Regional Management Corp. (RM) & Its Rivals Head-To-Head Comparison

Regional Management Corp. (NYSE: RM) is one of 27 public companies in the “Consumer Lending” industry, but how does it contrast to its rivals? We will compare Regional Management Corp. to similar businesses based on the strength of its risk, valuation, institutional ownership, profitability, dividends, earnings and analyst recommendations.

Insider and Institutional Ownership

86.8% of Regional Management Corp. shares are held by institutional investors. Comparatively, 77.6% of shares of all “Consumer Lending” companies are held by institutional investors. 9.5% of Regional Management Corp. shares are held by insiders. Comparatively, 15.2% of shares of all “Consumer Lending” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Regional Management Corp. and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Regional Management Corp. 10.37% 12.98% 3.88%
Regional Management Corp. Competitors -28.26% -17.28% 0.63%

Analyst Ratings

This is a breakdown of current recommendations for Regional Management Corp. and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Regional Management Corp. 0 5 1 0 2.17
Regional Management Corp. Competitors 192 744 1066 58 2.48

Regional Management Corp. currently has a consensus target price of $25.83, suggesting a potential upside of 14.71%. As a group, “Consumer Lending” companies have a potential upside of 59.21%. Given Regional Management Corp.’s rivals stronger consensus rating and higher probable upside, analysts plainly believe Regional Management Corp. has less favorable growth aspects than its rivals.

Risk & Volatility

Regional Management Corp. has a beta of 1.36, indicating that its share price is 36% more volatile than the S&P 500. Comparatively, Regional Management Corp.’s rivals have a beta of 1.48, indicating that their average share price is 48% more volatile than the S&P 500.

Earnings & Valuation

This table compares Regional Management Corp. and its rivals top-line revenue, earnings per share and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
Regional Management Corp. $246.92 million $68.46 million 9.88
Regional Management Corp. Competitors $564.84 million $92.07 million 15.73

Regional Management Corp.’s rivals have higher revenue and earnings than Regional Management Corp.. Regional Management Corp. is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Summary

Regional Management Corp. rivals beat Regional Management Corp. on 9 of the 13 factors compared.

Regional Management Corp. Company Profile

Regional Management Corp. is a diversified consumer finance company. The Company provides an array of loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies and other traditional lenders. Its products include small loans, large loans, automobile loans, retail loans, and optional payment and collateral protection insurance products. It offers small loans ranging from $500 to $2,500, through its branches. It offers large installment loans with cash proceeds to the customer ranging from $2,501 to $20,000. As of December 31, 2016, automobile loans were offered in amounts up to $27,500. As of December 31, 2016, retail loans were indirect installment loans structured as retail installment sales contracts that were offered in amounts of up to $7,500. Optional Payment and Collateral Protection Insurance Products offer customers a number of optional payment and collateral protection insurance products.

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