Is Regional Management Stock a Good Investment?
Regional Management Investment Advice | RM |
- Examine Regional Management's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Regional Management's leadership team and their track record. Good management can help Regional Management navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact Regional Management's business and its evolving consumer preferences.
- Compare Regional Management's performance and market position to its competitors. Analyze how Regional Management is positioned in terms of product offerings, innovation, and market share.
- Check if Regional Management pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Regional Management's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Regional Management Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Regional Management Corp is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Regional Management Stock
Researching Regional Management's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 79.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.86. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Regional Management Corp has Price/Earnings To Growth (PEG) ratio of 0.42. The entity last dividend was issued on the 21st of November 2024. The firm had 5:1 split on the 13th of August 2003.
To determine if Regional Management is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Regional Management's research are outlined below:
| Regional Management generated a negative expected return over the last 90 days | |
| Regional Management has a strong financial position based on the latest SEC filings | |
| Over 79.0% of the company shares are owned by institutional investors | |
| Latest headline from news.google.com: Regional Management Corp. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2024 - Marketscreener.com |
Regional Management Quarterly Accounts Payable |
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Regional Management uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Regional Management Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Regional Management's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 7th of February 2024 Upcoming Quarterly Report | View | |
| 1st of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 7th of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Regional Management's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Regional Management's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2015-07-23 | 2015-06-30 | 0.37 | 0.41 | 0.04 | 10 | ||
2019-02-12 | 2018-12-31 | 0.81 | 0.9 | 0.09 | 11 | ||
2016-04-28 | 2016-03-31 | 0.51 | 0.42 | -0.09 | 17 | ||
2016-01-28 | 2015-12-31 | 0.47 | 0.56 | 0.09 | 19 | ||
2024-02-07 | 2023-12-31 | 0.43 | 0.54 | 0.11 | 25 | ||
2023-08-02 | 2023-06-30 | 0.52 | 0.63 | 0.11 | 21 | ||
2023-11-01 | 2023-09-30 | 0.79 | 0.91 | 0.12 | 15 | ||
2015-03-09 | 2014-12-31 | 0.43 | 0.31 | -0.12 | 27 |
Know Regional Management's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Regional Management is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Regional Management Corp backward and forwards among themselves. Regional Management's institutional investor refers to the entity that pools money to purchase Regional Management's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | American Century Companies Inc | 2024-09-30 | 129.2 K | Bank Of New York Mellon Corp | 2024-06-30 | 111.6 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 103.5 K | Bridgeway Capital Management, Llc | 2024-09-30 | 98.9 K | Khrom Capital Management, Llc | 2024-06-30 | 96.5 K | Goldman Sachs Group Inc | 2024-06-30 | 84.1 K | Northern Trust Corp | 2024-09-30 | 82.9 K | Acadian Asset Management Llc | 2024-06-30 | 50.8 K | Charles Schwab Investment Management Inc | 2024-09-30 | 49.4 K | Blackrock Inc | 2024-06-30 | 1.4 M | Forager Capital Management, Llc | 2024-09-30 | 1.1 M |
Regional Management's market capitalization trends
The company currently falls under 'Small-Cap' category with a market capitalization of 305.2 M.Market Cap |
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Regional Management's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.08 | 0.08 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.05 | 0.05 |
Determining Regional Management's profitability involves analyzing its financial statements and using various financial metrics to determine if Regional Management is a good buy. For example, gross profit margin measures Regional Management's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Regional Management's profitability and make more informed investment decisions.
Evaluate Regional Management's management efficiency
Regional Management Corp has Return on Asset (ROA) of 0.0366 % which means that for every $100 of assets, it generated a profit of $0.0366. This is way below average. Likewise, it shows a return on total equity (ROE) of 0.0695 %, which means that it produced $0.0695 on every 100 dollars invested by current stockholders. Regional Management's management efficiency ratios could be used to measure how well Regional Management manages its routine affairs as well as how well it operates its assets and liabilities. As of the 24th of November 2024, Return On Tangible Assets is likely to drop to 0.01. In addition to that, Return On Capital Employed is likely to drop to 0.08. At this time, Regional Management's Asset Turnover is very stable compared to the past year.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 34.29 | 36.01 | |
| Tangible Book Value Per Share | 32.61 | 16.48 | |
| Enterprise Value Over EBITDA | 16.16 | 9.70 | |
| Price Book Value Ratio | 0.73 | 0.69 | |
| Enterprise Value Multiple | 16.16 | 9.70 | |
| Price Fair Value | 0.73 | 0.69 | |
| Enterprise Value | 484.4 M | 374.3 M |
Regional Management Corp has shown resilience through effective management strategies. Our analysis examines how these strategies influence financial outcomes and investor returns which helps in understanding the stock's long-term potential.
Dividend Yield 0.04 | Forward Dividend Yield 0.04 | Forward Dividend Rate 1.2 | Beta 1.529 |
Basic technical analysis of Regional Stock
As of the 24th of November, Regional Management holds the Variance of 6.14, risk adjusted performance of 0.003, and Coefficient Of Variation of (19,786). Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Regional Management, as well as the relationship between them. Please check Regional Management Corp standard deviation and value at risk to decide if Regional Management Corp is priced some-what accurately, providing market reflects its current price of 30.03 per share. Given that Regional Management has information ratio of (0.06), we recommend you to check out Regional Management Corp's recent market performance to make sure the company can sustain itself at a future point.Regional Management's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Regional Management insiders, such as employees or executives, is commonly permitted as long as it does not rely on Regional Management's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Regional Management insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Regional Management's Outstanding Corporate Bonds
Regional Management issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Regional Management Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Regional bonds can be classified according to their maturity, which is the date when Regional Management Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| HSBC Holdings PLC Corp BondUS404280DR76 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Regional Management's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Regional Management's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.003 | |||
| Market Risk Adjusted Performance | (0.0005) | |||
| Mean Deviation | 1.75 | |||
| Coefficient Of Variation | (19,786) | |||
| Standard Deviation | 2.48 | |||
| Variance | 6.14 | |||
| Information Ratio | (0.06) | |||
| Jensen Alpha | (0.28) | |||
| Total Risk Alpha | (0.41) | |||
| Treynor Ratio | (0.01) | |||
| Maximum Drawdown | 17.16 | |||
| Value At Risk | (3.23) | |||
| Potential Upside | 3.34 | |||
| Skewness | 1.06 | |||
| Kurtosis | 5.02 |
| Risk Adjusted Performance | 0.003 | |||
| Market Risk Adjusted Performance | (0.0005) | |||
| Mean Deviation | 1.75 | |||
| Coefficient Of Variation | (19,786) | |||
| Standard Deviation | 2.48 | |||
| Variance | 6.14 | |||
| Information Ratio | (0.06) | |||
| Jensen Alpha | (0.28) | |||
| Total Risk Alpha | (0.41) | |||
| Treynor Ratio | (0.01) | |||
| Maximum Drawdown | 17.16 | |||
| Value At Risk | (3.23) | |||
| Potential Upside | 3.34 | |||
| Skewness | 1.06 | |||
| Kurtosis | 5.02 |
Consider Regional Management's intraday indicators
Regional Management intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Regional Management stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Regional Management Corporate Filings
8K | 12th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 8th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
F4 | 6th of September 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 2nd of August 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
Regional Stock media impact
Far too much social signal, news, headlines, and media speculation about Regional Management that are available to investors today. That information is available publicly through Regional media outlets and privately through word of mouth or via Regional internal channels. However, regardless of the origin, that massive amount of Regional data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Regional Management news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Regional Management relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Regional Management's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Regional Management alpha.
Regional Management Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Regional Management can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Regional Management Corporate Directors
| Jonathan Brown | Independent Director | Profile | |
| Michael Dunn | Independent Director | Profile | |
| Steven Freiberg | Independent Director | Profile | |
| Maria ContrerasSweet | Independent Director | Profile |
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population. You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Regional Management. If investors know Regional will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Regional Management listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.17) | Dividend Share 1.2 | Earnings Share 2.37 | Revenue Per Share 58.139 | Quarterly Revenue Growth 0.036 |
The market value of Regional Management Corp is measured differently than its book value, which is the value of Regional that is recorded on the company's balance sheet. Investors also form their own opinion of Regional Management's value that differs from its market value or its book value, called intrinsic value, which is Regional Management's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Regional Management's market value can be influenced by many factors that don't directly affect Regional Management's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Regional Management's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Regional Management is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Regional Management's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.