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Regional Management Corp. RM

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Price alert · RM

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36.30 USD +0.04 +0.11%

At close · Oct 30

36.30 0.00 0.00%

After hours · Oct 30, 5:44 PM ET

Bid
35.74 × 300
Ask
36.35 × 100
35.45 Day range 36.64
30.23 52-week range 43.50
YTD
-6.32%
1 year
-7.21%
Open
36.13
Prev close
36.26
Mkt cap
333.49M
Vol
100.78K
Avg vol
93.05K
EPS
4.93
P/E
7.36
Div yield
3.54%
More statistics
Low
35.45
High
36.64
Forward P/E
5.79
Beta
1.53
Short ratio
9.85
Inst. own
79.50%
Dividend
1.20
Ex-div date
Nov 20, 2024
Earnings
Feb 5, 2025
50-d avg
31.14
200-d avg
29.26
1y target
37.00

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Financial health

Altman Z-Score

0.92 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 8.4×
FY 2016: 12.9×FY 2017: 10.2×FY 2018: 7.9×FY 2019: 7.7×FY 2020: 12.2×FY 2021: 6.5×FY 2022: 5.1×FY 2023: 14.8×FY 2024: 7.9×FY 2025: 8.4×
FY 2016 5y median 7.9× FY 2025
P/S 0.6×
FY 2016: 1.3×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
P/B 1.0×
FY 2016: 1.5×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 1.2×FY 2021: 2.0×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF 1.3×
FY 2016: 3.5×FY 2017: 2.9×FY 2018: 2.0×FY 2019: 2.2×FY 2020: 2.0×FY 2021: 3.2×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 1.2× FY 2025
EV/EBITDA 20.9×
FY 2016: 17.5×FY 2017: 18.2×FY 2018: 17.0×FY 2019: 16.7×FY 2020: 22.5×FY 2021: 13.6×FY 2022: 21.0×FY 2023: 47.0×FY 2024: 26.9×FY 2025: 20.9×
FY 2016 5y median 21.0× FY 2025
EV/Sales 3.1×
FY 2016: 3.3×FY 2017: 3.2×FY 2018: 3.0×FY 2019: 3.3×FY 2020: 3.0×FY 2021: 4.0×FY 2022: 3.2×FY 2023: 3.0×FY 2024: 3.1×FY 2025: 3.1×
FY 2016 5y median 3.1× FY 2025
FCF Yield 75.9%
FY 2016: 28.5%FY 2017: 34.3%FY 2018: 49.8%FY 2019: 46.0%FY 2020: 51.1%FY 2021: 31.6%FY 2022: 81.6%FY 2023: 100.6%FY 2024: 80.6%FY 2025: 75.9%
FY 2016 5y median 80.6% FY 2025

Profitability

Gross Margin 52.3%
FY 2016: 65.5%FY 2017: 62.8%FY 2018: 60.7%FY 2019: 60.7%FY 2020: 56.8%FY 2021: 71.9%FY 2022: 56.8%FY 2023: 47.9%FY 2024: 51.3%FY 2025: 52.3%
FY 2016 5y median 52.3% FY 2025
Operating Margin 12.4%
FY 2016: 16.2%FY 2017: 14.8%FY 2018: 15.0%FY 2019: 16.6%FY 2020: 9.6%FY 2021: 26.3%FY 2022: 12.9%FY 2023: 3.8%FY 2024: 9.2%FY 2025: 12.4%
FY 2016 5y median 12.4% FY 2025
Net Margin 6.9%
FY 2016: 10.0%FY 2017: 11.0%FY 2018: 11.5%FY 2019: 12.6%FY 2020: 7.1%FY 2021: 20.7%FY 2022: 10.1%FY 2023: 2.9%FY 2024: 7.0%FY 2025: 6.9%
FY 2016 5y median 7.0% FY 2025
ROE 11.9%
FY 2016: 11.6%FY 2017: 12.5%FY 2018: 12.7%FY 2019: 14.8%FY 2020: 9.8%FY 2021: 31.4%FY 2022: 16.6%FY 2023: 5.0%FY 2024: 11.5%FY 2025: 11.9%
FY 2016 5y median 11.9% FY 2025
ROIC 2.8%
FY 2016: -5.6%FY 2017: -6.3%FY 2018: 3.7%FY 2019: 3.9%FY 2020: 2.4%FY 2021: 6.1%FY 2022: 3.0%FY 2023: 0.9%FY 2024: 2.2%FY 2025: 2.8%
FY 2016 5y median 2.8% FY 2025
ROA 2.0%
FY 2016: 3.4%FY 2017: 3.6%FY 2018: 3.7%FY 2019: 3.9%FY 2020: 2.4%FY 2021: 6.1%FY 2022: 3.0%FY 2023: 0.9%FY 2024: 2.2%FY 2025: 2.0%
FY 2016 5y median 2.2% FY 2025

Growth (YoY)

Revenue 9.7%
FY 2016: 10.7%FY 2017: 13.3%FY 2018: 12.6%FY 2019: 16.0%FY 2020: 5.1%FY 2021: 14.6%FY 2022: 18.4%FY 2023: 8.7%FY 2024: 6.7%FY 2025: 9.7%
FY 2016 FY 2025
Operating Income 48.6%
FY 2016: 2.1%FY 2017: 3.4%FY 2018: 14.0%FY 2019: 28.5%FY 2020: -39.1%FY 2021: 213.1%FY 2022: -41.9%FY 2023: -68.2%FY 2024: 160.2%FY 2025: 48.6%
FY 2016 FY 2025
EPS (diluted) 7.5%
FY 2016: 11.2%FY 2017: 27.6%FY 2018: 15.4%FY 2019: 29.7%FY 2020: -36.8%FY 2021: 247.1%FY 2022: -36.4%FY 2023: -68.7%FY 2024: 149.4%FY 2025: 7.5%
FY 2016 FY 2025
Free Cash Flow 10.7%
FY 2016: 13.4%FY 2017: 17.9%FY 2018: 33.7%FY 2019: 13.0%FY 2020: 5.8%FY 2021: 9.2%FY 2022: 16.9%FY 2023: 11.4%FY 2024: 11.3%FY 2025: 10.7%
FY 2016 FY 2025

Financial Health

Current Ratio 8.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 8.4×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 8.4×
FY 2016: 0.0×FY 2017: 1.7×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 8.4×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 4.6×
FY 2016: 2.4×FY 2017: 2.4×FY 2018: 2.3×FY 2019: 2.7×FY 2020: 2.9×FY 2021: 4.0×FY 2022: 4.5×FY 2023: 4.4×FY 2024: 4.2×FY 2025: 4.6×
FY 2016 5y median 4.4× FY 2025
Net Debt / EBITDA 16.9×
FY 2016: 10.7×FY 2017: 11.8×FY 2018: 11.8×FY 2019: 11.8×FY 2020: 15.9×FY 2021: 9.0×FY 2022: 17.7×FY 2023: 40.3×FY 2024: 22.1×FY 2025: 16.9×
FY 2016 5y median 17.7× FY 2025
Interest Coverage 0.9×
FY 2016: 2.0×FY 2017: 1.7×FY 2018: 1.4×FY 2019: 1.5×FY 2020: 0.9×FY 2021: 3.6×FY 2022: 1.9×FY 2023: 0.3×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 3.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.7%FY 2021: 1.7%FY 2022: 4.3%FY 2023: 5.0%FY 2024: 3.7%FY 2025: 3.0%
FY 2016 5y median 3.7% FY 2025
Payout Ratio 25.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 8.3%FY 2021: 10.8%FY 2022: 22.2%FY 2023: 74.5%FY 2024: 29.5%FY 2025: 25.9%
FY 2016 5y median 25.9% FY 2025

Annual · latest fiscal year ends 2025-12-31