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About the company
Regional Management Corp. is a diversified consumer finance company. The Company provides instalment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. Its products include small, large, and retail instalment loans. It offers small instalment loans with cash proceeds to customers ranging from $500 to $2,500, with terms of up to 48 months. It offers large instalment loans with cash proceeds to customers ranging from $2,501 to $25,000, with terms between 18 and 60 months. It offers indirect retail instalment loans of up to $7,500, with terms between six and 48 months, which are secured by the purchased items. It offers its customers optional payment and collateral protection insurance relating to various of its loan products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance. It operates under the name Regional Finance.
- Revenue in USD (TTM)451.47m
- Net income in USD89.95m
- Incorporated2011
- Employees1.69k
- LocationRegional Management Corp509 West Butler RoadGREENVILLE 29607United StatesUSA
- Phone+1 (864) 422-8011
- Fax+1 (302) 655-5049
- Websitehttp://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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Chicago Atlantic Real Estate Fin Inc | -100.00bn | -100.00bn | 276.88m | -- | -- | 1.03 | -- | -- | -- | -- | -- | 15.17 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.00 | -- | -- | -- | -- | -- | -- | -- |
| Qudian Inc - ADR | 200.39m | -4.80m | 277.72m | 940.00 | -- | 0.1509 | -- | 1.39 | -0.0269 | -0.0269 | 0.7799 | 7.29 | 0.0969 | -- | 38.80 | 213,179.20 | -0.2541 | 12.13 | -0.2644 | 16.68 | 82.10 | 88.30 | -2.62 | 35.52 | -- | -- | 0.0348 | 0.00 | -55.15 | 2.77 | -38.56 | 0.4272 | 153.09 | -- |
| Lesaka Technologies Inc | 135.34m | -27.25m | 301.81m | 3.08k | -- | 1.17 | -- | 2.23 | -0.4817 | -0.4817 | 2.39 | 4.37 | 0.3184 | 4.26 | 5.32 | 43,954.86 | -4.98 | -5.90 | -5.86 | -9.44 | 33.39 | 42.96 | -15.63 | -18.17 | 3.53 | -- | 0.1529 | -- | -9.36 | -26.03 | 60.47 | -- | -34.59 | -- |
| Federal Home Loan Mortgage Corp | 68.88bn | 220.00m | 325.03m | 7.28k | 1.48 | -- | -- | 0.0047 | 0.3384 | 0.3384 | 105.96 | 48.78 | 0.0236 | -- | -- | 9,456,617.00 | 0.4492 | 0.4078 | 0.457 | 0.4255 | -- | -- | 19.08 | 14.11 | -- | 1.31 | 0.9897 | 0.00 | -2.33 | 1.64 | 1,297.14 | 38.20 | -- | -- |
| AFC Gamma Inc | 50.16m | 29.76m | 332.27m | 0.00 | 9.66 | 0.9874 | 13.22 | 6.62 | 1.74 | 1.74 | 2.99 | 17.04 | 0.1485 | -- | -- | -- | 8.81 | -- | 9.12 | -- | 77.49 | -- | 59.33 | -- | -- | -- | 0.2231 | -- | 569.58 | -- | 386.84 | -- | -- | -- |
| Angel Oak Mortgage Inc | 56.82m | -31.93m | 342.00m | 900.00 | -- | 0.8169 | -- | 6.02 | -1.27 | -1.27 | 2.46 | 16.80 | 0.0304 | -- | 3.17 | 63,130.00 | -1.71 | -- | -2.18 | -- | 96.45 | -- | -56.17 | -- | -- | 0.4496 | 0.854 | -- | 47.29 | -- | 2,826.21 | -- | -- | -- |
| Velocity Financial Inc | 202.90m | 21.60m | 364.97m | 215.00 | 13.30 | 1.06 | 12.18 | 1.80 | 0.8472 | 0.8472 | 5.94 | 10.64 | 0.0769 | -- | 16.02 | 943,734.90 | 1.10 | 0.9142 | 1.14 | 0.9364 | 95.63 | 95.42 | 14.32 | 11.43 | -- | 1.35 | 0.8847 | 0.00 | 8.55 | 19.29 | 166.18 | 24.87 | -35.36 | -- |
| Regional Management Corp | 451.47m | 89.95m | 379.63m | 1.69k | 4.52 | 1.29 | 3.72 | 0.8409 | 8.69 | 8.69 | 43.48 | 30.47 | 0.3478 | -- | -- | 266,982.80 | 6.93 | 4.33 | 7.35 | 4.52 | -- | -- | 19.92 | 12.80 | -- | 5.29 | 0.7898 | 5.50 | 14.56 | 12.24 | 231.79 | 29.84 | -10.18 | -- |
| LexinFintech Holdings Ltd - ADR | 1.52bn | 254.27m | 403.81m | 3.90k | 1.78 | 0.3318 | -- | 0.2661 | 1.23 | 1.23 | 7.51 | 6.60 | 0.4973 | 85.54 | 2.88 | 389,520.60 | 8.35 | 9.11 | 16.69 | 24.97 | 47.70 | 39.97 | 16.79 | 15.90 | 1.82 | 9.64 | 0.487 | 0.00 | -2.27 | 21.27 | 292.27 | -- | 30.47 | -- |
| America First Multifamily Investors LP | 73.27m | 49.46m | 418.78m | 0.00 | 8.17 | 1.24 | 8.02 | 5.72 | 2.33 | 2.33 | 3.47 | 19.66 | 0.0566 | -- | 9.28 | -- | 4.43 | 2.72 | 4.55 | 2.95 | 71.81 | 69.06 | 78.30 | 38.95 | -- | -- | 0.6838 | 68.90 | 23.27 | -1.29 | 649.47 | 9.84 | -56.87 | -5.84 |
| Sunlight Financial Holdings Inc | 142.97m | -152.17m | 427.59m | 214.00 | -- | 0.7769 | -- | 2.99 | -1.62 | -1.62 | 1.69 | 4.16 | 0.2157 | -- | -- | 668,079.40 | -37.47 | -- | -49.89 | -- | 83.18 | -- | -173.69 | -- | -- | -- | 0.0235 | -- | -- | -- | -760.42 | -- | -- | -- |
| EZCORP Inc | 803.45m | 29.59m | 436.81m | 6.50k | 21.79 | 0.6471 | 7.33 | 0.5437 | 0.3538 | 0.3538 | 11.60 | 11.91 | 0.6437 | 3.06 | 24.40 | 123,608.20 | 2.37 | 0.2707 | 2.64 | 0.3072 | 60.79 | 58.34 | 3.68 | 0.3877 | 3.59 | 4.54 | 0.3162 | 0.00 | -11.33 | -0.0261 | 112.58 | -- | 19.84 | -- |
| CompoSecure Inc | 267.95m | 13.51m | 439.77m | 715.00 | 3.00 | -- | 4.13 | 1.64 | -0.3542 | -0.3542 | 2.80 | -13.36 | 1.45 | -- | -- | 374,752.40 | 45.26 | -- | -- | -- | 54.06 | -- | 31.13 | -- | 0.867 | 6.83 | -- | -- | -- | -- | 353.00 | -- | -- | -- |
| Invesco Mortgage Capital Inc | 193.19m | -348.91m | 442.42m | 0.00 | -- | 0.632 | -- | 2.29 | -11.21 | -11.21 | 6.41 | 34.19 | 0.0229 | -- | 4.16 | -- | -3.67 | -1.41 | -22.97 | -6.58 | 83.66 | 47.54 | -160.02 | -45.41 | -- | 0.3311 | 0.8381 | -- | -37.10 | -16.77 | 92.29 | -- | -- | -23.51 |
| Loandepot Inc | 3.59bn | 33.91m | 461.33m | 11.31k | 5.36 | 0.8135 | 3.26 | 0.1286 | 0.2759 | 0.2759 | 26.96 | 1.82 | 0.2997 | -- | 35.87 | 317,278.40 | 0.8687 | -- | 1.04 | -- | 86.11 | 88.52 | 2.90 | 19.36 | -- | 1.22 | 0.8369 | -- | -7.17 | 26.75 | -94.36 | -7.63 | -- | -- |
| Runway Growth Finance Corp | 74.19m | 39.10m | 468.60m | 0.00 | 10.59 | 0.7855 | 11.98 | 6.32 | 1.07 | 1.07 | 2.02 | 14.45 | 0.1074 | -- | 195.67 | -- | 5.66 | 6.58 | 6.37 | 8.81 | 70.65 | 70.72 | 52.70 | 62.75 | -- | 7.14 | 0.2051 | 13.75 | 23.83 | -- | -2.90 | -- | -- | -- |
Data as of Jun 24 2022. Currency figures normalised to Regional Management Corp's reporting currency: US Dollar USD
56.55%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Basswood Capital Management LLCas of 26 May 2022 | 1.18m | 12.23% |
| Dimensional Fund Advisors LPas of 31 Mar 2022 | 798.85k | 8.26% |
| BlackRock Fund Advisorsas of 31 Mar 2022 | 708.36k | 7.32% |
| Wellington Management Co. LLPas of 31 Mar 2022 | 602.48k | 6.23% |
| Forager Capital Management LLCas of 31 Mar 2022 | 541.64k | 5.60% |
| The Vanguard Group, Inc.as of 31 Mar 2022 | 420.64k | 4.35% |
| Fidelity Management & Research Co. LLCas of 31 Mar 2022 | 381.52k | 3.95% |
| LSV Asset Managementas of 31 Mar 2022 | 358.40k | 3.71% |
| Renaissance Technologies LLCas of 31 Mar 2022 | 276.04k | 2.85% |
| Acadian Asset Management LLCas of 31 Mar 2022 | 199.24k | 2.06% |
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Data from 31 Mar 2022 - 31 Mar 2022Source: FactSet Research Systems Inc.
