Regional Management Corp. (RM) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

LendingClub Corp.

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Regional Management Corp.

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Runway Growth Finance Corp.

TROOPS, Inc.

Why is Regional Management Corp. ?

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.51%

Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 281.28 MM
RAW MATERIAL COST(Y) Fallen by 0.1% (YoY)
NET SALES(Q) Highest at USD 157.44 MM

With ROE of 9.23%, it has a attractive valuation with a 1.08 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 17.17%, its profits have risen by 47% ; the PEG ratio of the company is 0.3

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Regional Management Corp. should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Regional Management Corp. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Regional Management Corp.

34.39%

0.99

41.57%

S&P 500

25.41%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.54%

EBIT Growth (5y)

14.34%

EBIT to Interest (avg)

6.16

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

23.73%

Dividend Payout Ratio

26.98%

Pledged Shares

Institutional Holding

92.23%

ROCE (avg)

146.78%

ROE (avg)

15.51%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.14

EV to EBIT

0.84

EV to EBITDA

0.81

EV to Capital Employed

1.19

EV to Sales

0.51

PEG Ratio

0.75

Dividend Yield

2.77%

ROCE (Latest)

141.05%

ROE (Latest)

11.90%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 326.41 MM

ROCE(HY)

Highest at 13.3%

RAW MATERIAL COST(Y)

Fallen by 0.51% (YoY

DEBTORS TURNOVER RATIO(HY)

Highest at 0.38 times

PRE-TAX PROFIT(Q)

At USD 14.84 MM has Grown at 61.94%

NET PROFIT(Q)

At USD 11.4 MM has Grown at 62.71%

-1What is not working for the Company

DEBT-EQUITY RATIO (HY)

Highest at 414.38 %

Here's what is working for Regional Management Corp.

Operating Cash Flow

Highest at USD 326.41 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Pre-Tax Profit

At USD 14.84 MM has Grown at 61.94%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 11.4 MM has Grown at 62.71%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Debtors Turnover Ratio

Highest at 0.38 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Raw Material Cost

Fallen by 0.51% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Depreciation

Highest at USD 4.77 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for Regional Management Corp.

Debt-Equity Ratio

Highest at 414.38 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio