Regional Management Valuation
| RM Stock | USD 32.31 0.61 1.85% |
At this time, the company appears to be fairly valued. Regional Management Corp holds a recent Real Value of $32.45 per share. The prevailing price of the company is $32.31. Our model determines the value of Regional Management Corp from analyzing the company fundamentals such as Return On Equity of 0.0951, operating margin of 0.20 %, and Shares Outstanding of 9.92 M as well as examining its technical indicators and probability of bankruptcy.
Price Book 0.8921 | Enterprise Value 1.8 B | Price Sales 0.5549 | Forward PE 6.5189 | Trailing PE 9.811 |
Fairly Valued
Today
Please note that Regional Management's price fluctuation is very steady at this time. Calculation of the real value of Regional Management Corp is based on 3 months time horizon. Increasing Regional Management's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Regional stock is determined by what a typical buyer is willing to pay for full or partial control of Regional Management Corp. Since Regional Management is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Regional Stock. However, Regional Management's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 32.31 | Real 32.45 | Target 38.75 | Hype 32.32 | Naive 31.1 |
The intrinsic value of Regional Management's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Regional Management's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Regional Management Corp helps investors to forecast how Regional stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Regional Management more accurately as focusing exclusively on Regional Management's fundamentals will not take into account other important factors: Regional Management Total Value Analysis
Regional Management Corp is at this time expected to have takeover value of 1.8 B with market capitalization of 320.54 M, debt of 1.51 B, and cash on hands of 13.01 M. Please note that takeover value may be misleading and is a subject to accounting mistakes. We encourage investors to methodically examine all of the Regional Management fundamentals before making investment evaluation based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
1.8 B | 320.54 M | 1.51 B | 13.01 M |
Regional Management Investor Information
About 86.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.89. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Regional Management Corp has Price/Earnings To Growth (PEG) ratio of 0.42. The entity last dividend was issued on the 21st of May 2025. The firm had 5:1 split on the 13th of August 2003. Based on the key indicators related to Regional Management's liquidity, profitability, solvency, and operating efficiency, Regional Management Corp is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in August.Regional Management Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Regional Management has an asset utilization ratio of 30.83 percent. This suggests that the Company is making $0.31 for each dollar of assets. An increasing asset utilization means that Regional Management Corp is more efficient with each dollar of assets it utilizes for everyday operations.Regional Management Ownership Allocation
The market capitalization of Regional Management Corp is $320.54 Million. The majority of Regional Management Corp outstanding shares are owned by third-party entities. These institutional holders are usually referred to as non-private investors looking to secure positions in Regional Management Corp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Regional Management. Please pay attention to any change in the institutional holdings of Regional Management Corp as this could imply that something significant has changed or is about to change at the company. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Regional Management Profitability Analysis
The company generated the yearly revenue of 588.5 M. Reported Net Income was 41.23 M with gross profit of 353.88 M.Regional Management Past Distributions to stockholders
About Regional Management Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Regional Management Corp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Regional Management Corp based exclusively on its fundamental and basic technical indicators. By analyzing Regional Management's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Regional Management's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Regional Management. We calculate exposure to Regional Management's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Regional Management's related companies.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. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina. Regional Managment operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 1691 people.
Regional Management Quarterly Retained Earnings |
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A single share of Regional Management represents a small ownership stake in the entity. As a stockholder of Regional, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Regional Management Dividends Analysis For Valuation
There are various types of dividends Regional Management can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Regional shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Regional Management Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Regional pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Regional Management by the value of the dividends paid out.
Regional Management Growth Indicators
Investing in growth stocks can be very risky. If the company such as Regional Management does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 10.1 M | |
| Quarterly Earnings Growth Y O Y | -0.551 | |
| Forward Price Earnings | 6.5189 |
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population. You can also try the ETF Categories module to list of ETF categories grouped based on various criteria, such as the investment strategy or type of investments.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Regional Management. If investors know Regional will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Regional Management listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.55) | Dividend Share 1.2 | Earnings Share 3.28 | Revenue Per Share 59.858 | Quarterly Revenue Growth 0.058 |
The market value of Regional Management Corp is measured differently than its book value, which is the value of Regional that is recorded on the company's balance sheet. Investors also form their own opinion of Regional Management's value that differs from its market value or its book value, called intrinsic value, which is Regional Management's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Regional Management's market value can be influenced by many factors that don't directly affect Regional Management's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Regional Management's value and its price as these two are different measures arrived at by different means. Investors typically determine if Regional Management is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Regional Management's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.