Regional Management (RM) Stock Price, News & Analysis

Company Overview

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally-managed direct mail campaigns, and digital partners, as well as its consumer website. The company was incorporated in 1987 and is headquartered in Greer, South Carolina.

Key Stats

• Today's Range: $29.24 to $29.95
• 50-Day Range: $28.33 to $33.24
• 52-Week Range: $20.50 to $34.15
• Volume: 13,152 shs
• Average Volume: 27,217 shs
• Market Capitalization: $301.24 million
• P/E Ratio: 12.46
• Dividend Yield: 4.05%
• Price Target: $35.50
• Consensus Rating: Hold

Regional Management Stock Analysis - MarketRank™

Regional Management scored higher than 85% of companies evaluated by MarketBeat, and ranked 196th out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

Regional Management has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Regional Management has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 21.21%

Earnings Growth

Earnings for Regional Management are expected to grow by 21.21% in the coming year, from $4.48 to $5.43 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Regional Management is 12.46, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 123.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of Regional Management is 12.46, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 45.55.

Price to Book Value per Share Ratio

Regional Management has a P/B Ratio of 0.85. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.70% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 11.2, which indicates bearish sentiment.

Change versus previous month

Short interest in Regional Management has recently decreased by 3.49%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Regional Management is a leading dividend payer. It pays a dividend yield of 4.01%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Regional Management does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Regional Management is 50.42%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Regional Management will have a dividend payout ratio of 22.10% next year. This indicates that Regional Management will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 0.0 / 5
• Environmental Score: -0.21

Percentage of Shares Shorted

2.70% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 11.2, which indicates bearish sentiment.

Change versus previous month

Short interest in Regional Management has recently decreased by 3.49%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: N/A

News Sentiment

Regional Management has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.76 average news sentiment score of Finance companies.

Search Interest

Only 1 people have searched for RM on MarketBeat in the last 30 days. This is a decrease of -86% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Regional Management insiders have not sold or bought any company stock.

Percentage Held by Insiders

10.50% of the stock of Regional Management is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

98.89% of the stock of Regional Management is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

RM Stock Analysis - Frequently Asked Questions

How have RM shares performed this year?

Regional Management's stock was trading at $25.08 at the beginning of the year. Since then, RM shares have increased by 18.2% and is now trading at $29.65.
View the best growth stocks for 2024 here.

How were Regional Management's earnings last quarter?

Regional Management Corp. (NYSE:RM) released its quarterly earnings data on Wednesday, July, 31st. The credit services provider reported $0.86 EPS for the quarter, topping analysts' consensus estimates of $0.59 by $0.27. The credit services provider earned $143.03 million during the quarter, compared to analysts' expectations of $143.13 million. Regional Management had a trailing twelve-month return on equity of 11.98% and a net margin of 4.13%.

Who are Regional Management's major shareholders?

Top institutional shareholders of Regional Management include Wellington Management Group LLP (3.29%), Tieton Capital Management LLC (2.04%), Geode Capital Management LLC (1.89%) and State Street Corp (1.50%). Insiders that own company stock include Basswood Capital Management, L, Roel C Campos, Robert William Beck, John D Schachtel, Philip V Bancroft, Sandra K Johnson and Carlos Palomares.
View institutional ownership trends.

How do I buy shares of Regional Management?

Shares of RM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Regional Management own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Regional Management investors own include Tesla (TSLA), NVIDIA (NVDA), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Last Earnings: 7/31/2024
• Ex-Dividend for 9/12 Dividend: 8/21/2024
• Dividend Payable: 9/12/2024
• Today: 11/21/2024
• Ex-Dividend for 12/11 Dividend: 11/21/2024
• Dividend Payable: 12/11/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 2/05/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Personal credit institutions
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:RM
• CUSIP: 75902K10
• CIK: 1519401
• Web: www.regionalmanagement.com
• Phone: (864) 448-7000
• Fax: 864-422-8035
• Employees: 2,081
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $35.50
• High Stock Price Target: $38.00
• Low Stock Price Target: $33.00
• Potential Upside/Downside: +19.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $2.38
• Trailing P/E Ratio: 12.46
• Forward P/E Ratio: 6.62
• P/E Growth: N/A
• Net Income: $15.96 million
• Net Margins: 4.13%
• Pretax Margin: 5.53%
• Return on Equity: 11.98%
• Return on Assets: 2.27%

Debt

• Debt-to-Equity Ratio: 3.94
• Current Ratio: 44.42
• Quick Ratio: 44.42

Sales & Book Value

• Annual Sales: $551.40 million
• Price / Sales: 0.55
• Cash Flow: $2.88 per share
• Price / Cash Flow: 10.30
• Book Value: $34.73 per share
• Price / Book: 0.85

Miscellaneous

• Outstanding Shares: 10,160,000
• Free Float: 9,096,000
• Market Cap: $301.24 million
• Optionable: Optionable
• Beta: 1.53