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Regional Management Corp. (RM) vs TROOPS, Inc. (TROO)

Regional Management Corp. and TROOPS, Inc. are both Credit Services companies. Regional Management Corp. is the larger, with a market value of $336.6M against $212.6M — 1.6× the size. TROOPS, 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 −23.0%. Regional Management Corp. has the higher net margin (6.96% vs −115.9%) and the higher return on invested capital (4.85% vs 0.00%). Across the 16 metrics below, Regional Management Corp. leads on 13 and TROOPS, Inc. on 3.

Valuation

Metric RM TROO Credit Services median
P/E 7.18 n/m 8.96
P/S 0.49 n/m 1.00
P/B 0.88 n/m 1.23
Price to free cash flow 1.10 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.92% (4.57%) 7.17%
Free cash flow yield 90.86% 0.00% 11.75%

Profitability

Metric RM TROO Credit Services median
Gross margin 100.00% (10.20%) 76.61%
Operating margin 22.54% 0.00% 0.34%
Net margin 6.96% (115.89%) 8.35%
Free cash flow margin 44.79% 0.00% 8.73%
Return on equity 12.63% 0.00% 9.05%
Return on assets 2.24% 0.00% 1.94%
Return on invested capital 4.85% 0.00% 4.56%

Growth

Metric RM TROO Credit Services median
Revenue growth (TTM) 8.41% (23.02%) 4.49%
EPS growth (last fiscal year) 7.49% (76.92%) 21.94%
Revenue growth, 5-year CAGR 11.54% 31.83% 9.22%
Net income growth, 5-year CAGR 10.69% 0.00% 0.00%

Health

Metric RM TROO Credit Services median
Debt to equity 4.58 0.00 0.69
Current ratio 60.68 0.92 1.26
Net debt to EBITDA 10.79 0.15 0.11

Dividend

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

Size

Metric RM TROO Credit Services median
Market cap 336.60m 212.56m 759.73m

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