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Finance of America Companies Inc. (FOA) vs Regional Management Corp. (RM)

Finance of America Companies Inc. and Regional Management Corp. are both Credit Services companies. Regional Management Corp. is the larger, with a market value of $336.6M against $222.1M — 1.5× the size. Finance of America Companies Inc. has negative trailing earnings, so its P/E is not meaningful; Regional Management Corp. trades at 7.2×. Regional Management Corp. grew revenue faster over the last twelve months: 8.41% against −42.3%. Regional Management Corp. has the higher net margin (6.96% vs −0.10%) and the higher return on invested capital (4.85% vs −0.12%). Across the 17 metrics below, Regional Management Corp. leads on 14 and Finance of America Companies Inc. on 3.

Valuation

Metric FOA RM Credit Services median
P/E n/m 7.18 8.96
P/S 0.34 0.49 1.00
P/B 0.28 0.88 1.23
Price to free cash flow n/m 1.10 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (2.77%) 13.92% 7.17%
Free cash flow yield (416.57%) 90.86% 11.75%

Profitability

Metric FOA RM Credit Services median
Gross margin 100.00% 100.00% 76.61%
Operating margin (20.35%) 22.54% 0.34%
Net margin (0.10%) 6.96% 8.35%
Free cash flow margin (164.79%) 44.79% 8.73%
Return on equity (0.08%) 12.63% 9.05%
Return on assets 0.00% 2.24% 1.94%
Return on invested capital (0.12%) 4.85% 4.56%

Growth

Metric FOA RM Credit Services median
Revenue growth (TTM) (42.27%) 8.41% 4.49%
EPS growth (last fiscal year) 216.95% 7.49% 21.94%
Revenue growth, 5-year CAGR (22.68%) 11.54% 9.22%
Net income growth, 5-year CAGR (38.60%) 10.69% 0.00%

Health

Metric FOA RM Credit Services median
Debt to equity 89.53 4.58 0.69
Current ratio 3.02 60.68 1.26
Net debt to EBITDA 177.25 10.79 0.11

Dividend

Metric FOA RM Credit Services median
Dividend yield — 3.19% 1.64%
Payout ratio — 0.24 0.21

Size

Metric FOA RM Credit Services median
Market cap 222.05m 336.60m 759.73m

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