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Regional Management Corp. Financial Ratios 2025-2009 | RM
Brief overview of Regional Management Corp.'s financial ratios
The comparison uses the five latest available annual observations between 2021 and 2025.
Key multiples at the end of the period are P/E 7.35x (median 7.35x), P/B 0.87x (median 0.93x), P/CF 1.06x (median 1.23x). On average, multiples differ from their five-year medians by only -5.7%. Valuation is near its familiar historical range.
At the current P/E, inverse earnings yield is 13.6%, a useful bridge between price and business earnings.
The latest available business-quality ratios are ROE 11.9%, ROA 2.1%. Profitability remains positive and sufficient for normal operations without indicating exceptional efficiency.
On PEG (0.24x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.
For this sector, valuation ratios are useful only alongside capital adequacy, reserves and credit-portfolio quality.
Conclusion
Regional Management Corp.'s valuation and business quality look relatively balanced, with no pronounced distortion in either direction.
Annual Financial Ratios Regional Management Corp.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
7.3 | 8.0 | 13.3 | 5.8 | 5.8 | 12.9 | 7.1 | 9.0 | 11.0 | 12.2 | 7.3 | 12.5 | 14.6 | 7.7 | - | - | - |
P/S |
0.5 | 0.6 | 0.4 | 0.6 | 1.2 | 0.9 | 1.0 | 1.2 | 1.3 | 1.3 | 0.8 | 1.0 | 2.7 | 1.6 | - | - | - |
EPS |
4.7 | 4.3 | 1.7 | 5.5 | 8.8 | 2.5 | 3.9 | 3.0 | 2.6 | 2.0 | 1.8 | 1.2 | 2.3 | 2.1 | 2.2 | 1.8 | - |
EV (Enterprise Value) |
2.05 B | 1.88 B | 1.68 B | 1.71 B | 1.68 B | 1.17 B | 1.17 B | 992 M | 914 M | 794 M | 587 M | 532 M | 789 M | 495 M | 246 M | -856 K | -3.02 M |
EBITDA per Share |
1.72 | 1.46 | 1.56 | 1.36 | 1.16 | 1.22 | - | - | - | - | - | - | - | - | - | 0.15 | - |
EV/EBITDA |
126.4 | 133.6 | 114.8 | 134.5 | 144.0 | 7.3 | - | - | - | - | - | - | - | - | - | -0.6 | - |
PEG |
0.96 | - | - | - | - | -0.29 | 0.24 | 0.53 | 0.4 | 1.06 | 0.13 | -0.25 | 2.64 | 0.3 | - | - | - |
P/B |
0.9 | 0.9 | 0.7 | 1.0 | 1.8 | 1.3 | 1.0 | 1.1 | 1.4 | 1.4 | 0.8 | 1.0 | 2.6 | 1.5 | - | - | - |
P/CF |
1.1 | 1.2 | 0.9 | 1.3 | 2.7 | 2.1 | 2.0 | 2.3 | 3.2 | 3.3 | 2.2 | 2.3 | 6.1 | 3.5 | - | - | - |
ROE % |
11.90 | 11.55 | 4.95 | 16.60 | 31.37 | 9.82 | 14.77 | 12.66 | 12.52 | 11.58 | 11.38 | 8.30 | 17.87 | 19.43 | - | 53.22 | - |
ROA % |
2.11 | 2.16 | 0.89 | 2.97 | 6.08 | 2.42 | 3.86 | 3.70 | 3.61 | 3.37 | 3.71 | 2.79 | 5.39 | 5.83 | - | - | - |
Current Ratio |
1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.3 | 0.0 | 0.1 | 0.3 | 0.3 | 0.6 | 0.4 | 0.4 | 0.3 | - | - | - |
DSO |
- | - | - | - | - | - | 4.5 | 4.4 | 18.4 | 1.9 | 1.2 | 4.8 | - | 17.7 | - | - | - |
DPO |
90.1 | 94.8 | 86.4 | 107.3 | 136.4 | 114.9 | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
-90.1 | -94.8 | -86.4 | -107.3 | -136.4 | -114.9 | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Regional Management Corp.
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.91 | 1.24 | 1.53 | 1.07 | 0.73 | - | 0.79 | 0.88 | 1.59 | - | 0.94 | 0.64 | 0.93 | - | 1.09 | 1.29 | 2.81 | 2.18 | 2.25 | 1.98 | 2.42 | 1.32 | 1.02 | 0.68 | -0.58 | 1.44 | 1.11 | 0.71 | 0.69 | 0.92 | 0.64 | 0.73 | 0.74 | 0.94 | 0.46 | 0.53 | 0.66 | 0.57 | 0.57 | 0.5 | 0.41 | 0.57 | 0.51 | 0.42 | 0.32 | 0.27 | 0.11 | 0.35 | 0.44 | 0.66 | 0.58 | 0.51 | 0.54 | 0.52 | 0.55 | 0.52 | 0.54 | 0.69 | 0.56 | 0.51 | 0.53 |
EBITDA per Share |
- | - | - | - | 0.37 | - | - | - | 0.37 | - | - | - | 0.44 | - | 0.99 | - | 0.34 | - | 0.86 | - | 0.27 | - | 0.86 | 0.52 | 0.26 | - | 0.7 | 0.46 | 0.22 | - | 0.55 | 0.35 | 0.17 | - | 0.46 | 0.28 | 0.14 | - | 0.43 | 0.28 | 0.12 | - | 0.22 | 0.14 | 0.07 | - | 0.23 | 0.16 | 0.08 | - | 0.2 | 0.13 | 0.06 | - | 0.15 | 0.1 | 0.07 | - | 0.11 | 0.07 | - |
ROE % |
11.84 | 11.65 | 10.78 | 9.37 | 11.10 | 9.14 | 11.81 | 11.51 | 11.80 | 7.29 | 10.55 | 11.89 | 18.99 | 16.24 | 23.59 | 28.34 | 31.55 | 31.58 | 29.51 | 25.63 | 21.15 | 9.82 | 9.73 | 9.75 | 9.77 | 14.77 | 13.45 | 11.97 | 12.24 | 12.66 | 13.35 | 23.20 | 32.67 | 42.09 | 40.66 | 39.73 | 38.80 | 37.86 | 38.34 | 38.14 | 37.94 | 37.74 | 36.05 | 32.97 | 29.88 | 26.80 | 30.10 | 39.67 | 49.23 | 58.80 | 58.60 | 60.17 | 61.73 | 63.29 | 70.57 | 60.95 | 50.44 | 40.35 | 9.81 | 8.93 | 9.33 |
ROA % |
2.16 | 2.14 | 2.01 | 1.78 | 2.06 | 1.69 | 2.19 | 2.12 | 2.16 | 1.36 | 1.99 | 3.28 | 4.35 | 3.84 | 5.53 | 4.90 | 6.60 | 7.13 | 7.01 | 6.33 | 5.32 | 2.42 | 2.48 | 2.54 | 2.59 | 3.86 | 3.63 | 3.33 | 3.49 | 3.70 | 3.88 | 6.72 | 9.44 | 12.15 | 11.74 | 11.51 | 11.27 | 11.03 | 11.30 | 11.65 | 12.01 | 12.37 | 11.83 | 10.89 | 9.95 | 9.01 | 9.94 | 12.55 | 15.15 | 17.75 | 17.67 | 18.11 | 18.55 | 18.98 | 19.60 | 15.47 | 11.19 | 6.98 | 1.70 | 1.55 | 1.62 |
Current Ratio |
1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.3 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | - | 1.2 | 1.2 | 1.3 | 1.3 | 1.4 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.3 | 1.3 |
DSO |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0.0 | 0.0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.7 | 2.8 | - | - | 1.4 | 1.5 | - | - | - |
DPO |
73.4 | 37.5 | - | - | - | - | 86.1 | 78.5 | 84.7 | - | 66.0 | 66.5 | 70.8 | - | 42.2 | 62.2 | 122.3 | - | 115.9 | 127.5 | 128.4 | - | 140.3 | 136.8 | 106.6 | - | 110.0 | 116.2 | 109.6 | - | 107.3 | 118.3 | 93.9 | - | 86.7 | 92.1 | 84.8 | - | 76.4 | 83.3 | 74.3 | - | 72.2 | 71.3 | 53.5 | - | 68.4 | 73.5 | 72.8 | - | 68.9 | 67.5 | 63.8 | - | 65.0 | 67.2 | 77.3 | - | 103.5 | 108.3 | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0.0 | 0.0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.7 | 2.8 | - | - | 1.4 | 1.5 | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | -86.1 | -78.5 | -84.7 | - | -66.0 | -66.5 | -70.8 | - | -42.2 | -62.2 | -122.3 | - | -115.9 | -127.5 | -128.4 | 0.0 | -140.3 | -136.8 | -106.6 | - | -110.0 | -116.2 | -109.6 | - | -107.3 | -118.3 | -93.9 | - | -86.7 | -92.1 | -84.8 | - | -76.4 | -83.3 | -74.3 | - | -72.2 | -71.3 | -53.5 | - | -68.4 | -73.5 | -72.8 | - | -68.9 | -67.5 | -61.1 | 2.8 | -65.0 | -67.2 | -75.9 | 1.5 | -103.5 | -108.3 | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Regional Management Corp., allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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