Regional Management Corp

RM · NYSE · Financial Services / Credit Services

35.67USD+0.93 (+2.68%)

Price History

Full chart

Market Stats

Previous Close34.74

Open34.91

Day Range34.31 – 35.67

52-Week Range29.92 – 43.91

Volume75.50K

Market Cap280.74M

P/E (TTM)6.41

Forward P/E6.52

EPS4.75

Dividend Yield3.89%

Beta0.99

50-Day Avg34.10

200-Day Avg36.01

About

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 in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Lakhbir S. Lamba
Employees2.11K
Headquarters979 Batesville Road, Greer, SC, United States, 29651, USA
Websitehttps://www.regionalmanagement.com

Leadership

Mr. Lakhbir S. LambaPresident, CEO & Director · b. 1974
Ms. Harpreet RanaExecutive VP and Chief Financial & Administrative Officer · b. 1972
Ms. Catherine R Atwood J.D.Senior VP, General Counsel & Secretary · b. 1983
Mr. Brian J. Fisher J.D.Executive VP and Chief Strategy & Development Officer · b. 1984
Mr. Manish ParmarExecutive VP & Chief Credit Risk Officer · b. 1978
Mr. Steven B. BarnetteVP, Corporate Controller & Chief Accounting Officer · b. 1980
Mr. Chris PetersonChief Data & Analytics Officer

Financials

Income Statement

Currency: USD	2009-12-31	2010-12-31	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	2025-12-31
Total Revenue	72.81M	86.83M	105.34M	135.70M	170.63M	204.72M	217.31M	240.52M	272.46M	306.71M	355.71M	373.91M	428.35M	507.19M	551.40M	588.50M	645.57M
Growth (%)	-	+19.25%	+21.31%	+28.82%	+25.74%	+19.98%	+6.15%	+10.68%	+13.28%	+12.57%	+15.98%	+5.11%	+14.56%	+18.40%	+8.72%	+6.73%	+9.70%
Cost of Revenue	28.09M	26.63M	30.20M	39.38M	53.34M	84.00M	63.57M	82.94M	101.25M	120.52M	139.74M	161.66M	120.36M	219.34M	287.50M	286.73M	307.64M
Gross Profit	44.73M	60.20M	75.14M	96.32M	117.29M	120.72M	153.74M	157.58M	171.21M	186.19M	215.98M	212.24M	307.99M	287.85M	263.90M	301.77M	337.93M
Gross Margin	61.43%	69.33%	71.33%	70.98%	68.74%	58.97%	70.75%	65.52%	62.84%	60.71%	60.72%	56.76%	71.90%	56.75%	47.86%	51.28%	52.35%
Operating Expense	30.38M	34.58M	41.81M	57.01M	71.04M	96.78M	115.60M	118.63M	130.96M	140.28M	156.98M	176.32M	195.51M	222.53M	243.12M	247.70M	257.57M
Operating Income	14.35M	25.62M	33.33M	39.31M	46.25M	23.94M	38.14M	38.95M	40.26M	45.90M	58.99M	35.93M	112.47M	65.32M	20.78M	54.08M	80.36M
Operating Margin	19.70%	29.51%	31.64%	28.97%	27.11%	11.69%	17.55%	16.19%	14.78%	14.97%	16.58%	9.61%	26.26%	12.88%	3.77%	9.19%	12.45%
EBITDA	15.49M	27.00M	34.77M	41.91M	49.71M	27.82M	42.06M	45.39M	47.61M	54.70M	69.85M	49.24M	124.13M	78.01M	35.42M	68.14M	92.08M
EBITDA Margin	21.27%	31.10%	33.01%	30.89%	29.14%	13.59%	19.35%	18.87%	17.48%	17.84%	19.64%	13.17%	28.98%	15.38%	6.42%	11.58%	14.26%
Net Income	9.87M	16.44M	21.04M	24.75M	28.79M	14.80M	23.36M	24.03M	29.96M	35.34M	44.73M	26.73M	88.69M	51.22M	15.96M	41.23M	44.41M
Net Income Margin	13.56%	18.94%	19.97%	18.24%	16.88%	7.23%	10.75%	9.99%	11.00%	11.52%	12.58%	7.15%	20.70%	10.10%	2.89%	7.01%	6.88%
R&D	-	-	-	0	0	0	0	0.16	0.15	0.15	0.17	0.1	0.26	0.13	0.04	-	-
R&D as % of Total Revenue	-	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Interest Expense	8.68M	10.06M	12.34M	11.61M	14.14M	14.95M	16.22M	19.92M	23.91M	33.46M	40.13M	37.85M	31.35M	34.22M	67.46M	74.53M	84.81M
Interest Expense % of Total Revenue	11.92%	11.59%	11.72%	8.56%	8.29%	7.30%	7.46%	8.28%	8.77%	10.91%	11.28%	10.12%	7.32%	6.75%	12.23%	12.66%	13.14%

Balance Sheet

Currency: USD	2008-12-31	2009-12-31	2010-12-31	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	2025-12-31
Total Assets	-	-	241.36M	304.15M	434.52M	533.89M	530.27M	629.07M	712.22M	829.48M	956.39M	1.16B	1.10B	1.46B	1.72B	1.79B	1.91B	2.18B
Total Liabilities	-	-	197.91M	239.27M	305.31M	372.71M	351.95M	423.84M	504.75M	590.07M	677.23M	855.76M	831.73M	1.18B	1.42B	1.47B	1.55B	1.81B
Total Equity	-	-	43.44M	64.88M	129.20M	161.17M	178.32M	205.23M	207.47M	239.41M	279.16M	302.78M	272.12M	282.74M	308.63M	322.27M	357.08M	373.09M
Cash	-	-	856.00K	4.85M	3.30M	4.12M	4.01M	7.65M	4.45M	5.23M	3.66M	2.26M	8.05M	10.51M	3.87M	4.51M	3.95M	98.00M
Total Debt	-	-	189.95M	231.82M	292.38M	362.75M	341.42M	746.77M	941.15M	1.08B	1.01B	1.19B	1.09B	1.34B	1.38B	1.43B	1.51B	1.73B
Net Debt	-	-	189.09M	226.97M	289.08M	358.63M	337.41M	403.52M	485.08M	561.32M	647.69M	824.82M	783.40M	1.12B	1.38B	1.43B	1.51B	1.64B

Cash Flow

Currency: USD	2009-12-31	2010-12-31	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	2025-12-31
Operating Cash Flow	31.23M	41.22M	41.05M	57.57M	72.59M	85.85M	83.39M	100.24M	115.43M	146.28M	165.06M	172.58M	189.01M	224.33M	249.17M	268.93M	309.07M
Investing Cash Flow	-40.71M	-50.60M	-78.93M	-159.46M	-142.68M	-64.74M	-146.55M	-159.56M	-179.93M	-199.24M	-275.63M	-98.81M	-355.06M	-447.29M	-278.72M	-315.37M	-471.18M
Financing Cash Flow	11.07M	7.22M	41.88M	100.34M	70.91M	-21.21M	66.80M	53.91M	73.77M	81.08M	116.85M	-58.32M	243.36M	205.57M	26.43M	53.41M	124.47M
Capital Expenditure	556.00K	1.21M	2.58M	2.00M	4.15M	4.65M	5.31M	11.73M	11.12M	6.80M	7.41M	5.80M	6.86M	11.41M	12.07M	5.05M	17.08M
Free Cash Flow	30.68M	40.01M	38.47M	55.57M	68.44M	81.19M	78.08M	88.50M	104.31M	139.49M	157.66M	166.78M	182.15M	212.92M	237.10M	263.87M	291.99M
Dividends Paid	-	-	-	0	0	0	0	0	2.20M	2.20M	2.20M	2.20M	9.54M	11.35M	11.89M	12.14M	11.48M
FCF to OCF	98.22%	97.06%	93.71%	96.53%	94.28%	94.58%	93.63%	88.29%	90.37%	95.35%	95.51%	96.64%	96.37%	94.91%	95.16%	98.12%	94.47%
Dividend Paid to FCF	-	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	2.11%	1.57%	1.39%	1.32%	5.24%	5.33%	5.01%	4.60%	3.93%

Earnings

Report Date	May 3, 2012	Aug 1, 2012	Oct 31, 2012	Feb 27, 2013	May 2, 2013	Jul 31, 2013	Oct 30, 2013	Mar 11, 2014	Apr 29, 2014	Jul 30, 2014	Oct 30, 2014	Mar 9, 2015	Apr 28, 2015	Jul 23, 2015	Oct 22, 2015	Jan 28, 2016	Apr 28, 2016	Jul 26, 2016	Oct 27, 2016	Feb 7, 2017	May 2, 2017	Aug 1, 2017	Nov 8, 2017	Feb 13, 2018	May 1, 2018	Jul 31, 2018	Nov 8, 2018	Feb 12, 2019	May 8, 2019	Jul 31, 2019	Nov 6, 2019	Feb 25, 2020	May 6, 2020	Aug 5, 2020	Oct 29, 2020	Feb 10, 2021	May 4, 2021	Aug 3, 2021	Nov 2, 2021	Feb 9, 2022	May 4, 2022	Aug 3, 2022	Nov 1, 2022	Feb 8, 2023	May 3, 2023	Aug 2, 2023	Nov 1, 2023	Feb 7, 2024	May 1, 2024	Jul 31, 2024	Nov 6, 2024	Feb 5, 2025	Apr 30, 2025	Jul 30, 2025	Nov 5, 2025	Feb 4, 2026	Apr 29, 2026	Jul 29, 2026	Nov 4, 2026
EPS Estimate	-	0.50	0.55	0.53	0.52	0.52	0.59	0.66	0.65	0.36	0.47	0.43	0.40	0.38	0.49	0.47	0.52	0.41	0.57	0.57	0.54	0.51	0.59	0.61	0.70	0.67	0.83	0.81	0.78	0.68	0.95	1.11	0.71	0.65	0.55	0.85	1.17	1.44	1.56	1.83	1.85	1.01	0.90	0.45	0.55	0.52	0.79	0.43	0.88	0.57	1.05	0.89	0.68	0.72	1.46	1.29	0.98	0.81	1.50
EPS Actual	0.53	0.52	0.55	0.65	0.54	0.52	0.61	0.71	0.36	0.34	0.11	0.31	0.44	0.42	0.50	0.47	0.42	0.53	0.58	0.56	0.65	0.52	0.58	0.62	0.72	0.70	0.85	0.90	0.67	0.70	1.08	1.38	1.14	0.68	1.01	1.28	2.31	1.87	2.11	2.04	2.67	1.24	1.06	0.54	0.90	0.63	0.91	-0.80	1.56	0.86	0.76	0.98	0.70	1.03	1.42	1.30	1.18	0.85	-
Surprise	-	4.00%	0.00%	22.64%	3.85%	0.00%	3.39%	7.58%	-44.62%	-5.56%	-76.60%	-27.91%	10.00%	10.53%	2.04%	0.00%	-19.23%	29.27%	1.75%	-1.75%	20.37%	1.96%	-1.69%	1.64%	2.86%	4.48%	2.41%	11.11%	-14.10%	2.94%	13.68%	24.32%	60.56%	4.62%	83.64%	50.59%	97.44%	29.86%	35.26%	11.48%	44.32%	22.77%	17.78%	20.00%	63.64%	21.15%	15.19%	-286.05%	77.27%	50.88%	-27.62%	10.11%	2.94%	43.06%	-2.74%	0.78%	20.41%	4.94%	-
Timing	-	After-hours	After-hours	-	After-hours	After-hours	After-hours	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap280.74M

Enterprise Value1.99B

Trailing P/E6.41

Forward P/E6.52

PEG Ratio0.90

Price / Sales0.43

Price / Book0.75

EPS4.75

Book Value40.51

Revenue (TTM)647.84M

Gross Profit (TTM)387.11M

EBITDA169.45M

Profit Margin7.23%

Operating Margin20.81%

Return on Equity12.63%

Return on Assets4.61%

Shares Outstanding9.23M

Shares Float6.53M

Beta0.99

Dividend Yield3.89%

Dividend Rate1.20

Payout Ratio25.26%

Analyst Ratings

Buy

Based on 6 analystsTarget 43.83

Strong Buy
2
Hold
4

Ownership Breakdown

Institutions: 90.71%
Insiders: 10.10%
Retail / Other: 0.00%

Top Institutional Holders

BlackRock Inc
1.14M12.32%
Forager Capital Management, LLC
948.46K10.28%
Basswood Capital Management LLC
855.42K9.27%
Dimensional Fund Advisors, Inc.
690.61K7.49%
Vanguard Capital Management, LLC
344.84K3.74%
LSV Asset Management
341.63K3.70%
Tieton Capital Management, LLC
318.26K3.45%
American Century Companies Inc
289.16K3.13%
Renaissance Technologies Corp
223.23K2.42%
Geode Capital Management, LLC
212.59K2.30%
State Street Corp
173.98K1.89%
The Goldman Sachs Group Inc
162.80K1.76%
Charles Schwab Investment Management Inc
159.83K1.73%
SEI Investments Co
157.15K1.70%
Wellington Management Company LLP
124.79K1.35%
Bridgeway Capital Management, LLC
117.21K1.27%

Top Fund Holders

Avantis US Small Cap Value ETF
266.03K2.88%
iShares Russell 2000 ETF
246.20K2.67%
Vanguard MStar Total Stk Mkt Idx Invest
230.10K2.49%
DFA US Small Cap Value I
161.46K1.75%

Dividends

20263×

0.30Aug 19, 20260.30May 20, 20260.30Feb 19, 2026

20254×

0.30Nov 25, 20250.30Aug 20, 20250.30May 21, 20250.30Feb 20, 2025

20244×

0.30Nov 21, 20240.30Aug 21, 20240.30May 21, 20240.30Feb 21, 2024

20234×

0.30Nov 21, 20230.30Aug 22, 20230.30May 23, 20230.30Feb 21, 2023

20224×

0.30Nov 22, 20220.30Aug 23, 20220.30May 24, 20220.30Feb 22, 2022

20214×

0.25Nov 23, 20210.25Aug 24, 20210.25May 25, 20210.20Feb 22, 2021

20201×

0.20Nov 16, 2020