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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Dividend Champion (5y) Cash Flow Champion (10y) Revenue Champion (10y) Insider Buys (last 12m)

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Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	13.05	10.17	7.94	7.60	12.24	6.51	5.31	15.50	7.94	8.19
P/S ratio Full definition →	1.32	1.12	0.91	0.96	0.87	1.35	0.53	0.45	0.56	0.57
P/FCF ratio Full definition →	3.55	2.90	2.01	2.27	2.04	3.17	1.26	1.05	1.30	1.25
P/Operating CF Full definition →	9.48	9.44	6.75	7.91	8.19	10.17	4.48	3.72	5.13	4.56
P/B ratio Full definition →	1.53	1.27	1.00	1.13	1.20	2.04	0.87	0.77	0.92	0.98
Price to Tangible BV Full definition →	1.57	1.33	1.04	1.17	1.24	2.11	0.91	0.81	0.99	1.07
EV/Sales Full definition →	3.30	3.11	2.87	3.05	2.72	3.56	2.92	2.75	2.83	2.96
EV/EBITDA Full definition →	12.14	11.87	10.00	11.45	14.10	10.91	15.39	17.18	13.10	13.34
EV/Operating CF Full definition →	7.91	7.35	6.03	6.86	6.16	8.06	6.61	6.08	6.19	6.18
EV/FCF Full definition →	8.89	8.09	6.32	7.19	6.37	8.37	6.97	6.39	6.62	6.54
Quick Ratio Full definition →	45.28	42.58	36.76	38.33	25.41	27.76	47.39	41.16	45.13	49.92
Current Ratio Full definition →	45.28	42.58	36.76	38.33	25.41	27.76	47.39	41.16	45.13	49.92
Net Debt/EBITDA Full definition →	7.30	7.61	6.82	7.83	9.57	6.78	12.60	14.35	10.52	10.79
Debt/Assets Full definition →	68.73%	68.30%	68.10%	68.93%	69.05%	75.15%	78.02%	77.75%	77.10%	78.05%
Debt/Equity Full definition →	2.36	2.37	2.33	2.64	2.80	3.88	4.36	4.33	4.12	4.40
Asset Turnover Full definition →	0.36	0.35	0.34	0.34	0.33	0.33	0.32	0.31	0.32	0.32
Operating CF/Net income Full definition →	4.17	3.85	4.14	3.54	6.17	2.13	4.38	15.61	6.52	6.96
Capex/Depreciation Full definition →	(1.71)	(1.44)	(0.77)	1.67	3.23	1.66	3.62	1,207.00	11.27	(32.28)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	11.65%	13.41%	13.63%	15.37%	9.30%	31.97%	17.32%	5.06%	12.14%	12.16%
ROA Full definition →	3.59%	3.89%	3.96%	4.23%	2.36%	6.92%	3.22%	0.91%	2.23%	2.21%
ROIC Full definition →	5.38%	5.12%	5.63%	5.93%	4.79%	7.31%	4.09%	3.47%	4.75%	4.65%
Return on Tangible Assets Full definition →	3.50%	3.82%	3.87%	4.12%	2.68%	6.66%	3.24%	0.97%	2.35%	2.29%
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	1.73%	1.34%	1.72%	1.45%	1.50%	1.73%	2.12%	2.13%	1.90%	1.84%
Graham Net Nets Full definition →	0.58	0.66	0.88	0.71	0.59	0.33	0.69	0.77	0.70	0.64
Graham Number Full definition →	28.45	34.75	40.41	48.58	36.97	74.82	63.81	36.32	59.73	64.90
Earnings Yield Full definition →	7.66%	9.84%	12.60%	13.15%	8.17%	15.37%	18.83%	6.45%	12.60%	12.21%
Free Cash Flow Yield Full definition →	28.20%	34.48%	49.76%	44.06%	48.91%	31.59%	79.12%	95.20%	76.79%	79.92%
Revenue per Share Full definition →	20.34	23.59	26.32	31.20	34.21	42.69	54.56	58.67	61.05	68.48
Operating CF per Share Full definition →	8.48	9.99	12.55	13.88	15.09	18.84	24.13	26.51	27.90	32.78
Capex per Share Full definition →	(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 Full definition →	7.55	9.08	11.97	13.23	14.60	18.15	22.90	25.23	26.09	30.97
Cash per Share Full definition →	1.08	1.91	4.30	4.95	6.58	14.87	14.18	13.69	14.07	10.39
Shareholders Equity per Share Full definition →	17.55	20.73	23.95	26.56	24.90	28.18	33.20	34.29	37.04	39.57
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	17.55	20.73	23.95	26.56	24.90	28.18	33.20	34.29	37.04	39.57
Free Cash Flow Full definition →	89.22	104.87	139.49	150.84	159.63	182.15	212.92	237.10	251.54	291.99
Working Capital Full definition →	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 Full definition →	(11.01)	(10.56)	(6.80)	(7.35)	(5.35)	(6.86)	(11.41)	(12.07)	(17.39)	(17.08)
Net Current Asset Value Full definition →	184.52	200.50	246.85	243.28	191.86	191.38	185.03	192.54	228.57	233.56
EV/EBIT Full definition →	13.47	13.23	11.11	10.94	13.78	10.60	14.90	17.17	12.94	13.39
Capex to Sales Full definition →	0.05	0.04	0.02	0.02	0.01	0.02	0.02	0.02	0.03	0.03
Net Profit Margin Full definition →	9.99%	11.00%	11.52%	12.58%	7.15%	20.70%	10.10%	2.89%	7.01%	6.88%
Price to Operating Income Full definition →	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 Full definition →	0.55	0.60	0.63	(0.29)	(0.12)	(0.32)	(0.22)	0.00	(0.11)	0.04
Cash ROIC Full definition →	12.48%	12.46%	13.50%	12.34%	13.65%	11.52%	11.75%	12.75%	12.99%	14.00%
Accounts Receivable Turnover Full definition →	0.38	0.38	0.37	0.37	0.38	0.39	0.38	0.37	0.37	0.37
Accounts Payable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	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 Full definition →	13.94	16.89	21.85	26.91	34.48	44.78	41.54	37.12	39.95	39.40
Average Assets Full definition →	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 Full definition →	206.35	223.44	259.29	290.97	287.45	277.43	295.68	315.45	339.68	365.09

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Regional Management Corp. RM

Regional Management Corp. RM

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