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About the company
Regional Management Corp. is a diversified consumer finance company. The Company provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. Its products include small and large installment loans. It provides its customers optional payment and collateral protection insurance. It offers small installment loans with cash proceeds to customers ranging from $500 to $2,500, with terms of up to 48 months. It offers large installment loans with cash proceeds to customers ranging from $2,501 to $25,000, with terms between 18 and 60 months. It offers its customers optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance. The Company also offers indirect retail installment loans of up to $7,500. It operates under the name Regional Finance.
- Revenue in USD (TTM)560.33m
- Net income in USD22.47m
- Incorporated2011
- Employees2.08k
- LocationRegional Management Corp979 Batesville Road, Suite BGREER 29651United StatesUSA
- Phone+1 (864) 448-7000
- Fax+1 (302) 655-5049
- Websitehttps://www.regionalmanagement.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| X Financial (ADR) | 664.90m | 163.89m | 204.13m | 521.00 | 1.24 | 0.2515 | -- | 0.307 | 3.34 | 3.34 | 13.57 | 16.50 | 0.47 | -- | 3.41 | 1,276,203.00 | 11.26 | 5.65 | 13.46 | 7.70 | 40.40 | 38.29 | 23.96 | 13.10 | -- | 118.06 | 0.4187 | -- | 35.14 | 6.34 | 46.16 | 6.09 | -26.18 | -- |
| SWK Holdings Corp | 40.13m | 12.11m | 214.91m | 22.00 | 17.97 | 0.7673 | 14.76 | 5.36 | 0.9586 | 0.9586 | 3.18 | 22.46 | 0.1288 | -- | 7.50 | 1,744,696.00 | 3.89 | 6.09 | 4.00 | 6.24 | -- | -- | 30.19 | 41.57 | -- | -- | 0.0994 | 0.00 | -8.98 | 7.76 | 17.76 | 20.73 | -- | -- |
| Fintech Scion Ltd | 2.42m | -40.66m | 216.63m | 23.00 | -- | 17.77 | -- | 89.51 | -0.0694 | -0.0694 | 0.0081 | 0.0613 | 0.057 | 96.52 | 2.61 | 105,225.20 | -95.79 | -46.61 | -105.35 | -67.73 | 71.55 | 85.82 | -1,680.15 | -628.01 | 1.57 | -- | 0.00 | -- | -21.53 | 133.07 | -786.97 | -- | -1.16 | -- |
| LexinFintech Holdings Ltd - ADR | 1.84bn | 129.82m | 236.36m | 4.27k | 2.53 | 0.22 | -- | 0.1285 | 0.7272 | 0.7272 | 10.45 | 8.36 | 0.5562 | 211.49 | 2.51 | 430,848.40 | 3.93 | 7.03 | 7.96 | 15.32 | 36.10 | 38.77 | 7.06 | 12.58 | 1.72 | 2.13 | 0.3492 | 1.91 | 32.35 | 11.44 | 30.03 | -11.62 | 33.45 | -- |
| Paysign Inc | 50.32m | 6.93m | 239.99m | 123.00 | 35.18 | 9.42 | 21.06 | 4.77 | 0.1288 | 0.1288 | 0.9393 | 0.4807 | 0.349 | -- | 2.25 | 409,113.40 | 4.81 | 0.7595 | 29.11 | 3.37 | 51.72 | 50.90 | 13.77 | 1.77 | -- | -- | 0.00 | 0.00 | 24.30 | 15.08 | 528.42 | 20.07 | 34.61 | -- |
| AFC Gamma Inc | 60.70m | 10.87m | 242.84m | 0.00 | 21.96 | 0.7818 | 22.33 | 4.00 | 0.535 | 0.535 | 2.98 | 15.03 | 0.1313 | -- | -- | -- | 2.35 | -- | 2.64 | -- | 77.23 | -- | 17.91 | -- | -- | 3.71 | 0.2211 | -- | -16.37 | -- | -41.69 | -- | -- | -- |
| Better Home & Finance Holding Co | 88.50m | -536.42m | 249.35m | -- | -- | 2.02 | -- | 2.82 | -0.7138 | -0.7138 | 0.1177 | 0.1631 | 0.0889 | 191.76 | 5.34 | -- | -53.86 | -- | -62.30 | -- | -23.40 | -- | -606.12 | -- | -- | -1.07 | 0.8419 | -- | -77.88 | -- | 39.65 | -- | -- | -- |
| Regional Management Corp | 560.33m | 22.47m | 272.15m | 2.08k | 11.95 | 0.8065 | 7.45 | 0.4857 | 2.30 | 2.30 | 58.37 | 34.10 | 0.3241 | -- | -- | 269,259.50 | 1.30 | 3.33 | 1.35 | 3.78 | -- | -- | 4.01 | 10.26 | -- | 1.43 | 0.8011 | 15.80 | 8.72 | 12.45 | -68.85 | -14.70 | 12.17 | -- |
| Lesaka Technologies Inc | 551.33m | -23.73m | 283.65m | 2.30k | -- | 1.66 | 101.56 | 0.5145 | -0.3924 | -0.3924 | 9.10 | 2.68 | 0.944 | 15.76 | 16.06 | 239,394.30 | -3.50 | -15.07 | -4.45 | -19.88 | 21.55 | 23.42 | -3.71 | -39.23 | 1.41 | 0.252 | 0.4625 | -- | 137.17 | 2.81 | 20.06 | -- | 11.43 | -- |
| CPI Card Group Inc | 435.63m | 18.57m | 291.30m | 1.45k | 16.74 | -- | 8.39 | 0.6687 | 1.56 | 1.56 | 36.64 | -4.25 | 1.41 | 3.68 | 6.02 | 300,850.10 | 6.01 | 6.77 | 7.63 | 8.61 | 35.33 | 35.75 | 4.26 | 4.65 | 1.32 | 2.08 | 1.22 | 0.00 | -6.56 | 11.69 | -34.36 | -- | 2.60 | -- |
| Chicago Atlantic Real Estate Finance Inc | 61.89m | 36.75m | 299.87m | 0.00 | 7.98 | 1.05 | -- | 4.85 | 1.97 | 1.97 | 3.34 | 14.97 | 0.1752 | -- | 17.09 | -- | 10.40 | -- | 11.39 | -- | 89.92 | -- | 59.37 | -- | -- | -- | 0.2213 | -- | 22.55 | -- | 19.87 | -- | -- | -- |
| Angel Oak Mortgage REIT Inc | 30.68m | 46.06m | 311.32m | -- | 6.77 | 1.18 | -- | 10.15 | 1.84 | 1.84 | 1.23 | 10.55 | 0.0127 | -- | 2.53 | -- | 1.90 | -1.62 | 2.71 | -2.36 | 94.21 | 93.98 | 150.12 | -72.40 | -- | -- | 0.8605 | -- | -44.97 | 121.59 | 117.95 | -- | -- | -- |
| Qudian Inc (ADR) | 17.45m | 5.40m | 323.88m | 305.00 | 213.91 | 0.2383 | -- | 18.56 | 0.008 | 0.008 | 0.0796 | 7.18 | 0.01 | -- | 9.76 | 57,201.42 | 0.3102 | 6.15 | 0.3276 | 6.94 | -26.73 | 89.41 | 30.98 | 30.14 | -- | -- | 0.00 | 0.00 | -78.12 | -56.04 | 110.81 | -56.43 | 32.11 | -- |
| Athena Bitcoin Global | 191.81m | 11.16m | 335.75m | 41.00 | 32.93 | 30.84 | 25.14 | 1.75 | 0.0025 | 0.0025 | 0.0428 | 0.0027 | 6.19 | -- | 522.63 | -- | 36.01 | -- | 67.03 | -- | 14.14 | -- | 5.82 | -- | -- | 46.89 | 0.4277 | -- | 160.30 | -- | 169.73 | -- | -- | -- |
| NewtekOne Inc | 217.22m | 43.66m | 340.09m | 528.00 | 7.59 | 1.45 | 7.37 | 1.57 | 1.81 | 1.81 | 8.94 | 10.28 | 0.1574 | -- | 4.42 | 411,393.90 | 3.28 | 5.04 | 5.26 | 5.74 | 91.41 | -- | 20.82 | 33.12 | -- | 0.9825 | 0.8222 | 99.33 | 42.08 | 17.02 | 41.98 | 5.16 | -6.09 | -16.74 |
| Greystone Housing Impact Investors LP | 102.33m | 43.44m | 351.66m | 0.00 | 7.97 | 1.03 | 7.89 | 3.44 | 1.89 | 1.89 | 4.46 | 18.37 | 0.0663 | -- | 9.11 | -- | 3.10 | 3.05 | 3.33 | 3.42 | 36.58 | 56.90 | 46.78 | 50.30 | -- | -- | 0.70 | 68.38 | 29.39 | 3.50 | -28.95 | 5.71 | 8.41 | 0.9772 |
Data as of May 31 2024. Currency figures normalised to Regional Management Corp's reporting currency: US Dollar USD
59.39%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Forager Capital Management LLCas of 03 May 2024 | 1.09m | 11.01% |
| Basswood Capital Management LLCas of 07 May 2024 | 1.01m | 10.28% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 905.26k | 9.17% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 745.34k | 7.55% |
| Wellington Management Co. LLPas of 31 Mar 2024 | 693.86k | 7.03% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 435.52k | 4.41% |
| LSV Asset Managementas of 31 Mar 2024 | 390.96k | 3.96% |
| Khrom Capital Management LLCas of 31 Mar 2024 | 204.23k | 2.07% |
| Renaissance Technologies LLCas of 31 Mar 2024 | 199.74k | 2.02% |
| BlackRock Financial Management, Inc.as of 31 Mar 2024 | 185.40k | 1.88% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
