Regional Management Corp. (RM): Price and Financial Metrics

RM POWR Grades

• Value is the dimension where RM ranks best; there it ranks ahead of 95.34% of US stocks.
• RM's strongest trending metric is Quality; it's been moving down over the last 177 days.
• RM ranks lowest in Momentum; there it ranks in the 20th percentile.

RM Stock Summary

• RM's current price/earnings ratio is 4.11, which is higher than just 7.77% of US stocks with positive earnings.
• The price/operating cash flow metric for REGIONAL MANAGEMENT CORP is higher than just 5.39% of stocks in our set with a positive cash flow.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for RM comes in at -74.7% -- higher than that of merely 7.52% of stocks in our set.
• Stocks that are quantitatively similar to RM, based on their financial statements, market capitalization, and price volatility, are LILA, CTIB, SPNT, GFF, and CVEO.
• Visit RM's SEC page to see the company's official filings. To visit the company's web site, go to www.regionalmanagement.com.

RM Valuation Summary

• RM's price/earnings ratio is 4.1; this is 64.35% lower than that of the median Financial Services stock.
• RM's EV/EBIT ratio has moved up 3 over the prior 130 months.

Below are key valuation metrics over time for RM.

RM Growth Metrics

Its 2 year net cashflow from operations growth rate is now at 7.58%.
• The 2 year revenue growth rate now stands at 22.01%.
• Its 5 year cash and equivalents growth rate is now at 443.96%.

Over the past 15 months, RM's revenue has gone up $109,266,000.

The table below shows RM's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	494.655	217.253	69.611
2022-06-30	474.663	212.787	81.764
2022-03-31	451.468	192.477	89.948
2021-12-31	428.351	189.015	88.687
2021-09-30	406.311	183.464	82.256
2021-06-30	385.389	174.124	71.273

RM's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• RM has a Quality Grade of B, ranking ahead of 92.69% of graded US stocks.
• RM's asset turnover comes in at 0.345 -- ranking 21st of 428 Banking stocks.
• PFS, ESXB, and LC are the stocks whose asset turnover ratios are most correlated with RM.

The table below shows RM's key quality metrics over time.