Stock RM REGIONAL MANAGEMENT CORP.
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Financials Regional Management Corp.

Equities

RM

US75902K1060

Consumer Lending

Real-time Estimate Cboe BZX
Other stock markets
 11:45:10 2024-06-03 am EDT 		5-day change 1st Jan Change
28.06 USD +2.04% Intraday chart for Regional Management Corp. +2.66% +12.65%
May. 01 Transcript : Regional Management Corp., Q1 2024 Earnings Call, May 01, 2024
May. 01 Earnings Flash (RM) REGIONAL MANAGEMENT Posts Q1 Revenue $144.3M, vs. Street Est of $140M MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 331.1 338.5 569.5 269.2 246.7 272.1 -
Enterprise Value (EV) 1 331.1 338.5 569.5 269.2 246.7 272.1 272.1
P/E ratio 7.9 x 12.4 x 6.9 x 5.3 x 15.1 x 6.44 x 4.66 x
Yield - 0.67% 1.65% 4.27% 4.78% 4.36% 4.36%
Capitalization / Revenue 0.93 x 0.91 x 1.33 x 0.53 x 0.45 x 0.46 x 0.43 x
EV / Revenue 0.93 x 0.91 x 1.33 x 0.53 x 0.45 x 0.46 x 0.43 x
EV / EBITDA - - 3.66 x 2.36 x - 2.04 x 1.68 x
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.09 x 1.2 x 1.99 x 0.87 x 0.76 x 0.76 x 0.67 x
Nbr of stocks (in thousands) 11,027 11,336 9,912 9,586 9,835 9,896 -
Reference price 2 30.03 29.86 57.46 28.08 25.08 27.50 27.50
Announcement Date 2/25/20 2/10/21 2/9/22 2/8/23 2/7/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 355.7 373.9 428.4 507.2 551.4 586.8 626.7
EBITDA 1 - - 155.5 114.1 - 133.2 161.6
EBIT 1 99.12 73.78 143.8 101.4 88.25 129.3 146.7
Operating Margin 27.86% 19.73% 33.58% 19.99% 16% 22.04% 23.41%
Earnings before Tax (EBT) 1 58.99 35.93 112.5 65.32 20.78 57.22 80.56
Net income 1 44.73 26.73 88.69 51.22 15.96 41.76 54.48
Net margin 12.58% 7.15% 20.7% 10.1% 2.89% 7.12% 8.69%
EPS 2 3.800 2.400 8.330 5.300 1.660 4.272 5.902
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.2000 0.9500 1.200 1.200 1.200 1.200
Announcement Date 2/25/20 2/10/21 2/9/22 2/8/23 2/7/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 119.5 120.8 122.9 131.5 132 135.4 133.5 140.9 141.7 144.3 142.7 148.4 151.4 155.1 153.7
EBITDA 1 36.13 38.13 26.35 - - - 27.6 - - - 25.74 33.08 36.88 41.8 41.74
EBIT 1 32.94 34.89 23.35 25.22 17.94 28.39 24.04 27.84 7.978 37.44 26.22 33.76 31.89 35.32 37.57
Operating Margin 27.57% 28.87% 19% 19.18% 13.59% 20.97% 18.01% 19.76% 5.63% 25.94% 18.37% 22.75% 21.07% 22.77% 24.44%
Earnings before Tax (EBT) 1 25.35 34.95 15.79 13.35 1.232 11.6 7.813 10.9 -9.532 19.93 7.541 15.37 14.35 16.98 19.45
Net income 1 20.78 26.78 11.98 10.07 2.391 8.689 6.023 8.82 -7.574 15.2 5.736 10.79 10 12.9 14.78
Net margin 17.39% 22.16% 9.75% 7.66% 1.81% 6.42% 4.51% 6.26% -5.35% 10.54% 4.02% 7.27% 6.61% 8.32% 9.62%
EPS 2 2.040 2.670 1.240 1.060 0.2500 0.9000 0.6300 0.9100 -0.8000 1.560 0.5900 1.105 1.022 1.507 1.520
Dividend per Share 2 0.2500 0.3000 0.3000 0.3000 0.3000 0.3000 0.3000 - 0.3000 - 0.3000 0.3000 0.3000 0.3000 0.3000
Announcement Date 2/9/22 5/4/22 8/3/22 11/1/22 2/8/23 5/3/23 8/2/23 11/1/23 2/7/24 5/1/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 15.4% 10% 31.6% 17.3% 5% 12.1% 14.3%
ROA (Net income/ Total Assets) 4.3% 2.5% 7.2% 3.22% 0.9% 2.25% 2.77%
Assets 1 1,040 1,069 1,232 1,592 1,773 1,858 1,969
Book Value Per Share 2 27.50 24.90 28.90 32.40 33.00 36.20 41.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/25/20 2/10/21 2/9/22 2/8/23 2/7/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Regional Management Corp.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
27.5 USD
Average target price
30.33 USD
Spread / Average Target
+10.30%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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