46F Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 5/6 |
| Past Performance | 4/6 |
| Financial Health | 2/6 |
| Dividends | 3/6 |
Rewards
Risk Analysis
Regional Management Corp. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$26.60 |
| 52 Week High | US$35.40 |
| 52 Week Low | US$22.80 |
| Beta | 1.26 |
| 1 Month Change | 0% |
| 3 Month Change | -16.35% |
| 1 Year Change | 14.66% |
| 3 Year Change | -39.55% |
| 5 Year Change | 120.93% |
| Change since IPO | 9.92% |
Recent News & Updates
Recent updates
Shareholder Returns
| 46F | DE Consumer Finance | DE Market | |
|---|---|---|---|
| 7D | 5.6% | 4.8% | 4.6% |
| 1Y | 14.7% | 19.3% | 8.0% |
Return vs Industry: 46F matched the German Consumer Finance industry which returned 14.6% over the past year.
Return vs Market: 46F exceeded the German Market which returned 4.8% over the past year.
Price Volatility
| 46F volatility | |
|---|---|
| 46F Average Weekly Movement | 7.0% |
| Consumer Finance Industry Average Movement | 5.5% |
| Market Average Movement | 6.2% |
| 10% most volatile stocks in DE Market | 12.6% |
| 10% least volatile stocks in DE Market | 3.1% |
Stable Share Price: 46F has not had significant price volatility in the past 3 months compared to the German market.
Volatility Over Time: 46F's weekly volatility (7%) has been stable over the past year.
Community vs My Fair Value
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About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1987 | 2,131 | Rob Beck | www.regionalmanagement.com |
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.
Regional Management Corp. Fundamentals Summary
| 46F fundamental statistics | |
|---|---|
| Market cap | €267.54m |
| Earnings (TTM) | €36.53m |
| Revenue (TTM) | €504.71m |
7.5x
P/E Ratio0.5x
P/S RatioIs 46F overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 46F income statement (TTM) | |
|---|---|
| Revenue | US$569.59m |
| Cost of Revenue | US$212.20m |
| Gross Profit | US$357.39m |
| Other Expenses | US$316.16m |
| Earnings | US$41.23m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
Apr 30, 2025
| Earnings per share (EPS) | 4.19 |
| Gross Margin | 62.75% |
| Net Profit Margin | 7.24% |
| Debt/Equity Ratio | 412.2% |
How did 46F perform over the long term?
See historical performance and comparisonDividends
3.8%
Current Dividend Yield28%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/15 22:30 |
| End of Day Share Price | 2025/04/15 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Regional Management Corp. is covered by 12 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Chiaverini | BMO Capital Markets Equity Research |
| David Chiaverini | BMO Capital Markets U.S. (Historical) |
| Vincent Caintic | BTIG |