Regional Management Balance Sheet Health
Financial Health criteria checks 2/6
Regional Management has a total shareholder equity of $352.9M and total debt of $1.4B, which brings its debt-to-equity ratio to 394.2%. Its total assets and total liabilities are $1.8B and $1.5B respectively. Regional Management's EBIT is $105.0M making its interest coverage ratio 1.5. It has cash and short-term investments of $4.7M.
Key information
394.2%
Debt to equity ratio
US$1.39b
Debt
| Interest coverage ratio | 1.5x |
| Cash | US$4.75m |
| Equity | US$352.93m |
| Total liabilities | US$1.47b |
| Total assets | US$1.82b |
Recent financial health updates
No updates
Recent updates
Regional Management Corp.'s (NYSE:RM) Shares Not Telling The Full Story
May 07
Regional Management: A Hold Despite Non-Prime Market Potential
Apr 18Regional Management (NYSE:RM) Will Pay A Dividend Of $0.30
Feb 11Regional Management Corp. (NYSE:RM) Soars 26% But It's A Story Of Risk Vs Reward
Dec 28Regional Management (NYSE:RM) Has Affirmed Its Dividend Of $0.30
Nov 12Regional Management Corp.: Delinquencies Rate Improves, But Not The Investment Case
Sep 26Regional Management (NYSE:RM) Is Due To Pay A Dividend Of $0.30
Aug 06Regional Management (NYSE:RM) Is Due To Pay A Dividend Of $0.30
May 07Regional Management expands operations in Idaho
Dec 21Regional Management Corp.: Robust Sales, Strong Margins, Stable Loan Book
Nov 03Here's Why Regional Management (NYSE:RM) Has Caught The Eye Of Investors
Oct 27Regional Management closes $200M asset-backed securitization
Oct 20Regional Management expands operations to Louisiana
Sep 13Regional Management goes ex-dividend tomorrow
Aug 22Should You Be Adding Regional Management (NYSE:RM) To Your Watchlist Today?
May 13Regional Management's (NYSE:RM) Dividend Will Be Increased To US$0.30
Feb 13Financial Position Analysis
Short Term Liabilities: RM's short term assets ($1.7B) exceed its short term liabilities ($38.3M).
Long Term Liabilities: RM's short term assets ($1.7B) exceed its long term liabilities ($1.4B).
Debt to Equity History and Analysis
Debt Level: RM's net debt to equity ratio (392.9%) is considered high.
Reducing Debt: RM's debt to equity ratio has increased from 248.1% to 394.2% over the past 5 years.
Debt Coverage: RM's debt is not well covered by operating cash flow (19.5%).
Interest Coverage: RM's interest payments on its debt are not well covered by EBIT (1.5x coverage).
Balance Sheet
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/10 16:00 |
| End of Day Share Price | 2025/01/08 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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.
| Analyst | Institution |
|---|---|
| David Chiaverini | BMO Capital Markets Equity Research |
| David Chiaverini | BMO Capital Markets U.S. (Historical) |
| Vincent Caintic | BTIG |