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. Read RM total debt and obligations for a breakdown of total debt and financial obligations.
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. See RM book value for net asset value and shareholders' equity analysis.
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. For market capitalisation and broader financial context, see RM company net worth.
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 |
|---|---|---|
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Wisr Ltd
AU:WZR |
Credit Services | 0.02% |
|
Intan Baruprana Finance Tbk
JK:IBFN |
Credit Services | 7.72% |
|
Fast Finance SA
WAR:FFI |
Credit Services | 69.30% |
|
Funding Circle Holdings PLC
LSE:FCH |
Credit Services | 54.97% |
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