Regional Management Corp - Asset Resilience Ratio
Regional Management Corp (RM) has an Asset Resilience Ratio of 1.18% as of December 2022. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Regional Management Corp (RM) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2010–2022)
This chart shows how Regional Management Corp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see RM asset base.
Liquid Assets Composition Over Time
This chart breaks down Regional Management Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Regional Management Corp (RM) investment intensity to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $20.42 Million | 1.18% |
| Total Liquid Assets | $20.42 Million | 1.18% |
Asset Resilience Insights
- Limited Liquidity: Regional Management Corp maintains only 1.18% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Regional Management Corp Industry Peers by Asset Resilience Ratio
Compare Regional Management Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Oportun Financial Corp
NASDAQ:OPRT |
Credit Services | 0.00% |
|
Gentera S.A.B. de C.V
MX:GENTERA |
Credit Services | 0.95% |
|
Krungthai Card Public Company Limited
BK:KTC-R |
Credit Services | 0.00% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
OppFi Inc
NYSE:OPFI |
Credit Services | 6.56% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Blender Financial Technologies Ltd
TA:BLND |
Credit Services | 1.42% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
Annual Asset Resilience Ratio for Regional Management Corp (2010–2022)
The table below shows the annual Asset Resilience Ratio data for Regional Management Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2022-12-31 | 1.18% | $20.42 Million | $1.72 Billion | +0.73pp |
| 2021-12-31 | 0.45% | $6.59 Million | $1.46 Billion | +0.43pp |
| 2020-12-31 | 0.02% | $265.00K | $1.10 Billion | -2.00pp |
| 2017-12-31 | 2.02% | $16.79 Million | $829.48 Million | +0.86pp |
| 2016-12-31 | 1.16% | $8.30 Million | $712.22 Million | -0.51pp |
| 2015-12-31 | 1.67% | $10.51 Million | $629.07 Million | +1.31pp |
| 2014-12-31 | 0.36% | $1.90 Million | $530.27 Million | +0.00pp |
| 2013-12-31 | 0.36% | $1.90 Million | $533.89 Million | +0.36pp |
| 2012-12-31 | 0.00% | $1.00K | $434.52 Million | -0.44pp |
| 2011-12-31 | 0.44% | $1.34 Million | $304.15 Million | +0.07pp |
| 2010-12-31 | 0.37% | $888.00K | $241.36 Million | -- |
About Regional Management Corp
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. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment a… Read more