Regional Management Corp. RM
30.82
0.42
1.38%
as of 25 Sep
- Market cap
- $280.5M
- P/E
- 6.1×
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.05 | 10.17 | 7.94 | 7.60 | 12.24 | 6.51 | 5.31 | 15.50 | 7.94 | 8.19 |
P/S ratio |
1.32 | 1.12 | 0.91 | 0.96 | 0.87 | 1.35 | 0.53 | 0.45 | 0.56 | 0.57 |
P/FCF ratio |
3.55 | 2.90 | 2.01 | 2.27 | 2.04 | 3.17 | 1.26 | 1.05 | 1.30 | 1.25 |
P/Operating CF |
9.48 | 9.44 | 6.75 | 7.91 | 8.19 | 10.17 | 4.48 | 3.72 | 5.13 | 4.56 |
P/B ratio |
1.53 | 1.27 | 1.00 | 1.13 | 1.20 | 2.04 | 0.87 | 0.77 | 0.92 | 0.98 |
Price to Tangible BV |
1.57 | 1.33 | 1.04 | 1.17 | 1.24 | 2.11 | 0.91 | 0.81 | 0.99 | 1.07 |
EV/Sales |
3.30 | 3.11 | 2.87 | 3.05 | 2.72 | 3.56 | 2.92 | 2.75 | 2.83 | 2.96 |
EV/EBITDA |
12.14 | 11.87 | 10.00 | 11.45 | 14.10 | 10.91 | 15.39 | 17.18 | 13.10 | 13.34 |
EV/Operating CF |
7.91 | 7.35 | 6.03 | 6.86 | 6.16 | 8.06 | 6.61 | 6.08 | 6.19 | 6.18 |
EV/FCF |
8.89 | 8.09 | 6.32 | 7.19 | 6.37 | 8.37 | 6.97 | 6.39 | 6.62 | 6.54 |
Quick Ratio |
45.28 | 42.58 | 36.76 | 38.33 | 25.41 | 27.76 | 47.39 | 41.16 | 45.13 | 49.92 |
Current Ratio |
45.28 | 42.58 | 36.76 | 38.33 | 25.41 | 27.76 | 47.39 | 41.16 | 45.13 | 49.92 |
Net Debt/EBITDA |
7.30 | 7.61 | 6.82 | 7.83 | 9.57 | 6.78 | 12.60 | 14.35 | 10.52 | 10.79 |
Debt/Assets |
68.73% | 68.30% | 68.10% | 68.93% | 69.05% | 75.15% | 78.02% | 77.75% | 77.10% | 78.05% |
Debt/Equity |
2.36 | 2.37 | 2.33 | 2.64 | 2.80 | 3.88 | 4.36 | 4.33 | 4.12 | 4.40 |
Asset Turnover |
0.36 | 0.35 | 0.34 | 0.34 | 0.33 | 0.33 | 0.32 | 0.31 | 0.32 | 0.32 |
Operating CF/Net income |
4.17 | 3.85 | 4.14 | 3.54 | 6.17 | 2.13 | 4.38 | 15.61 | 6.52 | 6.96 |
Capex/Depreciation |
(1.71) | (1.44) | (0.77) | 1.67 | 3.23 | 1.66 | 3.62 | 1,207.00 | 11.27 | (32.28) |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 11.65% | 13.41% | 13.63% | 15.37% | 9.30% | 31.97% | 17.32% | 5.06% | 12.14% | 12.16% | |
| 3.59% | 3.89% | 3.96% | 4.23% | 2.36% | 6.92% | 3.22% | 0.91% | 2.23% | 2.21% | |
ROIC |
5.38% | 5.12% | 5.63% | 5.93% | 4.79% | 7.31% | 4.09% | 3.47% | 4.75% | 4.65% |
Return on Tangible Assets |
3.50% | 3.82% | 3.87% | 4.12% | 2.68% | 6.66% | 3.24% | 0.97% | 2.35% | 2.29% |
Average Days of Receivables |
1,026.67 | 1,029.59 | 1,040.05 | 1,069.83 | 929.05 | 1,038.82 | 1,057.60 | 1,016.84 | 1,020.24 | 1,055.20 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
49.32% | 48.06% | 45.74% | 44.13% | 47.16% | 45.64% | 43.87% | 44.09% | 42.09% | 39.90% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
Share Based Compensation of Revenue |
1.73% | 1.34% | 1.72% | 1.45% | 1.50% | 1.73% | 2.12% | 2.13% | 1.90% | 1.84% |
Graham Net Nets |
0.58 | 0.66 | 0.88 | 0.71 | 0.59 | 0.33 | 0.69 | 0.77 | 0.70 | 0.64 |
Graham Number |
28.45 | 34.75 | 40.41 | 48.58 | 36.97 | 74.82 | 63.81 | 36.32 | 59.73 | 64.90 |
Earnings Yield |
7.66% | 9.84% | 12.60% | 13.15% | 8.17% | 15.37% | 18.83% | 6.45% | 12.60% | 12.21% |
Free Cash Flow Yield |
28.20% | 34.48% | 49.76% | 44.06% | 48.91% | 31.59% | 79.12% | 95.20% | 76.79% | 79.92% |
Revenue per Share |
20.34 | 23.59 | 26.32 | 31.20 | 34.21 | 42.69 | 54.56 | 58.67 | 61.05 | 68.48 |
Operating CF per Share |
8.48 | 9.99 | 12.55 | 13.88 | 15.09 | 18.84 | 24.13 | 26.51 | 27.90 | 32.78 |
Capex per Share |
(0.93) | (0.91) | (0.58) | (0.64) | (0.49) | (0.68) | (1.23) | (1.28) | (1.80) | (1.81) |
Free Cash Flow per Share |
7.55 | 9.08 | 11.97 | 13.23 | 14.60 | 18.15 | 22.90 | 25.23 | 26.09 | 30.97 |
Cash per Share |
1.08 | 1.91 | 4.30 | 4.95 | 6.58 | 14.87 | 14.18 | 13.69 | 14.07 | 10.39 |
Shareholders Equity per Share |
17.55 | 20.73 | 23.95 | 26.56 | 24.90 | 28.18 | 33.20 | 34.29 | 37.04 | 39.57 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.55 | 20.73 | 23.95 | 26.56 | 24.90 | 28.18 | 33.20 | 34.29 | 37.04 | 39.57 |
Free Cash Flow |
89.22 | 104.87 | 139.49 | 150.84 | 159.63 | 182.15 | 212.92 | 237.10 | 251.54 | 291.99 |
Working Capital |
674.05 | 772.01 | 898.95 | 1,070.36 | 983.31 | 1,319.03 | 1,567.59 | 1,624.35 | 1,741.15 | 1,925.05 |
Capital Expenditures |
(11.01) | (10.56) | (6.80) | (7.35) | (5.35) | (6.86) | (11.41) | (12.07) | (17.39) | (17.08) |
Net Current Asset Value |
184.52 | 200.50 | 246.85 | 243.28 | 191.86 | 191.38 | 185.03 | 192.54 | 228.57 | 233.56 |
EV/EBIT |
13.47 | 13.23 | 11.11 | 10.94 | 13.78 | 10.60 | 14.90 | 17.17 | 12.94 | 13.39 |
Capex to Sales |
0.05 | 0.04 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 |
Net Profit Margin |
9.99% | 11.00% | 11.52% | 12.58% | 7.15% | 20.70% | 10.10% | 2.89% | 7.01% | 6.88% |
Price to Operating Income |
5.37 | 4.74 | 3.53 | 3.45 | 4.42 | 4.01 | 2.70 | 2.82 | 2.55 | 2.56 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.55 | 0.60 | 0.63 | (0.29) | (0.12) | (0.32) | (0.22) | 0.00 | (0.11) | 0.04 |
Cash ROIC |
12.48% | 12.46% | 13.50% | 12.34% | 13.65% | 11.52% | 11.75% | 12.75% | 12.99% | 14.00% |
Accounts Receivable Turnover |
0.38 | 0.38 | 0.37 | 0.37 | 0.38 | 0.39 | 0.38 | 0.37 | 0.37 | 0.37 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
633.76 | 722.54 | 821.25 | 958.28 | 997.16 | 1,085.42 | 1,344.35 | 1,502.85 | 1,590.54 | 1,755.69 |
Average Payables |
13.94 | 16.89 | 21.85 | 26.91 | 34.48 | 44.78 | 41.54 | 37.12 | 39.95 | 39.40 |
Average Assets |
669.30 | 770.85 | 892.94 | 1,057.47 | 1,131.20 | 1,281.76 | 1,592.32 | 1,759.76 | 1,851.82 | 2,006.52 |
Average Common Equity |
206.35 | 223.44 | 259.29 | 290.97 | 287.45 | 277.43 | 295.68 | 315.45 | 339.68 | 365.09 |
Columns are period end dates