Regional Management Corp Stock Buy Hold or Sell Recommendation
| RM Stock | USD 26.26 0.12 0.45% |
Allowing for the 90-day total investment horizon and your above-average risk tolerance, our recommendation regarding Regional Management Corp is 'Strong Hold'. Macroaxis provides Regional Management buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding RM positions. The advice algorithm takes into account all of Regional Management's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Regional Management's buy or sell advice are summarized below:
Real Value 30.91 | Target Price 37 | Hype Value 26.25 | Market Value 26.26 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Regional Management Corp given historical horizon and risk tolerance towards Regional Management. When Macroaxis issues a 'buy' or 'sell' recommendation for Regional Management Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Regional |
Execute Regional Management Buy or Sell Advice
The Regional recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Regional Management Corp. Macroaxis does not own or have any residual interests in Regional Management Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Regional Management's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Regional Management Trading Alerts and Improvement Suggestions
| Regional Management has a strong financial position based on the latest SEC filings | |
| Over 82.0% of the company shares are owned by institutional investors | |
| On 14th of March 2024 Regional Management paid $ 0.3 per share dividend to its current shareholders | |
| Latest headline from news.google.com: Regional Management Stock Price Crosses Above 200-Day Moving Average of 24.29 - Defense World |
Regional Management Returns Distribution Density
The distribution of Regional Management's historical returns is an attempt to chart the uncertainty of Regional Management's future price movements. The chart of the probability distribution of Regional Management daily returns describes the distribution of returns around its average expected value. We use Regional Management Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Regional Management returns is essential to provide solid investment advice for Regional Management.
| Mean Return | 0.10 | Value At Risk | -2.98 | Potential Upside | 2.91 | Standard Deviation | 2.46 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Regional Management historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Regional Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Regional Management is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Regional Management Corp backward and forwards among themselves. Regional Management's institutional investor refers to the entity that pools money to purchase Regional Management's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | State Street Corporation | 2023-12-31 | 152.6 K | Bank Of New York Mellon Corp | 2023-12-31 | 107.3 K | Tieton Capital Management, Llc | 2023-12-31 | 106 K | Morgan Stanley - Brokerage Accounts | 2023-12-31 | 100.7 K | Bridgeway Capital Management, Llc | 2023-12-31 | 91.5 K | American Century Companies Inc | 2023-12-31 | 90.1 K | Northern Trust Corp | 2023-12-31 | 88.8 K | Acadian Asset Management Llc | 2023-12-31 | 77.8 K | Charles Schwab Investment Management Inc | 2023-12-31 | 69.6 K | Blackrock Inc | 2023-12-31 | 1.4 M | Forager Capital Management, Llc | 2023-12-31 | 983.7 K |
Regional Management Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 6.3M | 15.4M | 77.3M | (17.4M) | (3.1M) | (3.0M) | |
| Free Cash Flow | 157.7M | 166.8M | 182.2M | 212.9M | 237.1M | 123.2M | |
| Depreciation | 10.9M | 13.3M | 11.7M | 12.7M | 14.6M | 7.6M | |
| Other Non Cash Items | 100.0M | 124.3M | 70.7M | 169.4M | 206.3M | 216.6M | |
| Capital Expenditures | 7.4M | 5.8M | 6.9M | 11.4M | 12.1M | 6.8M | |
| Net Income | 44.7M | 26.7M | 88.7M | 51.2M | 16.0M | 15.2M | |
| End Period Cash Flow | 56.4M | 71.9M | 149.2M | 131.8M | 128.7M | 135.1M | |
| Investments | (268.3M) | (93.0M) | (348.2M) | (435.9M) | (278.7M) | (292.7M) | |
| Net Borrowings | 142.8M | (42.5M) | 330.2M | 240.5M | 276.6M | 290.4M | |
| Change To Netincome | 103.7M | 130.5M | 89.6M | 200.8M | 230.9M | 242.5M |
Regional Management Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Regional Management or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Regional Management's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Regional stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | 0.05 | |
β | Beta against NYSE Composite | 0.52 | |
σ | Overall volatility | 2.48 | |
Ir | Information ratio | 0.01 |
Regional Management Volatility Alert
Regional Management Corp currently demonstrates below-average downside deviation. It has Information Ratio of 0.0 and Jensen Alpha of 0.05. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Regional Management's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Regional Management's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Regional Management Fundamentals Vs Peers
Comparing Regional Management's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Regional Management's direct or indirect competition across all of the common fundamentals between Regional Management and the related equities. This way, we can detect undervalued stocks with similar characteristics as Regional Management or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Regional Management's fundamental indicators could also be used in its relative valuation, which is a method of valuing Regional Management by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Regional Management to competition |
| Fundamentals | Regional Management | Peer Average |
| Return On Equity | 0.0506 | -0.31 |
| Return On Asset | 0.0313 | -0.14 |
| Profit Margin | 0.03 % | (1.27) % |
| Operating Margin | 0.06 % | (5.51) % |
| Current Valuation | 1.68 B | 16.62 B |
| Shares Outstanding | 9.87 M | 571.82 M |
| Shares Owned By Insiders | 7.77 % | 10.09 % |
| Shares Owned By Institutions | 82.29 % | 39.21 % |
| Number Of Shares Shorted | 260.13 K | 4.71 M |
| Price To Earning | 5.56 X | 28.72 X |
| Price To Book | 0.76 X | 9.51 X |
| Price To Sales | 0.46 X | 11.42 X |
| Revenue | 551.4 M | 9.43 B |
| Gross Profit | 309.24 M | 27.38 B |
| EBITDA | 267.48 M | 3.9 B |
| Net Income | 15.96 M | 570.98 M |
| Cash And Equivalents | 13.01 M | 2.7 B |
| Cash Per Share | 1.36 X | 5.01 X |
| Total Debt | 1.43 B | 5.32 B |
| Debt To Equity | 4.07 % | 48.70 % |
| Current Ratio | 42.53 X | 2.16 X |
| Book Value Per Share | 33.02 X | 1.93 K |
| Cash Flow From Operations | 249.17 M | 971.22 M |
| Short Ratio | 8.90 X | 4.00 X |
| Earnings Per Share | 1.66 X | 3.12 X |
| Price To Earnings To Growth | 0.42 X | 4.89 X |
| Target Price | 28.67 | |
| Number Of Employees | 2.08 K | 18.84 K |
| Beta | 1.47 | -0.15 |
| Market Capitalization | 260.32 M | 19.03 B |
| Total Asset | 1.79 B | 29.47 B |
| Retained Earnings | 349.58 M | 9.33 B |
| Working Capital | 585.99 M | 1.48 B |
Note: Acquisition by Brian Fisher of 11058 shares of Regional Management subject to Rule 16b-3 [view details]
Regional Management Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Regional . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Regional Management Buy or Sell Advice
When is the right time to buy or sell Regional Management Corp? Buying financial instruments such as Regional Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Total Stockholder Equity | 282.7M | 308.6M | 322.3M | 234.6M | Total Assets | 1.5B | 1.7B | 1.8B | 975.0M |
Use Investing Ideas to Build Portfolios
In addition to having Regional Management in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Conservative Funds Thematic Idea Now
Conservative Funds
Funds or Etfs that invest using buy-and-hold investment strategy in companies with consistent growth over many years of operation. The Conservative Funds theme has 41 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Conservative Funds Theme or any other thematic opportunities.
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Check out Regional Management Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
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When running Regional Management's price analysis, check to measure Regional Management's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Regional Management is operating at the current time. Most of Regional Management's value examination focuses on studying past and present price action to predict the probability of Regional Management's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Regional Management's price. Additionally, you may evaluate how the addition of Regional Management to your portfolios can decrease your overall portfolio volatility.
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Is Regional Management's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Regional Management. If investors know Regional will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Regional Management listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.14) | Dividend Share 1.2 | Earnings Share 1.66 | Revenue Per Share 56.845 | Quarterly Revenue Growth 0.07 |
The market value of Regional Management Corp is measured differently than its book value, which is the value of Regional that is recorded on the company's balance sheet. Investors also form their own opinion of Regional Management's value that differs from its market value or its book value, called intrinsic value, which is Regional Management's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Regional Management's market value can be influenced by many factors that don't directly affect Regional Management's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Regional Management's value and its price as these two are different measures arrived at by different means. Investors typically determine if Regional Management is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Regional Management's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.