Regional Management Corp. cash flow to debt ratio of 17.82% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Regional Management Corp.'s free cash flow has increased 10.66% from $263.87M last year to $291.99M, signaling increasing performance

Regional Management Corp.'s debt to equity ratio is 4.54, which means that the company's assets are unhealthy financed, signaling financial risk.

Regional Management Corp.'s debt has increased relative to shareholder equity from 4.24 last year to 4.54 today, signaling weakened financials

Regional Management Corp. has a net debt to EBITDA ratio of 17.77x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Regional Management Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

Regional Management Corp.'s profit margin has decreased (0.32%) in the last year from 7.01% to 6.98%, signaling decreasing performance

Regional Management Corp.'s short-term assets of $1.98B exceed its short-term liabilities of $235.71M

Regional Management Corp.'s return on assets of 2.20% is lower than the 5.00% threshold, indicating inefficient asset utilization

Regional Management Corp.'s return on equity of 12.49%, is lower than 15.00%, indicating bad performance

Regional Management Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Regional Management Corp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Regional Management Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

Regional Management Corp. has a free cash flow yield of 100.67%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Regional Management Corp.'s yearly earnings has increased 7.73% since last year from $41.23M to $44.41M, signaling increasing performance

Regional Management Corp.'s yearly revenue has increased 9.70% since last year from $588.50M to $645.60M, signaling increasing performance

ROIC 4.76% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Regional Management Corp.'s 3-year revenue CAGR of 8.37% is positive, indicating growing revenue over the past 3 years

Regional Management Corp. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Regional Management Corp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Regional Management Corp. is undervalued relative to its fair value price of 400.70 based on Discounted Cash Flow model

Regional Management Corp. has an earnings yield of 16.54%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Regional Management Corp. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Regional Management Corp. has an EV/EBITDA ratio of 20.92x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Regional Management Corp. is undervalued relative to its fair value price of 155.48 based on Earnings Fair Value model

Regional Management Corp. has a PEG-ratio under 1 which is considered undervalued

Regional Management Corp. has a price-to-book ratio of 0.75x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Regional Management Corp. has a price-to-sales ratio of 0.42x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue