Recent Insider Transactions • Aug 14
President recently bought €274k worth of stock On the 12th of August, Lakhbir Lamba bought around 10k shares on-market at roughly €27.42 per share. This transaction amounted to 22% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Lakhbir's only on-market trade for the last 12 months. Declared Dividend • Aug 04
Second quarter dividend of US$0.30 announced Shareholders will receive a dividend of US$0.30. Ex-date: 19th August 2026 Payment date: 16th September 2026 Dividend yield will be 3.9%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is well covered by both earnings (24% earnings payout ratio) and cash flows (4% cash payout ratio). The dividend has increased by an average of 7.0% per year over the past 6 years and payments have been stable during that time. EPS is expected to grow by 34% over the next 3 years, which should provide support to the dividend and adequate earnings cover. New Risk • Jul 31
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 9.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (1.7x net interest cover). Minor Risk Share price has been volatile over the past 3 months (9.1% average weekly change). Reported Earnings • Jul 31
Second quarter 2026 earnings released: EPS: US$0.91 (vs US$1.07 in 2Q 2025) Second quarter 2026 results: EPS: US$0.91 (down from US$1.07 in 2Q 2025). Revenue: US$161.3m (up 6.0% from 2Q 2025). Net income: US$8.15m (down 20% from 2Q 2025). Profit margin: 5.1% (down from 6.7% in 2Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.2% p.a. on average during the next 2 years, compared to a 9.8% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings. Announcement • Jul 30
Regional Management Corp. Provides Earnings Guidance for the Third and Fourth Quarter of 2026 and Full Year of 2026 Regional Management Corp. provided earnings guidance for the third and fourth quarter of 2026 and full year of 2026. For the third and fourth quarter, it expects net income in the third and fourth quarters to be meaningfully higher than in the second quarter and for fourth quarter net income to be sequentially higher than third quarter net income.
For the full year, it expects diluted earnings per share growth of 10% to 13%. For net income, it anticipates full-year growth of 6% to 9%. Announcement • Jul 02
Regional Management Corp. to Report Q2, 2026 Results on Jul 29, 2026 Regional Management Corp. announced that they will report Q2, 2026 results After-Market on Jul 29, 2026 Announcement • May 01
Regional Management Corp. announces Quarterly dividend, payable on June 10, 2026 Regional Management Corp. announced Quarterly dividend of USD 0.3000 per share payable on June 10, 2026, ex-date on May 20, 2026 and record date on May 20, 2026. Announcement • Apr 12
Regional Management Corp., Annual General Meeting, May 14, 2026 Regional Management Corp., Annual General Meeting, May 14, 2026. Announcement • Mar 31
Regional Management Corp. to Report Q1, 2026 Results on Apr 29, 2026 Regional Management Corp. announced that they will report Q1, 2026 results After-Market on Apr 29, 2026 Announcement • Feb 05
Regional Management Corp. Declares Dividend , for the First Quarter of 2026, Payable on March 12, 2026 Regional Management Corp. has declared a dividend of $0.30 per common share for the first quarter of 2026. The dividend will be paid on March 12, 2026 to shareholders of record as of the close of business on February 19, 2026. Announcement • Jan 08
Regional Management Corp. to Report Q4, 2025 Results on Feb 04, 2026 Regional Management Corp. announced that they will report Q4, 2025 results After-Market on Feb 04, 2026 Announcement • Oct 02
Regional Management Corp. to Report Q3, 2025 Results on Nov 05, 2025 Regional Management Corp. announced that they will report Q3, 2025 results After-Market on Nov 05, 2025 Announcement • Jul 31
Regional Management Corp. Declares Dividend on Common Share for the Third Quarter of 2025, Payable on September 10, 2025 The Board of Directors of Regional Management Corp. have declared a dividend of $0.30 per common share for the third quarter of 2025. The dividend will be paid on September 10, 2025 to shareholders of record as of the close of business on August 20, 2025. Announcement • Jul 03
Regional Management Corp. to Report Q2, 2025 Results on Jul 30, 2025 Regional Management Corp. announced that they will report Q2, 2025 results After-Market on Jul 30, 2025 Announcement • May 01
Regional Management Corp. Declares Dividend for the Second Quarter of 2025, Payable on June 11, 2025 Regional Management Corp.’s Board of Directors has declared a dividend of $0.30 per common share for the second quarter of 2025. The dividend will be paid on June 11, 2025 to shareholders of record as of the close of business on May 21, 2025. Announcement • Apr 12
Regional Management Corp., Annual General Meeting, May 15, 2025 Regional Management Corp., Annual General Meeting, May 15, 2025. Announcement • Apr 03
Regional Management Corp. to Report Q1, 2025 Results on Apr 30, 2025 Regional Management Corp. announced that they will report Q1, 2025 results After-Market on Apr 30, 2025 Announcement • Mar 14
Regional Management Corp. Appoints Julie Booth to its Board of Directors and Audit Committee Regional Management Corp. announced the appointment of Julie Booth to its Board of Directors, effective immediately. Ms. Booth most recently served as Chief Financial Officer and Treasurer of Rocket Companies. Ms. Booth’s appointment increases the size of Regional Management’s Board of Directors from eight directors to nine directors. Ms. Booth will serve as a member of the Audit Committee of Regional Management’s Board of Directors. Ms. Booth brings to the Board unmatched financial and executive management expertise. She currently serves as interim CFO of a pharmaceutical startup company based in Michigan. Previously, Ms. Booth spent two decades at Rocket, including 14 years as CFO, where she successfully led the company through its IPO in 2020, and prior to that as VP of Finance and Director of Internal Audit. Before joining Rocket, Ms. Booth spent 13 years in the audit group of Ernst & Young, working with a range of private and public clients. Additionally, she has served on a number of Boards in the non-profit sector, including serving as Board Chair for Make-A-Wish Michigan and Chair for the Mortgage Bankers Association’s Financial Management Committee. Announcement • Feb 06
Regional Management Corp. Declares Dividend for the First Quarter of 2025, Payable on March 13, 2025 The Board of Directors of Regional Management Corp. has declared a dividend of $0.30 per common share for the first quarter of 2025. The dividend will be paid on March 13, 2025 to shareholders of record as of the close of business on February 20, 2025. Announcement • Jan 09
Regional Management Corp. to Report Q4, 2024 Results on Feb 05, 2025 Regional Management Corp. announced that they will report Q4, 2024 results After-Market on Feb 05, 2025 Announcement • Dec 03
Regional Management Corp. (NYSE:RM) announces an Equity Buyback for $30 million worth of its shares. Regional Management Corp. (NYSE:RM) announces a share repurchase program. Under the program, the company will repurchase up to $30 million worth of its outstanding shares. The program will continue through December 31, 2026. Declared Dividend • Nov 11
Third quarter dividend of US$0.30 announced Shareholders will receive a dividend of US$0.30. Ex-date: 21st November 2024 Payment date: 11th December 2024 Dividend yield will be 3.9%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is well covered by both earnings (48% earnings payout ratio) and cash flows (5% cash payout ratio). The dividend has increased by an average of 11% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 103% over the next 2 years, which should provide support to the dividend and adequate earnings cover. Reported Earnings • Nov 08
Third quarter 2024 earnings released: EPS: US$0.79 (vs US$0.94 in 3Q 2023) Third quarter 2024 results: EPS: US$0.79 (down from US$0.94 in 3Q 2023). Revenue: US$146.3m (up 7.3% from 3Q 2023). Net income: US$7.66m (down 13% from 3Q 2023). Profit margin: 5.2% (down from 6.5% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 54% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings. Announcement • Nov 07
Regional Management Corp. Declares Dividend for Fourth Quarter of 2024, Payable on December 11, 2024 Regional Management Corp.'s Board of Directors has declared a dividend of $0.30 per common share for the fourth quarter of 2024. The dividend will be paid on December 11, 2024 to shareholders of record as of the close of business on November 21, 2024. Announcement • Oct 10
Regional Management Corp. to Report Q3, 2024 Results on Nov 06, 2024 Regional Management Corp. announced that they will report Q3, 2024 results After-Market on Nov 06, 2024 Declared Dividend • Aug 05
Second quarter dividend of US$0.30 announced Shareholders will receive a dividend of US$0.30. Ex-date: 21st August 2024 Payment date: 12th September 2024 Dividend yield will be 4.0%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is well covered by both earnings (46% earnings payout ratio) and cash flows (5% cash payout ratio). The dividend has increased by an average of 11% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 158% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Reported Earnings • Aug 01
Second quarter 2024 earnings released: EPS: US$0.88 (vs US$0.64 in 2Q 2023) Second quarter 2024 results: EPS: US$0.88 (up from US$0.64 in 2Q 2023). Revenue: US$143.0m (up 11% from 2Q 2023). Net income: US$8.45m (up 40% from 2Q 2023). Profit margin: 5.9% (up from 4.7% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.8% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 47% per year but the company’s share price has only fallen by 16% per year, which means it has not declined as severely as earnings. Announcement • Aug 01
Regional Management Corp. Declares Dividend for the Third Quarter of 2024, Payable on September 12, 2024 Regional Management Corp.'s Board of Directors has declared a dividend of $0.30 per common share for the third quarter of 2024. The dividend will be paid on September 12, 2024 to shareholders of record as of the close of business on August 21, 2024. New Risk • Jul 22
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (1.4x net interest cover). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.2% average weekly change). Profit margins are more than 30% lower than last year (4.1% net profit margin). Shareholders have been diluted in the past year (2.6% increase in shares outstanding). Valuation Update With 7 Day Price Move • Jul 20
Investor sentiment improves as stock rises 21% After last week's 21% share price gain to €30.40, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Consumer Finance industry in Europe. Total loss to shareholders of 21% over the past three years. Announcement • Jul 02
Regional Management Corp. to Report Q2, 2024 Results on Jul 31, 2024 Regional Management Corp. announced that they will report Q2, 2024 results After-Market on Jul 31, 2024 Declared Dividend • May 06
First quarter dividend of US$0.30 announced Shareholders will receive a dividend of US$0.30. Ex-date: 21st May 2024 Payment date: 12th June 2024 Dividend yield will be 4.5%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by both earnings (51% earnings payout ratio) and cash flows (5% cash payout ratio). The dividend has increased by an average of 11% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 48% over the next year, which should provide support to the dividend and adequate earnings cover. Reported Earnings • May 02
First quarter 2024 earnings released: EPS: US$1.59 (vs US$0.93 in 1Q 2023) First quarter 2024 results: EPS: US$1.59 (up from US$0.93 in 1Q 2023). Revenue: US$144.3m (up 9.9% from 1Q 2023). Net income: US$15.2m (up 75% from 1Q 2023). Profit margin: 11% (up from 6.6% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 8.2% p.a. on average during the next 2 years, compared to a 10.0% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 38% per year but the company’s share price has only fallen by 12% per year, which means it has not declined as severely as earnings. Announcement • May 02
Regional Management Corp. Declares Dividend for the Second Quarter of 2024, Payable on June 12, 2024 Regional Management Corp.’s board of directors has declared a dividend of $0.30 per common share for the second quarter of 2024. The dividend will be paid on June 12, 2024 to shareholders of record as of the close of business on May 22, 2024. Announcement • Apr 16
Regional Management Corp., Annual General Meeting, May 16, 2024 Regional Management Corp., Annual General Meeting, May 16, 2024, at 13:00 US Eastern Standard Time. Agenda: To elect the eight nominees named in the accompanying Proxy Statement to serve as members of company's Board of Directors until the next annual meeting of stockholders or until their successors are elected and qualified; to ratify the appointment of Deloitte & Touche LLP as company's independent registered public accounting firm for the fiscal year ending December 31, 2024; to approve the Regional Management Corp. 2024 Long-Term Incentive Plan; to hold an advisory vote to approve executive compensation; to hold an advisory vote on the frequency of future advisory votes to approve executive compensation; and to transact such other business as may properly come before the Annual Meeting or any adjournments thereof. New Risk • Apr 16
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 3.0% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (1.3x net interest cover). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (3.0% net profit margin). Shareholders have been diluted in the past year (3.0% increase in shares outstanding). Announcement • Apr 02
Regional Management Corp. to Report Q1, 2024 Results on May 01, 2024 Regional Management Corp. announced that they will report Q1, 2024 results After-Market on May 01, 2024 Upcoming Dividend • Feb 14
Upcoming dividend of US$0.30 per share at 5.8% yield Eligible shareholders must have bought the stock before 21 February 2024. Payment date: 14 March 2024. Trailing yield: 5.8%. Within top quartile of German dividend payers (5.1%). Lower than average of industry peers (7.5%). Declared Dividend • Feb 12
Fourth quarter dividend of US$0.30 announced Shareholders will receive a dividend of US$0.30. Ex-date: 21st February 2024 Payment date: 14th March 2024 Dividend yield will be 5.3%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by both earnings (71% earnings payout ratio) and cash flows (5% cash payout ratio). The dividend has increased by an average of 14% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 203% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Reported Earnings • Feb 09
Full year 2023 earnings released: EPS: US$1.70 (vs US$5.51 in FY 2022) Full year 2023 results: EPS: US$1.70 (down from US$5.51 in FY 2022). Revenue: US$551.4m (up 12% from FY 2022). Net income: US$16.0m (down 69% from FY 2022). Profit margin: 2.9% (down from 10% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.9% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings. Announcement • Feb 08
Regional Management Corp. Declares Dividend for the First Quarter of 2024, Payable on March 14, 2024 Regional Management Corp.’s Board of Directors has declared a dividend of $0.30 per common share for the first quarter of 2024. The dividend will be paid on March 14, 2024 to shareholders of record as of the close of business on February 22, 2024. The declaration and payment of any future dividend is subject to the discretion of the Board of Directors and will depend on a variety of factors, including the company’s financial condition and results of operations. Announcement • Jan 09
Regional Management Corp. to Report Q4, 2023 Results on Feb 07, 2024 Regional Management Corp. announced that they will report Q4, 2023 results After-Market on Feb 07, 2024 New Risk • Nov 21
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (1.5x net interest cover). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.4% average weekly change). Profit margins are more than 30% lower than last year (4.9% net profit margin). Shareholders have been diluted in the past year (2.6% increase in shares outstanding). Upcoming Dividend • Nov 14
Upcoming dividend of US$0.30 per share at 5.1% yield Eligible shareholders must have bought the stock before 21 November 2023. Payment date: 13 December 2023. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 5.1%. Within top quartile of German dividend payers (5.0%). Lower than average of industry peers (7.1%). Announcement • Nov 11
Regional Management Corp. Mourns Passing of Board Member, Philip Bancroft Regional Management Corp. announced the loss of board member, Philip Bancroft, who unexpectedly passed away earlier this month. Recent Insider Transactions • Nov 10
Executive VP & COO recently bought €105k worth of stock On the 7th of November, John Schachtel bought around 5k shares on-market at roughly €20.97 per share. This transaction amounted to 7.8% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was John's only on-market trade for the last 12 months. Reported Earnings • Nov 03
Third quarter 2023 earnings released: EPS: US$0.94 (vs US$1.10 in 3Q 2022) Third quarter 2023 results: EPS: US$0.94 (down from US$1.10 in 3Q 2022). Revenue: US$140.9m (up 10% from 3Q 2022). Net income: US$8.82m (down 12% from 3Q 2022). Profit margin: 6.3% (down from 7.9% in 3Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.2% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings. Announcement • Nov 02
Regional Management Corp. Declares Dividend for the Fourth Quarter of 2023, Payable on December 13, 2023 Regional Management Corp.'s Board of Directors has declared a dividend of $0.30 per common share for the fourth quarter of 2023. The dividend will be paid on December 13, 2023 to shareholders of record as of the close of business on November 22, 2023. Announcement • Oct 05
Regional Management Corp. to Report Q3, 2023 Results on Nov 01, 2023 Regional Management Corp. announced that they will report Q3, 2023 results After-Market on Nov 01, 2023 Upcoming Dividend • Aug 15
Upcoming dividend of US$0.30 per share at 4.2% yield Eligible shareholders must have bought the stock before 22 August 2023. Payment date: 14 September 2023. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 4.2%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.4%). Announcement • Aug 04
Regional Management Corp. Declares Third Quarter Dividend, Payable on September 14, 2023 Regional Management Corp. has declared a dividend of $0.30 per common share for the third quarter of 2023. The dividend will be paid on September 14, 2023 to shareholders of record as of the close of business on August 23, 2023. New Risk • Aug 04
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.6% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (1.6x net interest cover). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (5.3% net profit margin). Shareholders have been diluted in the past year (2.6% increase in shares outstanding). Significant insider selling over the past 3 months (€65k sold). Reported Earnings • Aug 03
Second quarter 2023 earnings released: EPS: US$0.64 (vs US$1.29 in 2Q 2022) Second quarter 2023 results: EPS: US$0.64 (down from US$1.29 in 2Q 2022). Revenue: US$133.5m (up 11% from 2Q 2022). Net income: US$6.02m (down 50% from 2Q 2022). Profit margin: 4.5% (down from 10.0% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.1% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Jun 30
Regional Management Corp. to Report Q2, 2023 Results on Aug 02, 2023 Regional Management Corp. announced that they will report Q2, 2023 results After-Market on Aug 02, 2023 Valuation Update With 7 Day Price Move • Jun 07
Investor sentiment improves as stock rises 19% After last week's 19% share price gain to €28.80, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Consumer Finance industry in Europe. Total returns to shareholders of 77% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €44.85 per share. Recent Insider Transactions • Jun 02
Independent Director recently sold €65k worth of stock On the 26th of May, Sandra Johnson sold around 3k shares on-market at roughly €23.39 per share. This transaction amounted to 22% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought €939k more than they sold in the last 12 months. Upcoming Dividend • May 16
Upcoming dividend of US$0.30 per share at 4.7% yield Eligible shareholders must have bought the stock before 23 May 2023. Payment date: 14 June 2023. Payout ratio is a comfortable 33% and this is well supported by cash flows. Trailing yield: 4.7%. Within top quartile of German dividend payers (4.7%). In line with average of industry peers (4.6%). Reported Earnings • May 05
First quarter 2023 earnings released: EPS: US$0.93 (vs US$2.81 in 1Q 2022) First quarter 2023 results: EPS: US$0.93 (down from US$2.81 in 1Q 2022). Revenue: US$131.4m (up 11% from 1Q 2022). Net income: US$8.69m (down 68% from 1Q 2022). Profit margin: 6.6% (down from 23% in 1Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has only increased by 21% per year, which means it is significantly lagging earnings growth. Announcement • May 05
Regional Management Corp. Declares Dividend for the Second Quarter of 2023, Payable on June 14, 2023 Board of Directors of Regional Management Corp. has declared a dividend of $0.30 per common share for the second quarter of 2023. The dividend will be paid on June 14, 2023 to shareholders of record as of the close of business on May 24, 2023. Board Change • May 01
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Independent Director Phil Bancroft was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Upcoming Dividend • Feb 14
Upcoming dividend of US$0.30 per share at 3.6% yield Eligible shareholders must have bought the stock before 21 February 2023. Payment date: 15 March 2023. Trailing yield: 3.6%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.5%). Reported Earnings • Feb 10
Full year 2022 earnings released: EPS: US$5.51 (vs US$8.84 in FY 2021) Full year 2022 results: EPS: US$5.51 (down from US$8.84 in FY 2021). Revenue: US$507.2m (up 21% from FY 2021). Net income: US$51.2m (down 42% from FY 2021). Profit margin: 10% (down from 21% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.8% p.a. on average during the next 3 years, compared to a 9.5% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 36% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth. Announcement • Feb 09
Regional Management Corp. Declares Dividend for the First Quarter of 2023, Payable on March 15, 2023 The Board of Directors of Regional Management Corp. has declared a dividend of $0.30 per common share for the first quarter of 2023. The dividend will be paid on March 15, 2023 to shareholders of record as of the close of business on February 22, 2023. Announcement • Jan 05
Regional Management Corp. to Report Q4, 2022 Results on Feb 08, 2023 Regional Management Corp. announced that they will report Q4, 2022 results After-Market on Feb 08, 2023 Upcoming Dividend • Nov 18
Upcoming dividend of US$0.30 per share Eligible shareholders must have bought the stock before 22 November 2022. Payment date: 14 December 2022. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 4.2%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (4.8%). Reported Earnings • Nov 03
Third quarter 2022 earnings released: EPS: US$1.10 (vs US$2.25 in 3Q 2021) Third quarter 2022 results: EPS: US$1.10 (down from US$2.25 in 3Q 2021). Revenue: US$131.5m (up 21% from 3Q 2021). Net income: US$10.1m (down 55% from 3Q 2021). Profit margin: 7.7% (down from 20% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 8.3% growth forecast for the Consumer Finance industry in Europe. Announcement • Nov 02
Regional Management Corp. Declares Dividend for the Fourth Quarter of 2022, Payable on December 14, 2022 Regional Management Corp. Board of Directors has declared a dividend of $0.30 per common share for the fourth quarter of 2022. The dividend will be paid on December 14, 2022 to shareholders of record as of the close of business on November 23, 2022. Valuation Update With 7 Day Price Move • Oct 29
Investor sentiment improved over the past week After last week's 16% share price gain to €33.00, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 6x in the Consumer Finance industry in Europe. Total loss to shareholders of 21% over the past year. Simply Wall St's valuation model estimates the intrinsic value at €62.65 per share. Announcement • Oct 04
Regional Management Corp. to Report Q3, 2022 Results on Nov 01, 2022 Regional Management Corp. announced that they will report Q3, 2022 results at 4:00 PM, US Eastern Standard Time on Nov 01, 2022 Recent Insider Transactions • Aug 19
Independent Director recently bought €500k worth of stock On the 17th of August, Philip Bancroft bought around 13k shares on-market at roughly €38.48 per share. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €1.6m more in shares than they bought in the last 12 months. Upcoming Dividend • Aug 16
Upcoming dividend of US$0.30 per share Eligible shareholders must have bought the stock before 23 August 2022. Payment date: 15 September 2022. Payout ratio is a comfortable 13% and this is well supported by cash flows. Trailing yield: 3.1%. Lower than top quartile of German dividend payers (4.5%). Lower than average of industry peers (4.9%). Reported Earnings • Aug 04
Second quarter 2022 earnings released: EPS: US$1.29 (vs US$1.98 in 2Q 2021) Second quarter 2022 results: EPS: US$1.29 (down from US$1.98 in 2Q 2021). Revenue: US$122.9m (up 26% from 2Q 2021). Net income: US$12.0m (down 41% from 2Q 2021). Profit margin: 9.8% (down from 21% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 14%, compared to a 21% growth forecast for the industry in Germany. Announcement • Aug 04
Regional Management Corp. Declares Dividend for the Third Quarter of 2022, Payable on September 15, 2022 The Board of Directors of Regional Management Corp. has declared a dividend of $0.30 per common share for the third quarter of 2022. The dividend will be paid on September 15, 2022, to shareholders of record as of the close of business on August 24, 2022. Announcement • Jul 06
Regional Management Corp. to Report Q2, 2022 Results on Aug 03, 2022 Regional Management Corp. announced that they will report Q2, 2022 results After-Market on Aug 03, 2022 Recent Insider Transactions • May 26
Independent Director recently sold €71k worth of stock On the 23rd of May, Sandra Johnson sold around 2k shares on-market at roughly €41.90 per share. In the last 3 months, there was an even bigger sale from another insider worth €540k. Insiders have been net sellers, collectively disposing of €2.4m more than they bought in the last 12 months. Upcoming Dividend • May 17
Upcoming dividend of US$0.30 per share Eligible shareholders must have bought the stock before 24 May 2022. Payment date: 15 June 2022. Payout ratio is a comfortable 11% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of German dividend payers (4.3%). Lower than average of industry peers (4.6%). Reported Earnings • May 06
First quarter 2022 earnings released: EPS: US$2.81 (vs US$2.42 in 1Q 2021) First quarter 2022 results: EPS: US$2.81 (up from US$2.42 in 1Q 2021). Revenue: US$120.8m (up 27% from 1Q 2021). Net income: US$26.8m (up 4.9% from 1Q 2021). Profit margin: 22% (down from 27% in 1Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 17%, compared to a 81% growth forecast for the industry in Germany. Announcement • Apr 14
Regional Management Corp., Annual General Meeting, May 19, 2022 Regional Management Corp., Annual General Meeting, May 19, 2022, at 14:00 US Eastern Standard Time. Agenda: To elect the nine nominees named in the accompanying Proxy Statement to serve as members of Board of Directors until the next annual meeting of stockholders or until their successors are elected and qualified; to ratify the appointment of Deloitte & Touche LLP as independent registered public accounting firm for the fiscal year ending December 31, 2022; to hold an advisory vote to approve executive compensation; and to transact such other business as may properly come before the Annual Meeting or any adjournments thereof. Announcement • Apr 05
Regional Management Corp. to Report Q1, 2022 Results on May 04, 2022 Regional Management Corp. announced that they will report Q1, 2022 results After-Market on May 04, 2022 Recent Insider Transactions • Mar 03
Director recently sold €540k worth of stock On the 2nd of March, Michael Dunn sold around 12k shares on-market at roughly €45.02 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.6m more than they bought in the last 12 months. Upcoming Dividend • Feb 15
Upcoming dividend of US$0.30 per share Eligible shareholders must have bought the stock before 22 February 2022. Payment date: 16 March 2022. Payout ratio is a comfortable 11% but the company is not cash flow positive. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (3.0%). Reported Earnings • Feb 10
Full year 2021 earnings: Revenues and EPS in line with analyst expectations Full year 2021 results: EPS: US$8.84 (up from US$2.45 in FY 2020). Revenue: US$428.4m (up 18% from FY 2020). Net income: US$88.7m (up 232% from FY 2020). Profit margin: 21% (up from 7.4% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 12%, compared to a 100% growth forecast for the industry in Germany. Upcoming Dividend • Nov 16
Upcoming dividend of US$0.25 per share Eligible shareholders must have bought the stock before 23 November 2021. Payment date: 15 December 2021. Trailing yield: 1.7%. Lower than top quartile of German dividend payers (3.1%). In line with average of industry peers (1.6%). Recent Insider Transactions • Nov 10
Director recently sold €504k worth of stock On the 8th of November, Michael Dunn sold around 10k shares on-market at roughly €50.43 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.3m more than they bought in the last 12 months. Reported Earnings • Nov 04
Third quarter 2021 earnings released: EPS US$2.25 (vs US$1.02 in 3Q 2020) The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$108.8m (up 23% from 3Q 2020). Net income: US$22.2m (up 98% from 3Q 2020). Profit margin: 20% (up from 13% in 3Q 2020). The increase in margin was driven by higher revenue. Recent Insider Transactions • Sep 08
Insider recently sold €145k worth of stock On the 3rd of September, Brian Fisher sold around 3k shares on-market at roughly €48.31 per share. In the last 3 months, there was an even bigger sale from another insider worth €248k. Insiders have been net sellers, collectively disposing of €1.5m more than they bought in the last 12 months. Recent Insider Transactions • Sep 01
Director recently sold €248k worth of stock On the 27th of August, Michael Dunn sold around 5k shares on-market at roughly €49.56 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.4m more than they bought in the last 12 months. Upcoming Dividend • Aug 17
Upcoming dividend of US$0.25 per share Eligible shareholders must have bought the stock before 24 August 2021. Payment date: 15 September 2021. Trailing yield: 1.8%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (3.7%). Reported Earnings • Aug 05
Second quarter 2021 earnings released: EPS US$1.98 (vs US$0.68 in 2Q 2020) The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$97.4m (up 11% from 2Q 2020). Net income: US$20.2m (up 170% from 2Q 2020). Profit margin: 21% (up from 8.5% in 2Q 2020). The increase in margin was primarily driven by higher revenue. Recent Insider Transactions • May 28
Independent Director recently sold €101k worth of stock On the 26th of May, Sandra Johnson sold around 3k shares on-market at roughly €37.98 per share. In the last 3 months, there was an even bigger sale from another insider worth €181k. Insiders have been net sellers, collectively disposing of €799k more than they bought in the last 12 months. Executive Departure • May 27
Independent Director has left the company On the 20th of May, Alvaro de Molina's tenure as Independent Director ended after 9.2 years in the role. As of March 2021, Alvaro personally held 17.43k shares (€506k worth at the time). Alvaro is the only executive to leave the company over the last 12 months. Upcoming Dividend • May 18
Upcoming dividend of US$0.25 per share Eligible shareholders must have bought the stock before 25 May 2021. Payment date: 15 June 2021. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (3.3%). Lower than average of industry peers (4.7%). Recent Insider Transactions • May 12
Director recently sold €181k worth of stock On the 10th of May, Michael Dunn sold around 5k shares on-market at roughly €36.18 per share. In the last 3 months, there was an even bigger sale from another insider worth €643k. Insiders have been net sellers, collectively disposing of €224k more than they bought in the last 12 months. Reported Earnings • May 06
First quarter 2021 earnings released: EPS US$2.42 (vs US$0.58 loss in 1Q 2020) The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$95.3m (up 2.5% from 1Q 2020). Net income: US$25.5m (up US$31.8m from 1Q 2020). Profit margin: 27% (up from net loss in 1Q 2020). The move to profitability was primarily driven by lower expenses. Announcement • May 05
Regional Management Corp. (NYSE:RM) announces an Equity Buyback for $30 million worth of its shares. Regional Management Corp. (NYSE:RM) announces a share repurchase program. Under the program, the company will repurchase up to $30 million worth of its outstanding shares. The program will continue through April 29, 2023. 
