RM$39.0329
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Powered by LiveAIOverall Analysis
NeutralRegional Management Corp. exhibits a mixed investment profile. Strong historical profitability and dividend yield are balanced by a weaker current technical outlook and moderate growth.
Thematic
The company operates in the consumer finance sector, benefiting from demand for credit from underserved populations, but faces competition and economic sensitivity.
Fundamental
The company demonstrates solid profitability and a strong dividend yield. However, revenue and net income have shown some volatility, and valuation multiples are moderate.
Technical
The stock is trading above key moving averages, indicating a generally bullish trend. However, some oscillators suggest potential overbought conditions on shorter timeframes.
| Factor | Score |
|---|---|
| Consumer Lending Demand | 70 |
| Economic Sensitivity | 45 |
| Regulatory Environment | 50 |
| Digital Transformation | 65 |
| Competitive Landscape | 55 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 70 |
| Growth | 55 |
| Balance Sheet Health | 40 |
| Cash Flow | 75 |
| Dividend Yield | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 75 |
| Momentum | 60 |
| Volume Confirmation | 65 |
| Support & Resistance | 70 |
| Short-term Oscillators | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Positive EPS Surprise Trend
The company has shown a trend of positive EPS surprises in recent quarters, with 3 out of the last 4 quarters exceeding analyst estimates, indicating consistent operational performance.
Consistent Dividend Payments
The company has consistently paid dividends, with a current dividend yield of 3.78%, demonstrating a commitment to returning value to shareholders.
Bearish Points (7)
High Price-to-Sales Ratio
The trailing P/S ratio of 0.8 is on the lower side, but recent quarterly P/S ratios are higher (e.g., 2.5 in Q1 2025), which could indicate increasing valuation multiples.
Slowing Revenue Growth
While annual revenue increased in 2024 to $513.97 million from $483.94 million in 2023, the quarterly revenue growth has seen fluctuations, with Q1 2025 revenue at $133.2 million compared to $126.8 million in Q1 2024, indicating a modest growth rate.
Calendar
May 2025
21
Ex-Dividend Date
June 2025
11
Next Dividend Date
July 2025
31
Next Earnings Date
H: $0.76
A: $0.72
L: $0.71
H: 156.90M
A: 155.21M
L: 152.23M
Profile
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, accident 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.
Seasonals
Price Target
38.75 USD
The 39 analysts offering 1 year price forecasts for RM have a max estimate of 45.00 and a min estimate of 30.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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