Regional Management Corp.
General ticker "RM" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $325.9M (TTM average)
Regional Management Corp. follows the US Stock Market performance with the rate: 62.4%.
Estimated limits based on current volatility of 1.4%: low 37.07$, high 38.09$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-08-20, amount 0.30$ (Y3.23%)
- Total employees count: 2131 as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Economic downturns and volatility, IT system failures, Strategic risks and growth management, Regulatory and compliance
- Price in estimated range
- Earnings for 9 months up through Q3 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [27.17$, 45.08$]
- 2025-12-31 to 2026-12-31 estimated range: [26.32$, 44.64$]
Financial Metrics affecting the RM estimates:
- Positive: with PPE of 7.3 at the end of fiscal year the price was neutral
- Positive: 7.86 < Operating profit margin, % of 9.19
- Positive: Operating cash flow per share per price, % of 83.33 > 13.24
- Negative: Shareholder equity ratio, % of 18.70 <= 18.93
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.33
- Positive: 0 < Industry earnings per price (median), % of 3.52
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
- Negative: Investing cash flow per share per price, % of -97.72 <= -14.38
- Positive: 1.87 < Return on assets ratio (scaled to [-100,100]) of 2.11
- Negative: Interest expense per share per price, % of 23.09 > 3.41
- Positive: Industry operating profit margin (median), % of 12.35 > 9.92
Short-term RM quotes
Long-term RM plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $507.19MM | $551.40MM | $588.50MM |
| Operating Expenses | $441.87MM | $530.62MM | $534.43MM |
| Operating Income | $65.32MM | $20.78MM | $54.08MM |
| Interest Expense | $34.22MM | $67.46MM | $74.53MM |
| Income(Loss) | $65.32MM | $20.78MM | $54.08MM |
| Taxes | $14.10MM | $4.83MM | $12.85MM |
| Profit(Loss)* | $51.22MM | $15.96MM | $41.23MM |
| Stockholders Equity | $308.63MM | $322.27MM | $357.08MM |
| Assets | $1,724.99MM | $1,794.53MM | $1,909.11MM |
| Operating Cash Flow | $224.33MM | $249.17MM | $268.93MM |
| Capital expenditure | $11.41MM | $12.07MM | $5.05MM |
| Investing Cash Flow | $-447.29MM | $-278.72MM | $-315.37MM |
| Financing Cash Flow | $205.57MM | $26.43MM | $53.41MM |
| Earnings Per Share** | $5.51 | $1.70 | $4.28 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.