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Regional Management is a credit services business based in the US. Regional Management shares (RM) are listed on the NYSE and all prices are listed in US Dollars. Regional Management employs 1,691 staff and has a trailing 12-month revenue of around $482.7 million.
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| Latest market close | $35.98 |
|---|---|
| 52-week range | $26.52 - $55.24 |
| 50-day moving average | $30.14 |
| 200-day moving average | $35.69 |
| Wall St. target price | $35.60 |
| PE ratio | 5.1035 |
| Dividend yield | $1.15 (3.55%) |
| Earnings per share (TTM) | $7.05 |
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The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Historical closes compared with the close of $35.98 from 2023-02-01
| 1 week (2023-01-25) | 8.28% |
|---|---|
| 1 month (2022-12-29) | N/A |
| 3 months (2022-10-31) | 5.95% |
| 6 months (2022-08-02) | -12.16% |
| 1 year (2022-02-02) | -28.15% |
|---|---|
| 2 years (2021-02-02) | 17.31% |
| 3 years (2020-01-31) | 30.60% |
| 5 years (2018-02-02) | 29.28% |
Valuing Regional Management stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Regional Management's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Regional Management's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 5x. In other words, Regional Management shares trade at around 5x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Regional Management's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.42. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Regional Management's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Regional Management's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $145.8 million.
The EBITDA is a measure of a Regional Management's overall financial performance and is widely used to measure a its profitability.
| Revenue TTM | $482.7 million |
|---|---|
| Operating margin TTM | 27.66% |
| Gross profit TTM | $345 million |
| Return on assets TTM | 5.72% |
| Return on equity TTM | 23.76% |
| Profit margin | 14.42% |
| Book value | $32.18 |
| Market capitalisation | $344.9 million |
TTM: trailing 12 months
Dividend payout ratio: 24.14% of net profits
Recently Regional Management has paid out, on average, around 24.14% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.55% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Regional Management shareholders could enjoy a 3.55% return on their shares, in the form of dividend payments. In Regional Management's case, that would currently equate to about $1.15 per share.
While Regional Management's payout ratio might seem low, this can signify that Regional Management is investing more in its future growth.
Regional Management's most recent dividend payout was on 13 December 2022. The latest dividend was paid out to all shareholders who bought their shares by 21 November 2022 (the "ex-dividend date").
Regional Management's shares were split on a 5:1 basis on 12 August 2003. So if you had owned 1 share the day before before the split, the next day you'd have owned 5 shares. This wouldn't directly have changed the overall worth of your Regional Management shares – just the quantity. However, indirectly, the new 80% lower share price could have impacted the market appetite for Regional Management shares which in turn could have impacted Regional Management's share price.
Over the last 12 months, Regional Management's shares have ranged in value from as little as $26.52 up to $55.2404. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Regional Management's is 1.4057. This would suggest that Regional Management's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
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, digital partners, and retailers, as well as its consumer website. As of February 24, 2022, the company operated through a network of approximately 350 branches in 14 states. Regional Management Corp.
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