RM Relative Valuation
RM's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, RM is overvalued; if below, it's undervalued.
Historical Valuation
Regional Management Corp (RM) is now in the Fair zone, suggesting that its current forward PE ratio of 6.47 is considered Fairly compared with the five-year average of 6.89. The fair price of Regional Management Corp (RM) is between 31.85 to 47.54 according to relative valuation methord.
Relative Value
Fair Zone
31.85-47.54
Current Price：37.43
Fair
6.37
PE
1Y
3Y
5Y
Trailing
Forward
11.04
EV/EBITDA
Regional Management Corp. (RM) has a current EV/EBITDA of 11.04. The 5-year average EV/EBITDA is 12.03. The thresholds are as follows: Strongly Undervalued below 9.02, Undervalued between 9.02 and 10.53, Fairly Valued between 13.54 and 10.53, Overvalued between 13.54 and 15.05, and Strongly Overvalued above 15.05. The current Forward EV/EBITDA of 11.04 falls within the Historic Trend Line -Fairly Valued range.
11.88
EV/EBIT
Regional Management Corp. (RM) has a current EV/EBIT of 11.88. The 5-year average EV/EBIT is 12.22. The thresholds are as follows: Strongly Undervalued below 8.00, Undervalued between 8.00 and 10.11, Fairly Valued between 14.33 and 10.11, Overvalued between 14.33 and 16.44, and Strongly Overvalued above 16.44. The current Forward EV/EBIT of 11.88 falls within the Historic Trend Line -Fairly Valued range.
0.53
PS
Regional Management Corp. (RM) has a current PS of 0.53. The 5-year average PS is 0.68. The thresholds are as follows: Strongly Undervalued below 0.10, Undervalued between 0.10 and 0.39, Fairly Valued between 0.97 and 0.39, Overvalued between 0.97 and 1.25, and Strongly Overvalued above 1.25. The current Forward PS of 0.53 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Regional Management Corp. (RM) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.08. The thresholds are as follows: Strongly Undervalued below -0.65, Undervalued between -0.65 and -0.28, Fairly Valued between 0.45 and -0.28, Overvalued between 0.45 and 0.82, and Strongly Overvalued above 0.82. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/FCF
Regional Management Corp. (RM) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.32. The thresholds are as follows: Strongly Undervalued below -2.47, Undervalued between -2.47 and -1.08, Fairly Valued between 1.71 and -1.08, Overvalued between 1.71 and 3.10, and Strongly Overvalued above 3.10. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
Regional Management Corp (RM) has a current Price-to-Book (P/B) ratio of 0.99. Compared to its 3-year average P/B ratio of 0.88 , the current P/B ratio is approximately 12.90% higher. Relative to its 5-year average P/B ratio of 1.15, the current P/B ratio is about -13.84% higher. Regional Management Corp (RM) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 83.81%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 67.62% , the current FCF yield is about -100.00% lower.
0.98
P/B
Median3y
0.88
Median5y
1.15
78.76
FCF Yield
Median3y
83.81
Median5y
67.62
Competitors Valuation Multiple
The average P/S ratio for RM's competitors is 0.00, providing a benchmark for relative valuation. Regional Management Corp Corp (RM) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 13.09%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of RM increased by 10.09% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 5.24 to 8.68.
The secondary factor is the Revenue Growth, contributed 13.09%to the performance.
Overall, the performance of RM in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
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