Regional Management Corp. Financial Ratios — RM Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	38.85	25.51	19.83	8.72	12.18	11.65	13.41	13.63	15.37	9.3	31.97	17.32	5.06	12.14	12.16
Return on Assets (%)	7.71	6.7	5.95	2.78	4.04	3.59	3.89	3.96	4.23	2.36	6.92	3.22	0.91	2.23	2.21
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.55	2.09	2.21	2.05	1.95	2.92	2.96	3.22	3.44	3.96	2.94	2.68	3.02	2.74	2.9
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.84	31.68	29.56	12.61	18.97	17.66	16.2	16.8	18.69	10.69	28.33	13.81	4.29	10.52	10.3
Profit Margin (%)	22.63	19.95	18.4	7.8	11.62	10.89	12.06	12.94	14.17	7.95	22.34	10.83	3.3	8.02	7.92
Net Income to Common Margin (%)	22.63	19.95	18.4	7.8	11.62	10.89	12.06	12.94	14.17	7.95	22.34	10.83	3.3	8.02	7.92
Effective Tax Rate (%)	36.87	37.04	37.75	38.17	38.74	38.3	25.57	23	24.17	25.6	21.15	21.58	23.22	23.76	23.13
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.29	10.75	22.16	74.48	29.45	25.86
Sustainable Growth Rate (%)	38.85	25.51	19.83	8.72	12.18	11.65	13.41	13.63	15.37	8.53	28.53	13.48	1.29	8.56	9.02

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	232	292	363	341	408	490	567	651	827	791	1,128	1,383	1,432	1,513	1,688
ST Debt	206	292	363	341	337	452	514	355	393	325	240	165	245	315	268
LT Debt	26	- -	- -	- -	71	38	53	297	434	466	887	1,218	1,187	1,197	1,420
Total Debt/EBITDA	161.32	112.54	104.87	87.95	104.21	75.97	77.01	73.99	76.19	59.47	96.77	108.96	97.84	107.5	103.91
Net Debt/EBITDA	157.95	111.27	103.68	86.92	102.25	75.28	76.3	73.58	73.36	56.67	93.23	105.76	95.03	104.34	100.85
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	21.33	29.74	30.19	33.63	32.76	29.13	28.86	29.19	26.13	24.65	19.37	17.89	17.96	18.7	17.73
Long-Term Debt/Equity (%)	39.79	- -	- -	- -	34.71	18.27	22.07	106.27	143.34	171.41	313.85	394.59	368.28	335.25	380.52
Long-Term Debt/Capital (%)	8.7	- -	- -	- -	11.61	5.44	6.56	31.88	38.41	43.86	62.92	72.01	67.66	64.03	68.88
Long-Term Debt/Total Assets (%)	8.49	- -	- -	- -	11.37	5.32	6.37	31.02	37.46	42.26	60.79	70.6	66.14	62.71	67.48
Total Debt/Equity (%)	357.32	226.29	225.07	191.46	199.04	235.94	236.64	233.32	273.16	290.84	398.83	447.96	444.29	423.6	452.47
Total Debt/Capital (%)	78.13	69.35	69.24	65.69	66.56	70.23	70.29	70	73.2	74.41	79.95	81.75	81.63	80.9	81.9
Total Debt/Total Assets (%)	76.22	67.29	67.94	64.39	65.21	68.73	68.3	68.1	71.39	71.7	77.25	80.15	79.79	79.23	80.24
Net Debt to Equity	349.84	223.74	222.51	189.21	195.31	233.8	234.46	232.01	263.01	277.15	384.26	434.81	431.54	411.13	439.13
Net Debt/Capital (%)	77.77	69.11	68.99	65.42	66.14	70.04	70.1	69.88	70.62	71.45	77.61	79.53	79.49	78.69	79.63
EBITDA	1	3	3	4	4	6	7	9	11	13	12	13	15	14	16
EBITDA-CapEx	-1	1	-1	-1	-1	-5	-4	2	3	8	5	1	3	-3	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	21.33	29.74	30.19	33.63	32.76	29.13	28.86	29.19	26.13	24.65	19.37	17.89	17.96	18.7	17.73
Long-Term Debt/Equity (%)	39.79	- -	- -	- -	34.71	18.27	22.07	106.27	143.34	171.41	313.85	394.59	368.28	335.25	380.52
Long-Term Debt/Capital (%)	8.7	- -	- -	- -	11.61	5.44	6.56	31.88	38.41	43.86	62.92	72.01	67.66	64.03	68.88
Long-Term Debt/Total Assets (%)	8.49	- -	- -	- -	11.37	5.32	6.37	31.02	37.46	42.26	60.79	70.6	66.14	62.71	67.48
Total Debt/Equity (%)	357.32	226.29	225.07	191.46	199.04	235.94	236.64	233.32	273.16	290.84	398.83	447.96	444.29	423.6	452.47
Total Debt/Capital (%)	78.13	69.35	69.24	65.69	66.56	70.23	70.29	70	73.2	74.41	79.95	81.75	81.63	80.9	81.9
Total Debt/Total Assets (%)	76.22	67.29	67.94	64.39	65.21	68.73	68.3	68.1	71.39	71.7	77.25	80.15	79.79	79.23	80.24
CFO/Total Liabilities	17.34	18.91	19.48	24.39	19.8	19.86	19.56	21.6	18.49	19.84	16.06	15.84	16.92	17.33	17.86
CFO/CapEx	16.08	28.92	17.44	18.45	15.7	8.54	10.38	21.52	21.36	30.84	27.55	19.66	20.64	15.46	18.1
Altman's Z-Score	0.42	0.85	1.19	0.94	0.86	0.95	0.9	0.84	0.81	0.83	0.86	0.67	0.65	0.69	0.68

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	107.26	77.31	137.99	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	3.4	4.72	2.65	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	207	429	202	200	301	307	283	331	326	562	267	245	340	370
- Cash & Cash Equivalents	5	3	4	4	8	4	5	4	2	8	11	4	5	4	4
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	232	292	363	341	408	490	567	651	827	791	1,128	1,383	1,432	1,513	1,688
Enterprise Value	227	496	788	539	601	786	868	931	1,156	1,110	1,680	1,646	1,672	1,849	2,055
Total Capital	297	422	524	520	614	697	806	931	1,130	1,064	1,410	1,691	1,754	1,870	2,061
Total Debt/Capital (%)	78.13	69.35	69.24	65.69	66.56	70.23	70.29	70	73.2	74.41	79.95	81.75	81.63	80.9	81.9
Total Debt / EV	1.02	0.59	0.46	0.63	0.68	0.62	0.65	0.7	0.72	0.71	0.67	0.84	0.86	0.82	0.82
EV/Sales	2.44	4	5.04	2.84	2.99	3.56	3.49	3.41	3.66	3.3	4.23	3.48	3.46	3.6	3.66
EV/EBITDA	157.95	190.81	227.79	138.83	153.22	121.97	117.99	105.75	106.44	83.4	144.13	129.73	114.26	131.4	126.46
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.47	8.59	10.85	6.28	7.2	7.84	7.52	6.36	7.3	6.73	8.89	7.34	6.71	6.87	6.65
EV/Free Cash Flow to Firm	5.15	8.3	10.26	5.96	6.77	7.02	6.86	6.08	6.98	6.52	8.57	6.98	6.4	6.46	6.3
Diluted Market Cap	- -	198	437	205	202	318	310	290	354	333	612	271	241	338	387
Diluted Enterprise Value	227	487	796	542	603	803	871	938	1,178	1,116	1,729	1,650	1,668	1,847	2,071
EV per Share	24.31	39.7	62.28	42.28	46.51	68.65	74.45	79.05	104.92	101.52	171.59	172.85	171.34	184.69	215.04
TTM Sales	93	124	156	190	201	221	249	273	316	336	397	473	484	514	561
TTM EBITDA	1	3	3	4	4	6	7	9	11	13	12	13	15	14	16
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	41	58	73	86	83	100	115	146	158	165	189	224	249	269	309
TTM Free Cash Flow to Firm	44	60	77	90	89	112	127	153	166	170	196	236	261	286	326

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	3.32	5.7	2.26	2.28	2.84	2.45	1.9	2.13	1.95	3.12	1.15	0.92	1.18	1.19
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	227	496	788	539	601	786	868	931	1,156	1,110	1,680	1,646	1,672	1,849	2,055
Low Price	- -	12.84	15.54	11.16	13.45	11.77	18.31	22.9	22.98	10.33	26.61	26.52	20.76	20.5	25.41
EV/Sales	2.44	4	5.04	2.84	2.99	3.56	3.49	3.41	3.66	3.3	4.23	3.48	3.46	3.6	3.66
EV/EBITDA	157.95	190.81	227.79	138.83	153.22	121.97	117.99	105.75	106.44	83.4	144.13	129.73	114.26	131.4	126.46
Price/Earnings	- -	7.82	14.81	13.57	8.51	12.93	10.14	7.93	7.65	12.21	6.5	5.1	14.77	7.95	8.23
Price/Earnings Average	- -	7.72	11.15	17.08	8.91	9.15	8.78	10.31	6.92	8.4	5.34	7.28	16.54	6.65	7.39
Price/Earnings High	- -	8.63	15.21	31.09	11.15	13.3	10.62	12.27	8.9	12.59	7.65	10.63	22.58	8.24	9.77
Price/Earnings Low	- -	6.07	6.79	9.58	7.4	5.79	7.06	7.55	5.86	4.22	3.01	4.81	12.23	4.79	5.39
Price/Book Value	- -	1.6	2.66	1.13	0.97	1.45	1.28	1.01	1.09	1.2	1.99	0.87	0.76	0.95	0.99
Price/Book Value Average	- -	1.58	2	1.42	1.02	1.03	1.11	1.32	0.99	0.83	1.63	1.24	0.85	0.8	0.89
Price/Book Value High	- -	1.77	2.73	2.59	1.28	1.49	1.34	1.57	1.27	1.24	2.34	1.81	1.16	0.99	1.18
Price/Book Value Low	- -	1.24	1.22	0.8	0.85	0.65	0.89	0.97	0.84	0.41	0.92	0.82	0.63	0.57	0.65
Price/Tangible Book Value	- -	1.63	2.7	1.14	0.99	1.5	1.34	1.05	1.13	1.24	2.06	0.9	0.8	1.02	1.08
Price/Tangible Book Value Average	- -	1.61	2.03	1.44	1.03	1.06	1.16	1.37	1.02	0.85	1.69	1.29	0.89	0.86	0.97
Price/Tangible Book Value High	- -	1.8	2.77	2.61	1.29	1.54	1.4	1.63	1.31	1.28	2.42	1.88	1.22	1.06	1.29
Price/Tangible Book Value Low	- -	1.26	1.24	0.8	0.86	0.67	0.93	1	0.86	0.43	0.95	0.85	0.66	0.62	0.71
Price/Sales	- -	1.56	2.73	1.06	0.99	1.41	1.22	1.03	1.08	0.97	1.45	0.55	0.49	0.64	0.65
Price/Sales Average	- -	1.54	2.05	1.33	1.04	1	1.06	1.33	0.98	0.67	1.19	0.79	0.55	0.53	0.58
Price/Sales High	- -	1.72	2.8	2.42	1.3	1.45	1.28	1.59	1.26	1	1.71	1.15	0.74	0.66	0.77
Price/Sales Low	- -	1.21	1.25	0.75	0.86	0.63	0.85	0.98	0.83	0.34	0.67	0.52	0.4	0.38	0.43
Price/Cash Flow	- -	3.35	5.88	2.34	2.38	3.1	2.63	1.92	2.16	1.98	3.05	1.16	0.95	1.22	1.18
Price/Cash Flow Average	- -	3.31	4.42	2.95	2.5	2.19	2.28	2.49	1.96	1.36	2.51	1.66	1.06	1.02	1.06
Price/Cash Flow High	- -	3.7	6.03	5.36	3.12	3.19	2.76	2.96	2.52	2.04	3.59	2.43	1.45	1.26	1.4
Price/Cash Flow Low	- -	2.6	2.69	1.65	2.07	1.39	1.83	1.82	1.66	0.68	1.41	1.1	0.78	0.73	0.78
Price/Free Cash Flow Average	- -	3.28	4.29	2.85	2.39	2.01	2.12	2.47	1.93	1.34	2.57	1.64	1.03	0.99	1.06
Price/Free Cash Flow High	- -	3.67	5.85	5.18	2.99	2.92	2.57	2.94	2.48	2.01	3.67	2.4	1.41	1.23	1.41
Price/Free Cash Flow Low	- -	2.58	2.61	1.6	1.98	1.27	1.7	1.81	1.63	0.68	1.45	1.09	0.76	0.71	0.78
EV/Sales Average	2.44	3.97	4.36	3.12	3.03	3.16	3.33	3.72	3.56	3	3.98	3.72	3.52	3.49	3.6
EV/Sales High	2.44	4.17	5.11	4.21	3.3	3.6	3.55	3.97	3.83	3.33	4.48	4.09	3.72	3.62	3.79
EV/Sales Low	2.44	3.62	3.55	2.53	2.86	2.81	3.12	3.36	3.42	2.67	3.47	3.45	3.37	3.33	3.44
EV/EBITDA Average	157.95	189.82	197.06	152.3	155.64	108.33	112.41	115.41	103.54	75.74	135.53	138.74	116.26	127.45	124.13
EV/EBITDA High	157.95	199.08	231.08	205.89	169.03	123.32	119.97	123.36	111.41	84.15	152.65	152.62	123.1	132.29	130.73
EV/EBITDA Low	157.95	172.98	160.52	123.56	146.56	96.19	105.31	104.21	99.29	67.35	118.22	128.56	111.38	121.81	118.62
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	16.55	33.93	15.81	15.47	26.28	26.31	24.05	30.03	29.86	57.46	28.08	25.08	33.98	38.75
High Price	- -	18.27	34.83	36.23	20.27	27.04	27.56	37.21	34.93	30.78	67.6	58.58	38.34	35.24	46
Enterprise Value Average	227	493	682	591	610	698	827	1,016	1,124	1,008	1,579	1,761	1,701	1,793	2,017
Enterprise Value High	227	517	799	799	663	795	883	1,086	1,210	1,120	1,779	1,937	1,801	1,861	2,124
Enterprise Value Low	227	449	555	480	575	620	775	917	1,078	896	1,378	1,631	1,630	1,714	1,927

Shares Outstanding	9	12	13	13	13	11	12	12	11	11	10	10	10	10	10
Diluted Weighted Avg Shares	12	12	13	13	13	12	12	12	12	11	11	10	10	10	10
Basic Weighted Avg Shares	12	12	13	13	13	12	12	12	11	11	10	9	9	10	9
Revenue per Share	7.55	10.61	12.45	14.94	15.65	18.66	21.52	23.44	27.68	30.75	39.57	50.88	51.49	53.32	59.48
EBITDA per Share	0.12	0.22	0.28	0.31	0.31	0.54	0.64	0.76	0.95	1.22	1.16	1.36	1.56	1.46	1.72
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.71	2.12	2.29	1.17	1.82	2.03	2.59	3.03	3.92	2.45	8.84	5.51	1.7	4.28	4.71
Basic EPS from Cont Ops	1.71	2.12	2.29	1.17	1.82	2.03	2.59	3.03	3.92	2.45	8.84	5.51	1.7	4.28	4.71
Diluted EPS, GAAP	1.71	2.07	2.23	1.14	1.79	1.99	2.54	2.93	3.8	2.4	8.33	5.3	1.66	4.14	4.45
Diluted EPS from Cont Ops	1.71	2.07	2.23	1.14	1.79	1.99	2.54	2.93	3.8	2.4	8.33	5.3	1.66	4.14	4.45
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.2	0.95	1.22	1.26	1.26	1.22
Cash Flow per Share	3.37	4.94	5.77	6.76	6.49	8.48	9.99	12.55	13.88	15.09	18.84	24.13	26.51	27.9	32.78
Free Cash Flow per Basic Share	3.16	4.76	5.44	6.39	6.08	7.49	9.03	11.97	13.23	14.6	18.15	22.9	25.23	26.09	30.97
Cash & Equivalents per Share	0.52	0.26	0.33	0.31	0.59	0.39	0.45	0.31	0.21	0.74	1.07	0.41	0.46	0.39	0.4
Book Value per Share	6.95	10.35	12.74	13.99	15.89	18.12	20.53	23.7	27.49	24.89	28.89	32.41	33.02	35.67	39.05
Tangible Book Value per Share	6.9	10.17	12.57	13.87	15.66	17.56	19.62	22.85	26.64	24.1	27.91	31.14	31.4	33.22	35.72

Regional Management Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)