REGIONAL MANAGEMENT CORP. |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 26.42 USD | +0.61% |
|
+4.84% | +5.34% |
| 07/02 | Transcript : Regional Management Corp., Q4 2023 Earnings Call, Feb 07, 2024 | |
| 07/02 | Earnings Flash (RM) REGIONAL MANAGEMENT Posts Q4 Revenue $141.7M, vs. Street Est of $142M | MT |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 331.1 | 338.5 | 569.5 | 269.2 | 246.7 | 260.7 | - |
| Enterprise Value (EV) 1 | 331.1 | 338.5 | 569.5 | 269.2 | 246.7 | 260.7 | 260.7 |
| P/E ratio | 7.9 x | 12.4 x | 6.9 x | 5.3 x | 15.1 x | 6.75 x | 4.25 x |
| Yield | - | 0.67% | 1.65% | 4.27% | 4.78% | 4.54% | 4.54% |
| Capitalization / Revenue | 0.93 x | 0.91 x | 1.33 x | 0.53 x | 0.45 x | 0.45 x | 0.42 x |
| EV / Revenue | 0.93 x | 0.91 x | 1.33 x | 0.53 x | 0.45 x | 0.45 x | 0.42 x |
| EV / EBITDA | - | - | 36,63,168 x | 23,59,432 x | - | - | - |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | 1.09 x | 1.2 x | 1.99 x | 0.87 x | 0.76 x | 0.73 x | 0.65 x |
| Nbr of stocks (in thousands) | 11,027 | 11,336 | 9,912 | 9,586 | 9,835 | 9,868 | - |
| Reference price 2 | 30.03 | 29.86 | 57.46 | 28.08 | 25.08 | 26.42 | 26.42 |
| Announcement Date | 25/02/20 | 10/02/21 | 09/02/22 | 08/02/23 | 07/02/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 355.7 | 373.9 | 428.4 | 507.2 | 551.4 | 583.3 | 627.8 |
| EBITDA | - | - | 155.5 | 114.1 | - | - | - |
| EBIT 1 | 99.12 | 73.78 | 143.8 | 101.4 | 88.25 | 129.6 | 156.5 |
| Operating Margin | 27.86% | 19.73% | 33.58% | 19.99% | 16% | 22.22% | 24.93% |
| Earnings before Tax (EBT) 1 | 58.99 | 35.93 | 112.5 | 65.32 | 20.78 | 49.6 | 78.2 |
| Net income 1 | 44.73 | 26.73 | 88.69 | 51.22 | 15.96 | 37.43 | 59.45 |
| Net margin | 12.58% | 7.15% | 20.7% | 10.1% | 2.89% | 6.42% | 9.47% |
| EPS 2 | 3.800 | 2.400 | 8.330 | 5.300 | 1.660 | 3.915 | 6.213 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share 2 | - | 0.2000 | 0.9500 | 1.200 | 1.200 | 1.200 | 1.200 |
| Announcement Date | 25/02/20 | 10/02/21 | 09/02/22 | 08/02/23 | 07/02/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 111.5 | 119.5 | 120.8 | 122.9 | 131.5 | 132 | 135.4 | 133.5 | 140.9 | 141.7 | 140 | 142.5 | 147.9 | 152.8 | 153 |
| EBITDA | - | 36.13 | 38.13 | 26.35 | - | - | - | 27.6 | - | - | - | - | - | - | - |
| EBIT 1 | 37.61 | 32.94 | 34.89 | 23.35 | 25.22 | 17.94 | 28.39 | 24.04 | 27.84 | 7.978 | 29.59 | 31.25 | 34.13 | 34.61 | 39.92 |
| Operating Margin | 33.75% | 27.57% | 28.87% | 19% | 19.18% | 13.59% | 20.97% | 18.01% | 19.76% | 5.63% | 21.13% | 21.93% | 23.08% | 22.64% | 26.1% |
| Earnings before Tax (EBT) 1 | 28.8 | 25.35 | 34.95 | 15.79 | 13.35 | 1.232 | 11.6 | 7.813 | 10.9 | -9.532 | 11.05 | 13.5 | 13.87 | 11.18 | 18.8 |
| Net income 1 | 22.22 | 20.78 | 26.78 | 11.98 | 10.07 | 2.391 | 8.689 | 6.023 | 8.82 | -7.574 | 8.372 | 10.15 | 10.15 | 8.775 | 14.29 |
| Net margin | 19.94% | 17.39% | 22.16% | 9.75% | 7.66% | 1.81% | 6.42% | 4.51% | 6.26% | -5.35% | 5.98% | 7.12% | 6.87% | 5.74% | 9.34% |
| EPS 2 | 2.110 | 2.040 | 2.670 | 1.240 | 1.060 | 0.2500 | 0.9000 | 0.6300 | 0.9100 | -0.8000 | 0.8750 | 1.060 | 1.062 | 0.9175 | 1.520 |
| Dividend per Share 2 | 0.2500 | 0.2500 | 0.3000 | 0.3000 | 0.3000 | 0.3000 | 0.3000 | 0.3000 | - | 0.3000 | 0.3000 | 0.3000 | 0.3000 | 0.3000 | 0.3000 |
| Announcement Date | 02/11/21 | 09/02/22 | 04/05/22 | 03/08/22 | 01/11/22 | 08/02/23 | 03/05/23 | 02/08/23 | 01/11/23 | 07/02/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 15.4% | 10% | 31.6% | 17.3% | 5% | 11% | 15.6% |
| ROA (Net income/ Total Assets) | 4.3% | 2.5% | 7.2% | 3.22% | 0.9% | 1.93% | 2.85% |
| Assets 1 | 1,040 | 1,069 | 1,232 | 1,592 | 1,773 | 1,936 | 2,086 |
| Book Value Per Share 2 | 27.50 | 24.90 | 28.90 | 32.40 | 33.00 | 36.10 | 40.70 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 25/02/20 | 10/02/21 | 09/02/22 | 08/02/23 | 07/02/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C-
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
26.42
USD
Average target price
28.67
USD
Spread / Average Target
+8.50%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| +5.34% | 261M | |
| -8.14% | 49.88B | |
| -5.25% | 30.53B | |
| +20.03% | 23.38B | |
| +16.97% | 17.94B | |
| -6.99% | 11.81B | |
| +21.92% | 11.27B | |
| -20.90% | 8.31B | |
| +14.34% | 8.13B | |
| +36.65% | 6.39B |
- Stock Market
- Equities
- RM Stock
- Financials Regional Management Corp.
