Regional Management Net Income vs. Cash And Equivalents
| RM Stock | USD 34.10 0.13 0.38% |
Net Income | First Reported 2009-12-31 | Previous Quarter 8.4 M | Current Value 7.4 M | Quarterly Volatility 6.1 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.67 | 0.601 |
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| Net Profit Margin | 0.0275 | 0.0289 |
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| Operating Profit Margin | 0.12 | 0.1289 |
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| Pretax Profit Margin | 0.0358 | 0.0377 |
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| Return On Assets | 0.0084 | 0.0089 |
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| Return On Equity | 0.047 | 0.0495 |
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For Regional Management profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Regional Management to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Regional Management Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Regional Management's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Regional Management Corp over time as well as its relative position and ranking within its peers.
Regional |
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Regional Management. If investors know Regional will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Regional Management listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.17) | Dividend Share 1.2 | Earnings Share 2.37 | Revenue Per Share 58.139 | Quarterly Revenue Growth 0.036 |
The market value of Regional Management Corp is measured differently than its book value, which is the value of Regional that is recorded on the company's balance sheet. Investors also form their own opinion of Regional Management's value that differs from its market value or its book value, called intrinsic value, which is Regional Management's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Regional Management's market value can be influenced by many factors that don't directly affect Regional Management's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Regional Management's value and its price as these two are different measures arrived at by different means. Investors typically determine if Regional Management is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Regional Management's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Regional Management Corp Cash And Equivalents vs. Net Income Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Regional Management's current stock value. Our valuation model uses many indicators to compare Regional Management value to that of its competitors to determine the firm's financial worth. Regional Management Corp is rated below average in net income category among its peers. It is rated below average in cash and equivalents category among its peers creating about 0.82 of Cash And Equivalents per Net Income. The ratio of Net Income to Cash And Equivalents for Regional Management Corp is roughly 1.23 . At this time, Regional Management's Net Income is very stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Regional Management by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Regional Cash And Equivalents vs. Net Income
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Regional Management |
| = | 15.96 M |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Cash or Cash Equivalents are the most liquid of all assets found on the company's balance sheet. It is used in calculating many of the firm's liquidity ratios and is a good indicator of the overall financial health of a company. Companies with a lot of cash are usually attractive takeover targets. Cash Equivalents are balance sheet items that are typically reported using currency printed on notes.
Regional Management |
| = | 13.01 M |
Cash equivalents represent current assets that are easily convertible to cash such as short term bonds, savings account, money market funds, or certificate of deposits (CDs). One of the important consideration companies make when classifying assets as cash equivalent is that investments they report on their balance sheets under current assets should have almost no risk of change in value over the next few months (usually three months).
Regional Cash And Equivalents Comparison
Regional Management is currently under evaluation in cash and equivalents category among its peers.
Regional Management Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Regional Management, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Regional Management will eventually generate negative long term returns. The profitability progress is the general direction of Regional Management's change in net profit over the period of time. It can combine multiple indicators of Regional Management, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -372 K | -390.6 K | |
| Operating Income | 71.1 M | 65.3 M | |
| Income Before Tax | 20.8 M | 19.7 M | |
| Total Other Income Expense Net | -50.3 M | -52.8 M | |
| Net Income | 16 M | 15.2 M | |
| Income Tax Expense | 4.8 M | 4.6 M | |
| Net Income Applicable To Common Shares | 58.9 M | 36.4 M | |
| Net Income From Continuing Ops | 16 M | 15.2 M | |
| Interest Income | 489.7 M | 254.5 M | |
| Net Interest Income | 422.2 M | 335.7 M | |
| Non Operating Income Net Other | -667.8 K | -701.2 K | |
| Change To Netincome | 230.9 M | 242.5 M | |
| Net Income Per Share | 1.70 | 2.27 | |
| Income Quality | 15.61 | 16.39 | |
| Net Income Per E B T | 0.77 | 0.56 |
Regional Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Regional Management. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Regional Management position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Regional Management's important profitability drivers and their relationship over time.
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Check out Your Equity Center. You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
To fully project Regional Management's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Regional Management Corp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Regional Management's income statement, its balance sheet, and the statement of cash flows.