Regional Management Corp Stock Today

RM Stock  USD 32.77  1.50  4.38%   

Performance

OK

 
Weak
 
Strong

Odds Of Distress

Very Low

 
High
 
Low
Regional Management is selling at 32.77 as of the 25th of February 2025; that is 4.38% down since the beginning of the trading day. The stock's lowest day price was 32.49. Regional Management has under 5 % chance of experiencing financial distress over the next 2 years but had a somewhat ok performance during the last 90 days. The performance scores are derived for the period starting the 27th of November 2024 and ending today, the 25th of February 2025. Click here to learn more.
Business Domain
Financial Services
IPO Date
28th of March 2012
Classification
Financials
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. The company has 10.01 M outstanding shares of which 243.97 K shares are at this time sold short in the market by investors with about 4.53 days to cover all shorted shares. More on Regional Management Corp

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Follow Valuation Options Odds of Bankruptcy
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Regional Stock Highlights

ESG Sustainability
Environmental
Governance
Social
ChairmanCarlos Palomares
Thematic IdeaBanking (View all Themes)
Old NameRoutemaster Capital Inc
Business ConcentrationConsumer Finance, Financial Services, NYSE Composite, Banking, Financials, Consumer Finance, Credit Services, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.02030.0213
Notably Down
Slightly volatile
Asset Turnover0.330.3083
Notably Up
Pretty Stable
Gross Profit Margin0.680.9561
Way Down
Very volatile
Total Current Liabilities250 M451 M
Way Down
Very volatile
Non Current Liabilities Total640.5 M1.1 B
Way Down
Slightly volatile
Total Assets1.1 B1.9 B
Way Down
Slightly volatile
Total Current Assets3.8 MM
Notably Down
Pretty Stable
Total Cash From Operating Activities140.4 M268.9 M
Way Down
Slightly volatile
Debt Levels
Regional Management can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Regional Management's financial leverage. It provides some insight into what part of Regional Management's total assets is financed by creditors.
Liquidity
Regional Management Corp reports 315.47 M of total liabilities with total debt to equity ratio (D/E) of 4.07, which implies that the company may not be able to produce enough cash to satisfy its debt commitments. Regional Management Corp has a current ratio of 41.68, indicating that it is in good position to pay out its debt commitments in time. Note however, debt could still be an excellent tool for Regional to invest in growth at high rates of return.

Depreciation

8.09 Million
Regional Management Corp (RM) is traded on New York Stock Exchange in USA. It is located in 979 Batesville Road, Greer, SC, United States, 29651 and employs 2,131 people. Regional Management is listed under Consumer Finance category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a market capitalization of 328.93 M. Regional Management Corp is active under Consumer Finance sector as part of Financials industry. The entity has 10.01 M outstanding shares of which 243.97 K shares are at this time sold short in the market by investors with about 4.53 days to cover all shorted shares. Regional Management Corp reports about 13.01 M in cash with 268.93 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 1.36.
Check Regional Management Probability Of Bankruptcy
Ownership Allocation
The market capitalization of Regional Management Corp is $328.93 Million. The majority of Regional Management Corp outstanding shares are owned by third-party entities. These institutional holders are usually referred to as non-private investors looking to secure positions in Regional Management Corp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Regional Management. Please pay attention to any change in the institutional holdings of Regional Management Corp as this could imply that something significant has changed or is about to change at the company. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Check Regional Ownership Details

Regional Stock Institutional Holders

InstituionRecorded OnShares
American Century Companies Inc2024-12-31
134.7 K
Goldman Sachs Group Inc2024-12-31
133.6 K
Bank Of New York Mellon Corp2024-12-31
100.2 K
Bridgeway Capital Management, Llc2024-12-31
100.2 K
Northern Trust Corp2024-12-31
91.1 K
Morgan Stanley - Brokerage Accounts2024-12-31
56.1 K
Charles Schwab Investment Management Inc2024-12-31
50.4 K
Ubs Group Ag2024-12-31
45.3 K
Empowered Funds, Llc2024-12-31
43.7 K
Blackrock Inc2024-12-31
1.5 M
Forager Capital Management, Llc2024-12-31
1.1 M
View Regional Management Diagnostics

Regional Management Historical Income Statement

At this time, Regional Management's EBITDA is very stable compared to the past year. As of the 25th of February 2025, Total Operating Expenses is likely to grow to about 280 M, while Total Revenue is likely to drop about 296.3 M. View More Fundamentals

Regional Stock Against Markets

Regional Management Corporate Directors

Jonathan BrownIndependent DirectorProfile
Michael DunnIndependent DirectorProfile
Steven FreibergIndependent DirectorProfile
Maria ContrerasSweetIndependent DirectorProfile
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
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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
4.14
Revenue Per Share
59.086
Quarterly Revenue Growth
0.094
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.