Regional Management Corp.
New York Stock ExchangeTotal Valuation
Regional Management Corp. carries a market capitalization of 315.29M, placing it among publicly traded companies globally. Its enterprise value stands at 1.96B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 315.29M |
| Enterprise Value | 1.96B |
Share Statistics
Regional Management Corp. currently has 9.34M shares outstanding.
| Shares Outstanding | 9.34M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Regional Management Corp. trades at a trailing price-to-earnings ratio of 6.16. The price-to-sales ratio is 0.53, and the price-to-book ratio stands at 0.71.
| PE Ratio | 6.16 |
| PS Ratio | 0.53 |
| PB Ratio | 0.71 |
| P/TBV Ratio | 0.88 |
| P/FCF Ratio | 0.93 |
| P/OCF Ratio | 0.92 |
Enterprise Valuation
On an enterprise value basis, Regional Management Corp. trades at an EV/EBITDA multiple of 112.35 and an EV/FCF ratio of 5.70.
| EV / Sales | 3.42 |
| EV / EBITDA | 112.35 |
| EV / EBIT | N/A |
| EV / FCF | 5.70 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 441.85 |
| Debt / EBITDA | 95.38 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 12.13 |
| Return on Assets (ROA) | 2.46 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Regional Management Corp. has paid 14.65M in income taxes, reflecting an effective tax rate of 23.08.
| Income Tax | 14.65M |
| Effective Tax Rate | 23.08 |
Stock Price Statistics
Regional Management Corp.'s stock has gained approximately 27.52328% over the past 52 weeks. The 50-day moving average sits at 35.69, while the 200-day moving average is 37.50.
| Beta (5Y) | N/A |
| 52-Week Price Change | 27.52328% |
| 50-Day Moving Average | 35.69 |
| 200-Day Moving Average | 37.50 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Regional Management Corp. generated 571.96M in revenue and converted that into 48.81M in net income, yielding earnings per share of 4.93.
| Revenue | 571.96M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 63.45M |
| Net Income | 48.81M |
| EBITDA | 17.41M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 4.93 |
Balance Sheet
Regional Management Corp. holds 4.86M in cash and equivalents against 1.66B in total debt, resulting in a net debt position of 1.61B.
| Cash & Cash Equivalents | 4.86M |
| Total Debt | 1.66B |
| Net Debt | 1.61B |
| Equity (Book Value) | 420.71M |
| Book Value Per Share | 45.15 |
| Working Capital | N/A |
Cash Flow
Regional Management Corp. produced 326.41M in operating cash flow over the past twelve months. After subtracting -16.85M in capital expenditures, free cash flow totaled 309.56M - equivalent to 33.22 per share.
| Operating Cash Flow | 326.41M |
| Capital Expenditures | -16.85M |
| Free Cash Flow | 309.56M |
| FCF Per Share | 33.22 |
Margins
Regional Management Corp. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 11.09 |
| Profit Margin | 8.53 |
| EBITDA Margin | 3.04 |
Dividends & Yields
The company's payout ratio of 24.08 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.26 |
| Dividend Yield | N/A |
| Payout Ratio | 24.08 |
| Shareholder Yield | -31.97 |
| FCF Yield | 107.57 |
Scores
Regional Management Corp. posts an Altman Z-Score of 0.67, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.67 |