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Upturn AI SWOT - About
RM 
Regional Management Corp (RM)
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Upturn Advisory Summary
04/01/2025: RM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -29.43% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 300.25M USD | Price to earnings Ratio 7.38 | 1Y Target Price 40.5 |
Price to earnings Ratio 7.38 | 1Y Target Price 40.5 | ||
Volume (30-day avg) 40303 | Beta 1.53 | 52 Weeks Range 23.06 - 37.21 | Updated Date 04/1/2025 |
52 Weeks Range 23.06 - 37.21 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.99% | Basic EPS (TTM) 4.14 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.24% | Operating Margin (TTM) 21.7% |
Management Effectiveness
Return on Assets (TTM) 4.34% | Return on Equity (TTM) 12.14% |
Valuation
Trailing PE 7.38 | Forward PE 6.52 | Enterprise Value 1808878848 | Price to Sales(TTM) 0.52 |
Enterprise Value 1808878848 | Price to Sales(TTM) 0.52 | ||
Enterprise Value to Revenue 3.52 | Enterprise Value to EBITDA - | Shares Outstanding 9831460 | Shares Floating 6937669 |
Shares Outstanding 9831460 | Shares Floating 6937669 | ||
Percent Insiders 8.54 | Percent Institutions 84.64 |
Analyst Ratings
Rating 3.33 | Target Price 37 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Regional Management Corp
Company Overview
History and Background
Regional Management Corp was founded in 1987 and is headquartered in Greer, South Carolina. It provides small-loan products primarily to customers with limited access to traditional credit sources. The company has grown through organic expansion and acquisitions.
Core Business Areas
- Consumer Loans: Offers secured and unsecured personal loans, typically ranging from $500 to $25,000, to help customers finance various needs such as debt consolidation, home improvements, or unexpected expenses.
- Retail Sales Finance: Provides point-of-sale financing for furniture, appliances, electronics, and other retail goods at participating merchants.
- Insurance Products: Sells credit life, credit accident and health, and property insurance policies to its loan customers.
Leadership and Structure
Robert J. Beck is the President and CEO. The organizational structure is typical for a publicly traded company, with a board of directors overseeing senior management.
Top Products and Market Share
Key Offerings
- Small Personal Loans: Unsecured and secured personal loans constitute the core offering, serving a subprime market. Limited publicly available market share data specific to Regional Management. Competitors include OneMain Financial, World Acceptance Corp., and other regional lenders and online lenders.
- Retail Sales Finance: Point-of-sale financing partnerships with local retailers. Specific market share data is not readily available. Competitors include larger financial institutions and specialized point-of-sale finance companies like Affirm and Klarna (though they operate in different risk segments).
Market Dynamics
Industry Overview
The consumer finance industry caters to individuals with limited access to traditional banking services. It is highly competitive, with a mix of national and regional players, as well as online lenders. Regulatory scrutiny is a constant factor.
Positioning
Regional Management Corp focuses on providing small-loan products to consumers in specific geographic regions, often in underserved markets. They compete primarily based on convenience, local presence, and established customer relationships. Their advantage lies in localized operations but face competition from online lenders offering broader reach.
Total Addressable Market (TAM)
The subprime lending market is estimated to be in the tens of billions of dollars. Regional Management Corp holds a small percentage of this large market.
Upturn SWOT Analysis
Strengths
- Strong branch network in key geographic areas
- Established customer relationships
- Experienced management team
- Focus on underserved markets
Weaknesses
- High cost of funds
- Credit risk associated with subprime lending
- Geographic concentration
- Reliance on branch-based operations
Opportunities
- Expansion into new geographic markets
- Development of online lending platforms
- Partnerships with retailers to expand sales finance business
- Increased demand for small-dollar loans
Threats
- Increased competition from online lenders
- Changes in consumer lending regulations
- Economic downturn impacting loan repayment rates
- Rising interest rates increasing funding costs
Competitors and Market Share
Key Competitors
- OCN
- WRLD
- CURO
Competitive Landscape
Regional Management competes with other consumer finance companies based on interest rates, loan terms, customer service, and geographic presence. Online lenders have increased competition, forcing traditional lenders to adapt.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst projections vary depending on economic conditions and company-specific initiatives.
Recent Initiatives: Recent initiatives may include branch expansion, online lending platform development, and partnerships with retailers.
Summary
Regional Management Corp is a regional consumer finance company focused on small-loan products. It has strengths in its branch network and customer relationships, but faces risks from the subprime lending market and competition. Recent initiatives and strategic acquisitions can influence its growth trajectory. Overall, the company's success depends on managing credit risk, adapting to regulatory changes, and competing effectively with online lenders.
Similar Companies
OCN
Ocwen Financial Corporation
OCN
Ocwen Financial Corporation
WRLD
World Acceptance Corporation
WRLD
World Acceptance Corporation
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Press releases
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Regional Management Corp
Exchange NYSE | Headquaters Greer, SC, United States | ||
IPO Launch date 2012-03-28 | President, CEO & Director Mr. Robert William Beck | ||
Sector Financial Services | Industry Credit Services | Full time employees 2131 | |
Full time employees 2131 | |||
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 loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
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