Regional Management Corp. (RM) is a Financial - Credit Services company in the Financial Services sector, currently trading at $37.96. It has a SharesGrow Score of 60/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of RM = $112.59 (+196.6% from the current price, the stock appears undervalued).
Valuation: RM trades at a trailing Price-to-Earnings (P/E) of 7.9 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.24.
Financials: revenue is $646M, +11%/yr average growth. Net income is $44M, growing at +32.4%/yr. Net profit margin is 6.9% (thin). Gross margin is 52.3% (-12.8 pp trend).
Balance sheet: total debt is $1.7B against $373M equity (Debt-to-Equity (D/E) ratio 4.65, leveraged). Current ratio is 8.39 (strong liquidity). Debt-to-assets is 79.4%. Total assets: $2.2B.
Analyst outlook: 2 / 15 analysts rate RM as buy (13%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 91/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 43/100 (Fail), Future 20/100 (Fail), Income 45/100 (Partial).
