RM Stock - Regional Management Corp.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $588.50M | $551.40M | $507.19M | $428.35M | $373.91M |
| Gross Profit | $301.77M | $263.90M | $287.85M | $307.99M | $212.24M |
| Gross Margin | 51.3% | 47.9% | 56.8% | 71.9% | 56.8% |
| Operating Income | $54.08M | $20.78M | $65.32M | $112.47M | $35.93M |
| Net Income | $41.23M | $15.96M | $51.22M | $88.69M | $26.73M |
| Net Margin | 7.0% | 2.9% | 10.1% | 20.7% | 7.1% |
| EPS | $4.28 | $1.70 | $5.51 | $8.84 | $2.45 |
Regional 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 card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally managed direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of February 24, 2022, the company operated through a network of approximately 350 branches in 14 states. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| November 13th 2024 | Stephens | Initiation | Overweight | $38 |
| June 7th 2024 | BTIG Research | Initiation | Neutral | - |
Earnings History & Surprises
RMEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 28, 2026 | — | — | — | — |
Q1 2026 | Feb 4, 2026 | $1.23 | — | — | — |
Q4 2025 | Nov 5, 2025 | $1.46 | $1.42 | -2.7% | ✗ MISS |
Q3 2025 | Jul 30, 2025 | $0.72 | $1.03 | +43.1% | ✓ BEAT |
Q2 2025 | Apr 30, 2025 | $0.67 | $0.70 | +4.5% | ✓ BEAT |
Q1 2025 | Feb 5, 2025 | $0.88 | $0.98 | +11.4% | ✓ BEAT |
Q4 2024 | Nov 6, 2024 | $1.05 | $1.18 | +12.4% | ✓ BEAT |
Q3 2024 | Jul 31, 2024 | $0.57 | $0.86 | +50.9% | ✓ BEAT |
Q2 2024 | May 1, 2024 | $0.87 | $1.56 | +79.3% | ✓ BEAT |
Q1 2024 | Feb 7, 2024 | $0.37 | $0.54 | +45.9% | ✓ BEAT |
Q4 2023 | Nov 1, 2023 | $0.79 | $0.91 | +15.2% | ✓ BEAT |
Q3 2023 | Aug 2, 2023 | $0.52 | $0.63 | +21.2% | ✓ BEAT |
Q2 2023 | May 3, 2023 | $0.55 | $0.90 | +63.6% | ✓ BEAT |
Q1 2023 | Feb 8, 2023 | $0.61 | $0.54 | -11.5% | ✗ MISS |
Q4 2022 | Nov 1, 2022 | $0.90 | $1.06 | +17.8% | ✓ BEAT |
Q3 2022 | Aug 3, 2022 | $1.01 | $1.24 | +22.8% | ✓ BEAT |
Q2 2022 | May 4, 2022 | $1.85 | $2.67 | +44.3% | ✓ BEAT |
Q1 2022 | Feb 9, 2022 | $1.84 | $2.04 | +10.9% | ✓ BEAT |
Q4 2021 | Nov 2, 2021 | $1.56 | $2.11 | +35.3% | ✓ BEAT |
Q3 2021 | Aug 3, 2021 | $1.46 | $1.87 | +28.1% | ✓ BEAT |
Latest News
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