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Regional Management Corp 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 1,542 staff and has a trailing 12-month revenue of around 0.00.
|52-week range||$10.18 - $39.29|
|50-day moving average||$36.15|
|200-day moving average||$29.67|
|Wall St. target price||$37.83|
|Dividend yield||$0.2 (0.53%)|
|Earnings per share (TTM)||$2.40|
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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 16x. In other words, Regional Management shares trade at around 16x 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 $91.4 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||$363.6 million|
|Operating margin TTM||21.48%|
|Gross profit TTM||$239.8 million|
|Return on assets TTM||4.31%|
|Return on equity TTM||9.3%|
|Market capitalisation||$431.3 million|
TTM: trailing 12 months
There are currently 263,985 Regional Management shares held short by investors – that's known as Regional Management's "short interest". This figure is 3.3% down from 273,067 last month.
There are a few different ways that this level of interest in shorting Regional Management shares can be evaluated.
Regional Management's "short interest ratio" (SIR) is the quantity of Regional Management shares currently shorted divided by the average quantity of Regional Management shares traded daily (recently around 56167.021276596). Regional Management's SIR currently stands at 4.7. In other words for every 100,000 Regional Management shares traded daily on the market, roughly 4700 shares are currently held short.
However Regional Management's short interest can also be evaluated against the total number of Regional Management shares, or, against the total number of tradable Regional Management shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Regional Management's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Regional Management shares in existence, roughly 20 shares are currently held short) or 0.0296% of the tradable shares (for every 100,000 tradable Regional Management shares, roughly 30 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Regional Management.
Find out more about how you can short Regional Management stock.
Dividend payout ratio: 9.73% of net profits
Recently Regional Management has paid out, on average, around 9.73% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.12% 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 2.12% return on their shares, in the form of dividend payments. In Regional Management's case, that would currently equate to about $0.2 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 11 March 2021. The latest dividend was paid out to all shareholders who bought their shares by 21 February 2021 (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 $10.1761 up to $39.29. 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 1.4788. 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. It offers small and large installment loans; retail loans to finance the purchase of furniture, appliances, and other retail products; 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. The company's loans are sourced through branches, direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of December 31, 2020, it served approximately 410,300 active accounts through a network of 365 branches in 11 states located in the Southeastern, Southwestern, Mid-Atlantic, and Midwestern United States. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina. .
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