Regional Management Corp.
RMFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeRegional 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. The company carries a $393.2M market cap, placing it firmly in the small-cap category. It offers small and large loans, and related payment and collateral protection insurance products.
Market Cap
$393.2M
Beta
1.00
P/E (TTM)
8.56
P/E (Fwd)
5.80
EPS (TTM)
$4.99
EPS (Fwd)
$7.37
ROE
13.3%
ROA
4.8%
Cash
$4.9M
Total Debt
$1.66B
Free CF
-$112.6M
52W Change
29.7%
Annual Financials
Cash vs Debt
Regional Management Corp. carries $1.66B in total debt against $4.9M in cash reserves — debt is roughly 341.8x the cash position. Managing this leverage effectively will be important for long-term financial stability. Free cash flow is running at -$112.6M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 13.3% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 4.8% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $473.0M to $560.8M.
Regional Management Corp. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. No single metric tells the full story. Reviewing RM's risk profile alongside its fundamentals and technical indicators provides a more complete picture.