ScoreWhy is Regional Management Corp. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.51%
2
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
3
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 ReportHow 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.
9.81%
0.99
41.57%
S&P 500
14.9%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality 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)
0
Sales to Capital Employed (avg)
0
Tax Ratio
23.73%
Dividend Payout Ratio
26.97%
Pledged Shares
0
Institutional Holding
87.89%
ROCE (avg)
146.78%
ROE (avg)
15.51%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.12
EV to EBIT
0.83
EV to EBITDA
0.80
EV to Capital Employed
1.17
EV to Sales
0.50
PEG Ratio
0.74
Dividend Yield
2.81%
ROCE (Latest)
141.05%
ROE (Latest)
11.90%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 309.06 MM
NET PROFIT(HY)
At USD 27.27 MM has Grown at 55.12%
ROCE(HY)
Highest at 12.16%
INTEREST COVERAGE RATIO(Q)
Highest at 484.44
RAW MATERIAL COST(Y)
Fallen by 0.35% (YoY
NET SALES(Q)
Highest at USD 169.7 MM
-1What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 426.21 %
Here's what is working for Regional Management Corp.
Operating Cash Flow
Highest at USD 309.06 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Interest Coverage Ratio
Highest at 484.44
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Profit
At USD 27.27 MM has Grown at 55.12%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 169.7 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Raw Material Cost
Fallen by 0.35% (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 4.52 MM
in the last five periodsMOJO 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 426.21 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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