Regional Management Corp. Ratios

Ratios Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
Gross Margin 98.05%97.96%97.67%96.91%96.77%97.16%97.38%97.47%97.69%97.23%96.64%96.97%97.14%96.77%
EBT Margin 29.51%31.64%28.97%27.11%11.69%17.55%16.19%14.78%14.97%16.58%9.61%26.26%12.88%3.77%9.19%
EBIT Margin 41.10%11.07%10.14%9.49%4.09%6.14%5.67%5.17%3.14%3.48%2.02%5.51%2.70%0.79%1.93%
EBITDA Margin 41.10%11.07%10.14%9.49%4.09%6.14%5.67%5.17%3.14%3.48%7.15%20.70%9.98%2.93%7.08%
Operating Margin 11.07%10.14%9.49%4.09%6.14%5.67%5.17%3.14%3.48%2.02%5.51%2.70%0.79%1.93%
Net Margin 18.94%19.97%18.24%14.94%5.01%10.70%9.99%11.00%10.15%12.19%7.15%19.70%10.10%2.89%7.01%
FCF Margin 46.07%36.94%41.07%40.11%40.31%36.83%39.00%40.62%45.95%42.84%43.07%43.29%43.07%44.34%44.84%
Efficiency
Assets Average 369.33M484.20M532.08M578.32M669.30M770.85M892.94M1,057.47M1,131.20M1,281.76M1,592.32M1,762.49M1,854.55M
Equity Average 41.51M90.67M145.19M169.75M191.78M206.35M223.44M259.29M290.97M287.45M277.43M295.68M315.45M339.68M
Invested Capital 30.90M52.13M129.20M161.17M519.74M616.40M699.15M810.91M930.51M1,111.00M1,041.03M1,390.69M1,663.99M1,722.09M1,835.41M
Asset Utilization Ratio 0.370.350.380.380.360.350.340.340.330.330.320.310.32
Leverage & Solvency
Interest Coverage Ratio 3.550.951.191.140.560.820.680.590.290.310.200.75
Debt to Equity 3.952.262.251.911.810.100.120.050.360.260.101.371.31
Debt Ratio 0.680.670.680.640.590.030.030.010.090.050.020.250.24
Equity Ratio 0.170.300.300.340.330.290.290.290.260.250.190.180.180.19
Times Interest Earned 3.550.951.191.140.560.820.680.590.290.310.200.75
Dividends & Payouts
FCF Payout Ratio 0.010.050.050.050.05
Valuation
Enterprise Value -0.86M7.15M203.36M423.83M197.46M192.12M296.33M301.73M279.92M328.88M330.43M559.02M265.30M242.15M341.39M
Market Capitalization 206.66M427.95M201.47M199.78M300.77M306.96M283.58M331.14M338.49M569.53M269.17M246.66M345.35M
Return Ratios
Return on Sales 0.19%0.20%0.18%0.15%0.05%0.11%0.10%0.11%0.10%0.12%0.07%0.20%0.10%0.03%0.07%
Return on Invested Capital 0.18%0.10%0.06%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.00%0.00%
Return on Assets 0.07%0.05%0.02%0.04%0.04%0.04%0.03%0.04%0.02%0.07%0.03%0.01%0.02%
Return on Equity 0.51%0.27%0.18%0.06%0.12%0.12%0.13%0.12%0.15%0.09%0.30%0.17%0.05%0.12%