Regional Management Company Leadership

RM Stock  USD 37.85  1.24  3.17%   
Regional Management employs about 2.1 K people. The company is managed by 21 executives with a total tenure of roughly 129 years, averaging almost 6.0 years of service per executive, having 101.48 employees per reported executive. Analysis of Regional Management's management performance can provide insight into the firm performance.
Carlos Palomares  Chairman
Independent Chairman of the Board
Alvaro Molina  Chairman
Independent Chairman of the Board
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

Regional Management Management Team Effectiveness

The company has Return on Asset (ROA) of 0.0443 % which means that for every $100 of assets, it generated a profit of $0.0443. This is way below average. Likewise, it shows a return on total equity (ROE) of 0.1143 %, which means that it produced $0.1143 on every 100 dollars invested by current stockholders. Regional Management's management efficiency ratios could be used to measure how well Regional Management manages its routine affairs as well as how well it operates its assets and liabilities.
The market capitalization of Regional Management Corp is $383.05 Million. The majority of Regional Management Corp outstanding shares are owned by third-party entities. These institutional holders are usually referred to as non-private investors looking to secure positions in Regional Management Corp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Regional Management. Please pay attention to any change in the institutional holdings of Regional Management Corp as this could imply that something significant has changed or is about to change at the company. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Some institutional investors establish a significant position in stocks such as Regional Management in order to find ways to drive up its value. Retail investors, on the other hand, need to know that institutional holders can own millions of shares of Regional Management, and when they decide to sell, the stock will often sell-off, which may instantly impact shareholders' value. So, traders who get in early or near the beginning of the institutional investor's buying cycle could potentially generate profits.

Regional Management Workforce Comparison

Regional Management Corp is currently regarded as top stock in number of employees category among its peers. The total workforce of Financials industry is at this time estimated at about 4,696. Regional Management totals roughly 2,131 in number of employees claiming about 45% of equities under Financials industry.
The company has Net Profit Margin (PM) of 0.07 %, which suggests that even a small decline in it sales will erase profits and may result in a net loss, or a negative profit margin. This is way below average. Likewise, it shows Net Operating Margin (NOM) of 0.26 %, which signifies that for every $100 of sales, it has a net operating income of $0.26.

Regional Management Insider Trading

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Regional Management insiders, such as employees or executives, is commonly permitted as long as it does not rely on Regional Management's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Regional Management insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Regional Management Notable Stakeholders

A Regional Management stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Regional Management often face trade-offs trying to please all of them. Regional Management's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Regional Management's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Lakhbir LambaCEO PresidentProfile
Carlos PalomaresIndependent Chairman of the BoardProfile
Alvaro MolinaIndependent Chairman of the BoardProfile
Harpreet RanaChief Financial Officer, Executive Vice PresidentProfile
Brian FisherExecutive Vice President, Chief Strategy and Development OfficerProfile
Robert BeckChief Financial Officer, Executive Vice PresidentProfile
Manish ParmarExecutive Vice President, Chief Credit Risk OfficerProfile
John SchachtelChief Operating Officer, Executive Vice PresidentProfile
Michael DymskiInterim Chief Financial Officer, Chief Accounting Officer, Vice PresidentProfile
Jonathan BrownIndependent DirectorProfile
Michael DunnIndependent DirectorProfile
Steven FreibergIndependent DirectorProfile
Maria ContrerasSweetIndependent DirectorProfile
Roel CamposIndependent DirectorProfile
Sandra JohnsonIndependent DirectorProfile
Catherine JDGeneral VPProfile
Philip BancroftIndependent DirectorProfile
Chris PetersonChief Data and Analytics OfficerProfile
Catherine AtwoodSenior Vice President General Counsel, SecretaryProfile
Steven BarnettePrincipal Accounting Officer, Vice President Corporate ControllerProfile
Brian JDExecutive OfficerProfile
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About Regional Management Management Performance

The success or failure of an entity such as Regional Management Corp often depends on how effective the management is. Regional Management management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Regional management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Regional management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
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. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina. Regional Managment operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 1691 people.

Regional Management Workforce Analysis

Traditionally, organizations such as Regional Management use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Regional Management within its industry.

Regional Management Manpower Efficiency

Return on Regional Management Manpower

Revenue Per Employee276.2K
Revenue Per Executive28M
Net Income Per Employee19.3K
Net Income Per Executive2M
Working Capital Per Employee275K
Working Capital Per Executive27.9M
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
You can also try the Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
Is Consumer Finance space 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.
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.