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Regional Management Corp

Financial Services US RM

35.58USD
-0.35(0.97%)

Last update at 2026-06-08T20:00:00Z

Day Range

35.1236.20
LowHigh

52 Week Range

20.6436.67
LowHigh

Fundamentals

  • Previous Close 35.93
  • Market Cap266.72M
  • Volume48047
  • P/E Ratio9.90
  • Dividend Yield4.42%
  • EBITDA110.89M
  • Revenue TTM525.24M
  • Revenue Per Share TTM56.25
  • Gross Profit TTM 309.24M
  • Diluted EPS TTM2.74

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 65.32M 112.47M 35.93M 58.99M 45.90M
Minority interest - - - - -
Net income 51.22M 88.69M 26.73M 44.73M 35.34M
Selling general administrative 183.34M 156.98M 143.33M 124.16M 110.02M
Selling and marketing expenses 15.38M 14.40M 10.36M 8.21M 7.75M
Gross profit 307.91M 397.00M 336.05M 315.59M 273.24M
Reconciled depreciation 12.69M 11.65M 13.31M 10.86M 8.80M
Ebit 99.54M 112.47M 35.93M 58.99M 79.37M
Ebitda 112.23M 124.13M 49.24M 69.85M 88.17M
Depreciation and amortization 12.69M 11.65M 13.31M 10.86M 8.80M
Non operating income net other -0.74200M - - - -
Operating income 99.54M 112.47M 35.93M 58.99M 79.37M
Other operating expenses 402.96M 284.53M 300.13M 256.60M 227.00M
Interest expense 34.22M 31.35M 37.85M 40.12M 33.46M
Tax provision 14.10M 23.79M 9.20M 14.26M 10.56M
Interest income 34.22M 382.54M 335.21M 321.17M 33.46M
Net interest income 416.63M 351.19M 297.36M 281.04M 246.66M
Extraordinary items - - - - 0.00000M
Non recurring 185.12M 89.02M 123.81M 99.61M 87.06M
Other items - - - - -
Income tax expense 14.10M 23.79M 9.20M 14.26M 10.56M
Total revenue 472.96M 397.00M 336.05M 315.59M 273.24M
Total operating expenses 237.91M -284.52900M -300.12600M -256.59500M 227.00M
Cost of revenue 165.05M - - 99.61M 87.06M
Total other income expense net -34.22300M -31.34900M -37.85200M -40.12500M -33.46400M
Discontinued operations - - - - -
Net income from continuing ops 51.22M 88.69M 26.73M 44.73M 35.34M
Net income applicable to common shares 51.22M 88.69M 26.73M 44.73M 35.34M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 1724.99M 1459.66M 1103.86M 1158.54M 956.39M
Intangible assets 11.41M 8.80M 8.69M 9.44M 10.01M
Earning assets - - - - -
Other current assets 127.93M -10.50700M -1136.25900M -3.91400M -3.31900M
Total liab 1416.35M 1176.93M 831.73M 855.76M 677.23M
Total stockholder equity 308.63M 282.74M 272.12M 302.78M 279.16M
Deferred long term liab - - - - 0.75M
Other current liab -128.01200M -240.27100M -325.00100M -393.07200M -328.81200M
Common stock 1.43M 1.42M 1.39M 1.35M 1.33M
Capital stock 1.43M 1.42M 1.39M 1.35M 1.33M
Retained earnings 345.55M 306.11M 227.34M 248.83M 204.10M
Other liab - - - - 0.75M
Good will 0.72M 0.72M 0.72M 0.72M 0.72M
Other assets 1625.72M 1395.25M 1042.37M 1103.25M 1.03M
Cash 3.87M 10.51M 8.05M 2.26M 3.66M
Cash and equivalents - - - - -
Total current liabilities 70.51M 240.27M 325.00M 393.07M 25.89M
Current deferred revenue - - - - -
Net debt 1543.41M 1117.14M 783.40M 824.82M 647.69M
Short term debt 164.72M 240.27M 325.00M 393.07M 354.70M
Short long term debt 164.72M 240.27M 325.00M 393.07M 13.95M
Short long term debt total 1547.28M 1127.64M 791.45M 827.08M 651.35M
Other stockholder equity -37.75900M -24.78500M 43.40M 52.60M 93.52M
Property plant equipment 49.05M 41.66M 14.46M 15.30M 13.93M
Total current assets 24.29M 13.23M 11.22M 4.12M 3.66M
Long term investments 1469.59M 1219.12M 951.71M 1042.61M 873.94M
Net tangible assets 296.51M 273.22M 263.43M 293.35M 269.15M
Short term investments 20.42M - - - -
Net receivables 13.72M 2.73M 3.17M 1.85M 2.29M
Long term debt 1345.85M 1096.94M 762.25M 798.61M 651.35M
Inventory - - - - 1.03M
Accounts payable 33.80M 49.28M 40.28M 28.68M 25.14M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -0.58600M - - -21.99400M -19.78300M
Additional paid in capital - - - - -
Common stock total equity 1.43M 1.42M 1.39M 1.35M 1.33M
Preferred stock total equity - - - - -
Retained earnings total equity 345.55M 306.11M 227.34M 248.83M 204.10M
Treasury stock -150.14300M -129.53000M -62.08800M -50.07400M -25.04600M
Accumulated amortization - - - - -
Non currrent assets other 83.14M -51.17600M -50.26300M -51.17700M 927.77M
Deferred long term asset charges - - - - -
Non current assets total 74.98M 51.18M 50.26M 51.18M 951.71M
Capital lease obligations 36.71M 30.70M 29.20M 28.47M -
Long term debt total 1345.85M 1096.94M 762.25M 798.61M 651.35M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -435.88600M -348.19700M -93.01100M -268.28100M -192.44600M
Change to liabilities -11.47100M 23.45M 11.14M 3.28M 4.72M
Total cashflows from investing activities -447.29400M -355.05800M -98.80900M -275.62900M -199.24400M
Net borrowings 240.53M 330.20M -42.47900M 142.82M 81.78M
Total cash from financing activities 205.57M 243.36M -58.32400M 116.85M 81.08M
Change to operating activities -13.05900M -8.54900M -9.11800M 2.46M 7.31M
Net income 51.22M 88.69M 26.73M 44.73M 35.34M
Change in cash -17.39000M 77.31M 15.45M 6.29M 28.12M
Begin period cash flow 149.19M 71.88M 56.43M 50.14M 22.02M
End period cash flow 131.80M 149.19M 71.88M 56.43M 50.14M
Total cash from operating activities 224.33M 189.01M 172.58M 165.06M 146.28M
Issuance of capital stock - - - - -
Depreciation 12.69M 11.65M 13.31M 10.86M 8.80M
Other cashflows from investing activities -5.53400M -3.27300M -1.41500M -1.54400M -1.44600M
Dividends paid 11.35M 9.54M 2.20M 2.20M 2.20M
Change to inventory - - - - -
Change to account receivables 3.17M 13.29M -93.01100M 9.65M 9.65M
Sale purchase of stock -20.61300M -67.44200M -12.01400M -25.02800M 0.00000M
Other cashflows from financing activities 2257.48M -18.77700M -4.80500M 163.52M 272.74M
Change to netincome 200.79M 89.56M 130.53M 103.73M 90.11M
Capital expenditures 11.41M 6.86M 5.80M 7.41M 6.80M
Change receivables - - - - -
Cash flows other operating -13.05900M -8.54900M -9.11800M 2.46M 7.31M
Exchange rate changes - - - - -
Cash and cash equivalents changes -17.39000M 77.31M 15.45M 6.29M 28.12M
Change in working capital -24.53000M 14.90M 2.02M 5.74M 12.03M
Stock based compensation 10.77M 7.40M 5.60M 5.15M 6.91M
Other non cash items 169.41M 70.68M 124.25M 99.95M 87.41M
Free cash flow 212.92M 182.15M 166.78M 157.66M 139.49M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
RM
Regional Management Corp		 -0.35 0.97% 35.58 9.90 6.04 0.48 0.76
V
Visa Inc. Class A		 -3.9 1.21% 319.67 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -5.41 1.10% 485.67 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 8.10 2.59% 320.40 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -0.28 0.15% 180.39 61.36 10.04 3.84 1.12 3.02

Reports Covered

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Profile

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.

Regional Management Corp

979 Batesville Road, Greer, SC, United States, 29651

Key Executives

Name Title Year Born
Mr. Robert William Beck Pres, CEO & Director 1964
Ms. Harpreet Rana Exec. VP & CFO 1972
Mr. John D. Schachtel Exec. VP & COO 1961
Mr. Brian J. Fisher Exec. VP and Chief Strategy & Devel. Officer 1984
Mr. Manish Parmar Exec. VP & Chief Credit Risk Officer 1978
Mr. Steven B. Barnette VP, Corp. Controller & Principal Accounting Officer 1980
Ms. Catherine R Atwood Sr. VP, Gen. Counsel & Sec. 1983
Mr. Chris Peterson Chief Data & Analytics Officer NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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