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Upturn AI SWOT - About
RM 
Regional Management Corp (RM)
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Upturn Advisory Summary
08/14/2025: RM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $39.75
1 Year Target Price $39.75
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.37% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 377.07M USD | Price to earnings Ratio 11.12 | 1Y Target Price 39.75 |
Price to earnings Ratio 11.12 | 1Y Target Price 39.75 | ||
Volume (30-day avg) 6 | Beta 1.24 | 52 Weeks Range 25.14 - 38.61 | Updated Date 08/15/2025 |
52 Weeks Range 25.14 - 38.61 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 3.46 |
Earnings Date
Report Date 2025-07-30 | When - | Estimate 0.72 | Actual 1.03 |
Profitability
Profit Margin 5.87% | Operating Margin (TTM) 22.28% |
Management Effectiveness
Return on Assets (TTM) 4.16% | Return on Equity (TTM) 9.81% |
Valuation
Trailing PE 11.12 | Forward PE 6.52 | Enterprise Value 1916209408 | Price to Sales(TTM) 0.64 |
Enterprise Value 1916209408 | Price to Sales(TTM) 0.64 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 9799070 | Shares Floating 6816230 |
Shares Outstanding 9799070 | Shares Floating 6816230 | ||
Percent Insiders 8.9 | Percent Institutions 86.15 |
Upturn AI SWOT
Regional Management Corp
Company Overview
History and Background
Regional Management Corp was founded in 1987. It initially focused on providing small-loan services in South Carolina. Over time, it expanded its geographic footprint and diversified its product offerings, becoming a significant player in the consumer finance industry.
Core Business Areas
- Small Loans: Provides unsecured and secured installment loans to customers with limited access to traditional credit sources. These loans are typically used for debt consolidation, vehicle purchases, home improvements, and other personal needs.
- Retail Sales Finance: Offers point-of-sale financing for retail purchases, allowing customers to finance furniture, appliances, and other durable goods.
- Insurance Products: Sells credit life, credit accident and health, and property insurance policies related to its loans and retail sales finance contracts.
Leadership and Structure
Regional Management Corp is led by a board of directors and a senior management team. The organizational structure includes departments for lending operations, finance, marketing, and compliance.
Top Products and Market Share
Key Offerings
- Unsecured Installment Loans: Unsecured loans offered to consumers for various purposes. While precise market share data for Regional Management Corp's unsecured lending is not readily available, competitors include companies like OneMain Financial (OMF), World Acceptance Corp (WRLD), and Enova International (ENVA). Revenue from this product is significant, contributing the largest portion of its earnings. Competitors also include local credit unions and banks.
- Secured Installment Loans: Secured loans backed by collateral. As with unsecured loans, specific market share data is not public. The competitors are the same with the unsecured installment loans. Revenue from this product is second largest revenue stream.
- Retail Sales Finance: The third largest revenue stream that is shrinking. The competitors include companies like OneMain Financial (OMF), World Acceptance Corp (WRLD), and Enova International (ENVA).
Market Dynamics
Industry Overview
The consumer finance industry is characterized by serving individuals with limited access to traditional banking services. It is influenced by economic conditions, regulatory changes, and competition from alternative lending platforms.
Positioning
Regional Management Corp is positioned as a regional provider of small-loan services, focusing on underserved markets and providing personalized customer service. Its competitive advantages include its branch network, underwriting expertise, and relationships with local communities.
Total Addressable Market (TAM)
The TAM for the subprime lending market is estimated to be in the tens of billions of dollars. Regional Management Corp's market share represents only a fraction of this, leaving significant room for growth.
Upturn SWOT Analysis
Strengths
- Established branch network
- Experienced management team
- Strong underwriting capabilities
- Focus on customer service
- Access to capital markets
Weaknesses
- High operating costs
- Concentrated geographic presence
- Dependence on loan origination volume
- Susceptibility to regulatory changes
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding into new geographic markets
- Developing new loan products
- Leveraging technology to improve efficiency
- Acquiring smaller competitors
- Increase financial literacy programs
Threats
- Increased competition from online lenders
- Economic downturns
- Changes in consumer credit regulations
- Rising interest rates
- Increased compliance costs
Competitors and Market Share
Key Competitors
- OMF
- WRLD
- ENVA
Competitive Landscape
Regional Management Corp faces competition from larger national players and smaller regional lenders. Its advantages include its established branch network and local market expertise. Its disadvantages include higher operating costs and a limited geographic presence.
Major Acquisitions
Lendmark Financial Services
- Year: 2015
- Acquisition Price (USD millions): 380
- Strategic Rationale: Expanded geographic footprint and customer base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by expansion into new markets and organic loan growth.
Future Projections: Analyst estimates suggest continued growth, driven by expanding into new markets and leveraging technology to improve efficiency. However, the estimates vary, depending on the overall economic conditions.
Recent Initiatives: Recent strategic initiatives include expanding into new geographic markets, investing in technology to improve customer experience, and focusing on compliance with regulatory requirements.
Summary
Regional Management Corp is a regional player in the consumer finance industry with a focus on small loans. Its strengths include an established branch network and underwriting expertise, but weaknesses include high operating costs and a concentrated geographic presence. The company faces threats from increased competition and regulatory changes but has opportunities to expand into new markets and develop new loan products. Financial performance has been inconsistent, and future growth depends on successful execution of strategic initiatives.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Industry publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Past performance is not indicative of future results. Market share data is approximate and based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Regional Management Corp
Exchange NYSE | Headquaters Greer, SC, United States | ||
IPO Launch date 2012-03-28 | President, CEO & Director Mr. Robert William Beck | ||
Sector Financial Services | Industry Credit Services | Full time employees 2131 | |
Full time employees 2131 | |||
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. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
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