangible assets	17,360	15,846
Deferred tax assets, net	13,491	13,641
Property and equipment	13,440	13,787
Other assets	22,541	29,419
Total assets	1,756,748	1,794,527
Liabilities:
Debt	1,358,795	1,399,814
Unamortized debt issuance costs	(3,948)	(4,578)
Net debt	1,354,847	1,395,236
Lease liabilities	35,679	36,576
Accounts payable and accrued expenses	29,762	40,442
Total liabilities	1,420,288	1,472,254
Commitments and contingencies (Note 11)
Stockholders’ equity:
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 14,675 shares issued and 9,868 shares outstanding at March 31, 2024 and 14,566 shares issued and 9,759 shares outstanding at December 31, 2023)	1,468	1,457
Additional paid-in capital	123,563	121,752
Retained earnings	361,791	349,579
Accumulated other comprehensive loss	(219)	(372)
Treasury stock (4,807 shares at March 31, 2024 and December 31, 2023)	(150,143)	(150,143)
Total stockholders’ equity	336,460	322,273
Total liabilities and stockholders’ equity	$ 1,756,748	$ 1,794,527

About Regional Management Corp

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally-managed direct mail campaigns, and digital partners, as well as its consumer website. The company was incorporated in 1987 and is headquartered in Greer, South Carolina.

CEO	Mr. Robert William Beck
WEBSITE	regionalmanagement.com
INDUSTRY	Credit Services
EMPLOYEES	1991

Regional Management Corp Frequently Asked Questions

What is the ticker symbol for Regional Management Corp? What does RM stand for in stocks?

RM is the stock ticker symbol of Regional Management Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Regional Management Corp (RM)?

As of Fri May 17 2024, market cap of Regional Management Corp is 293.52 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of RM stock?

You can check RM's fair value in chart for subscribers.

What is the fair value of RM stock?

You can check RM's fair value in chart for subscribers. The fair value of Regional Management Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Regional Management Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for RM so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Regional Management Corp a good stock to buy?

The fair value guage provides a quick view whether RM is over valued or under valued. Whether Regional Management Corp is cheap or expensive depends on the assumptions which impact Regional Management Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for RM.

What is Regional Management Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, RM's PE ratio (Price to Earnings) is 13.06 and Price to Sales (PS) ratio is 0.52. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. RM PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Regional Management Corp's stock?

In the past 10 years, Regional Management Corp has provided 0.084 (multiply by 100 for percentage) rate of return.