Regional Management Corp (RM) and Its Peers Critical Comparison
Regional Management Corp (NYSE: RM) is one of 27 publicly-traded companies in the “Consumer Lending” industry, but how does it weigh in compared to its peers? We will compare Regional Management Corp to similar companies based on the strength of its institutional ownership, risk, valuation, earnings, dividends, analyst recommendations and profitability.
This is a breakdown of recent ratings for Regional Management Corp and its peers, as provided 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||165||663||1050||51||2.51|
Regional Management Corp presently has a consensus price target of $25.83, indicating a potential upside of 2.43%. As a group, “Consumer Lending” companies have a potential upside of 33.19%. Given Regional Management Corp’s peers stronger consensus rating and higher possible upside, analysts plainly believe Regional Management Corp has less favorable growth aspects than its peers.
Earnings and Valuation
This table compares Regional Management Corp and its peers revenue, earnings per share and valuation.
|Gross Revenue||EBITDA||Price/Earnings Ratio|
|Regional Management Corp||$246.92 million||$68.46 million||11.06|
|Regional Management Corp Competitors||$564.84 million||$92.07 million||16.17|
Regional Management Corp’s peers have higher revenue and earnings than Regional Management Corp. Regional Management Corp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.
This table compares Regional Management Corp and its peers’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Regional Management Corp||9.39%||11.30%||3.47%|
|Regional Management Corp Competitors||-28.46%||-17.36%||0.54%|
Institutional and Insider Ownership
86.8% of Regional Management Corp shares are owned by institutional investors. Comparatively, 77.6% of shares of all “Consumer Lending” companies are owned by institutional investors. 9.5% of Regional Management Corp shares are owned by company insiders. Comparatively, 15.2% of shares of all “Consumer Lending” companies are owned by company 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.
Risk and Volatility
Regional Management Corp has a beta of 1.37, indicating that its share price is 37% more volatile than the S&P 500. Comparatively, Regional Management Corp’s peers have a beta of 1.49, indicating that their average share price is 49% more volatile than the S&P 500.
Regional Management Corp peers 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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