Regional Management Corp.

DB:46F Stock Report

Market Cap: €325.3m

Regional Management Past Earnings Performance

Past criteria checks 1/6

Regional Management's earnings have been declining at an average annual rate of -7.9%, while the Consumer Finance industry saw earnings growing at 17.7% annually. Revenues have been growing at an average rate of 11.4% per year. Regional Management's return on equity is 6.7%, and it has net margins of 4.3%.

Key information

-7.9%

Earnings growth rate

-4.5%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate11.4%
Return on equity6.7%
Net Margin4.3%
Next Earnings Update05 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Regional Management makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:46F Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24557242470
30 Jun 24552252460
31 Mar 24543222440
31 Dec 23534162430
30 Sep 23525262340
30 Jun 23517272310
31 Mar 23508332270
31 Dec 22494512230
30 Sep 22483702230
30 Jun 22463822130
31 Mar 22441902050
31 Dec 21418891960
30 Sep 21396821840
30 Jun 21376711800
31 Mar 21366591720
31 Dec 20364271760
30 Sep 20363281690
30 Jun 20363291660
31 Mar 20356301650
31 Dec 19342451570
30 Sep 19331401530
30 Jun 19318351480
31 Mar 19307351440
31 Dec 18295351400
30 Sep 18284351380
30 Jun 18275331360
31 Mar 18269311340
31 Dec 17262301310
30 Sep 17254261260
30 Jun 17247271220
31 Mar 17239261200
31 Dec 16230241190
30 Sep 16223251180
30 Jun 16216251140
31 Mar 16212241130
31 Dec 15207231160
30 Sep 15205191140
30 Jun 15203141130
31 Mar 15198131080
31 Dec 1419515970
30 Sep 1419120880
30 Jun 1418226800
31 Mar 1417428740

Quality Earnings: 46F has high quality earnings.

Growing Profit Margin: 46F's current net profit margins (4.3%) are lower than last year (4.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 46F's earnings have declined by 7.9% per year over the past 5 years.

Accelerating Growth: 46F's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 46F had negative earnings growth (-8.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.2%).

Return on Equity

High ROE: 46F's Return on Equity (6.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/10 10:36
End of Day Share Price 2025/01/10 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Regional Management Corp. is covered by 13 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.

AnalystInstitution
David ChiaveriniBMO Capital Markets Equity Research
David ChiaveriniBMO Capital Markets U.S. (Historical)
Vincent CainticBTIG