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