Regional Management (NYSE:RM – Get Free Report) is one of 121 public companies in the “Consumer Finance” industry, but how does it contrast to its competitors? We will compare Regional Management to related companies based on the strength of its risk, valuation, analyst recommendations, profitability, dividends, institutional ownership and earnings.
Analyst Ratings
This is a breakdown of recent recommendations for Regional Management and its competitors, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Regional Management | 0 | 2 | 3 | 0 | 2.60 |
| Regional Management Competitors | 929 | 3488 | 5408 | 281 | 2.50 |
Regional Management presently has a consensus price target of $41.50, indicating a potential upside of 14.33%. As a group, “Consumer Finance” companies have a potential upside of 23.53%. Given Regional Management’s competitors higher probable upside, analysts plainly believe Regional Management has less favorable growth aspects than its competitors.
Earnings & Valuation
This table compares Regional Management and its competitors revenue, earnings per share and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Regional Management | $591.06 million | $44.41 million | 7.35 |
| Regional Management Competitors | $3.58 billion | $381.70 million | 5.90 |
Regional Management’s competitors have higher revenue and earnings than Regional Management. Regional Management is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.
Dividends
Regional Management pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. Regional Management pays out 24.3% of its earnings in the form of a dividend. As a group, “Consumer Finance” companies pay a dividend yield of 6.2% and pay out 34.2% of their earnings in the form of a dividend.
Risk and Volatility
Regional Management has a beta of 1.02, meaning that its stock price is 2% more volatile than the S&P 500. Comparatively, Regional Management’s competitors have a beta of 1.25, meaning that their average stock price is 25% more volatile than the S&P 500.
Insider & Institutional Ownership
98.9% of Regional Management shares are owned by institutional investors. Comparatively, 46.4% of shares of all “Consumer Finance” companies are owned by institutional investors. 10.9% of Regional Management shares are owned by company insiders. Comparatively, 21.8% of shares of all “Consumer Finance” 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.
Profitability
This table compares Regional Management and its competitors’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Regional Management | 6.96% | 12.66% | 2.26% |
| Regional Management Competitors | 10.03% | -15.24% | 2.14% |
Summary
Regional Management competitors beat Regional Management on 8 of the 15 factors compared.
About Regional Management
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 installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally-managed direct mail campaigns, and digital partners, as well as its consumer website. The company was incorporated in 1987 and is headquartered in Greer, South Carolina.
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