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

RM POWR Grades

• Quality is the dimension where RM ranks best; there it ranks ahead of 90.51% of US stocks.
• The strongest trend for RM is in Growth, which has been heading up over the past 163 days.
• RM ranks lowest in Sentiment; there it ranks in the 68th percentile.

RM Stock Summary

• RM's current price/earnings ratio is 6.19, which is higher than just 10.36% of US stocks with positive earnings.
• Price to trailing twelve month operating cash flow for RM is currently 2.77, higher than merely 9.12% of US stocks with positive operating cash flow.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for RM comes in at -38.23% -- higher than that of only 10.79% of stocks in our set.
• Stocks that are quantitatively similar to RM, based on their financial statements, market capitalization, and price volatility, are CABO, CRMT, NXST, MCRI, and OPRT.
• 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 8.2; this is 25.45% lower than that of the median Financial Services stock.
• RM's price/sales ratio has moved down 0.4 over the prior 114 months.
• Over the past 114 months, RM's EV/EBIT ratio has gone up 1.4.

Below are key valuation metrics over time for RM.

RM Growth Metrics

Its year over year net cashflow from operations growth rate is now at -4.79%.
• The 5 year net cashflow from operations growth rate now stands at 117.45%.
• Its 2 year net cashflow from operations growth rate is now at 51.12%.

Over the past 15 months, RM's revenue has gone up $30,696,000.

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
2021-09-30	406.311	183.464	82.256
2021-06-30	385.389	174.124	71.273
2021-03-31	375.563	170.351	58.577
2020-12-31	373.906	172.582	26.73
2020-09-30	374.446	175.311	28.066
2020-06-30	375.615	182.564	29.4

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.