Regional Management Corp (RM) - Net Assets
Based on the latest financial reports, Regional Management Corp (RM) has net assets worth $375.85 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.07 Billion) and total liabilities ($1.70 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Regional Management Corp (RM) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $375.85 Million |
| % of Total Assets | 18.13% |
| Annual Growth Rate | 15.41% |
| 5-Year Change | 31.96% |
| 10-Year Change | 79.83% |
| Growth Volatility | 25.22 |
Regional Management Corp - Net Assets Trend (2010–2025)
This chart illustrates how Regional Management Corp's net assets have evolved over time, based on quarterly financial data. See RM defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Regional Management Corp (2010–2025)
The table below shows the annual net assets of Regional Management Corp from 2010 to 2025. For live valuation and market cap data, see RM market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $373.09 Million | +4.48% |
| 2024-12-31 | $357.08 Million | +10.80% |
| 2023-12-31 | $322.27 Million | +4.42% |
| 2022-12-31 | $308.63 Million | +9.16% |
| 2021-12-31 | $282.74 Million | +3.90% |
| 2020-12-31 | $272.12 Million | -10.13% |
| 2019-12-31 | $302.78 Million | +8.46% |
| 2018-12-31 | $279.16 Million | +16.60% |
| 2017-12-31 | $239.41 Million | +15.39% |
| 2016-12-31 | $207.47 Million | +1.10% |
| 2015-12-31 | $205.23 Million | +15.09% |
| 2014-12-31 | $178.32 Million | +10.64% |
| 2013-12-31 | $161.17 Million | +24.74% |
| 2012-12-31 | $129.20 Million | +99.15% |
| 2011-12-31 | $64.88 Million | +49.34% |
| 2010-12-31 | $43.44 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Regional Management Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 16000.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $410.72 Million | 110.09% |
| Common Stock | $1.52 Million | 0.41% |
| Other Comprehensive Income | $-2.00K | 0.00% |
| Total Equity | $373.09 Million | 100.00% |
Regional Management Corp Competitors by Market Cap
The table below lists competitors of Regional Management Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
XiAn Global Printing Co Ltd
SHE:002799
|
$316.58 Million |
|
Southern Score Builders Berhad
KLSE:0045
|
$316.67 Million |
|
Ercros
MC:ECR
|
$316.83 Million |
|
Zhejiang Giuseppe Garment Co Ltd
SHE:002687
|
$316.88 Million |
|
Taiwan Optical Platform Co Ltd
TW:6464
|
$316.47 Million |
|
Shenzhen Capol International & Associates Co Ltd
SHE:002949
|
$316.42 Million |
|
Cadiz Inc
NASDAQ:CDZI
|
$316.39 Million |
|
STP&I Public Company Limited
BK:STPI
|
$316.33 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Regional Management Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 357,078,000 to 373,092,000, a change of 16,014,000 (4.5%).
- Net income of 44,412,000 contributed positively to equity growth.
- Dividend payments of 11,485,000 reduced retained earnings.
- Share repurchases of 23,984,000 reduced equity.
- Other comprehensive income decreased equity by 64,000.
- Other factors increased equity by 7,135,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $44.41 Million | +11.9% |
| Dividends Paid | $11.48 Million | -3.08% |
| Share Repurchases | $23.98 Million | -6.43% |
| Other Comprehensive Income | $-64.00K | -0.02% |
| Other Changes | $7.13 Million | +1.91% |
| Total Change | $- | 4.48% |
Book Value vs Market Value Analysis
This analysis compares Regional Management Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.99x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 8.19x to 0.99x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2010-12-31 | $4.54 | $37.17 | x |
| 2011-12-31 | $6.74 | $37.17 | x |
| 2012-12-31 | $10.78 | $37.17 | x |
| 2013-12-31 | $12.50 | $37.17 | x |
| 2014-12-31 | $13.77 | $37.17 | x |
| 2015-12-31 | $15.70 | $37.17 | x |
| 2016-12-31 | $17.17 | $37.17 | x |
| 2017-12-31 | $20.32 | $37.17 | x |
| 2018-12-31 | $23.11 | $37.17 | x |
| 2019-12-31 | $25.72 | $37.17 | x |
| 2020-12-31 | $24.42 | $37.17 | x |
| 2021-12-31 | $26.57 | $37.17 | x |
| 2022-12-31 | $31.96 | $37.17 | x |
| 2023-12-31 | $33.59 | $37.17 | x |
| 2024-12-31 | $35.39 | $37.17 | x |
| 2025-12-31 | $37.57 | $37.17 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Regional Management Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.90%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 6.88%
- • Asset Turnover: 0.30x
- • Equity Multiplier: 5.85x
- Recent ROE (11.90%) is below the historical average (16.54%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2010 | 37.85% | 18.94% | 0.36x | 5.56x | $12.10 Million |
| 2011 | 32.43% | 19.97% | 0.35x | 4.69x | $14.55 Million |
| 2012 | 19.16% | 18.24% | 0.31x | 3.36x | $11.83 Million |
| 2013 | 17.87% | 16.88% | 0.32x | 3.31x | $12.68 Million |
| 2014 | 8.30% | 7.23% | 0.39x | 2.97x | $-3.03 Million |
| 2015 | 11.38% | 10.75% | 0.35x | 3.07x | $2.84 Million |
| 2016 | 11.58% | 9.99% | 0.34x | 3.43x | $3.28 Million |
| 2017 | 12.52% | 11.00% | 0.33x | 3.46x | $6.02 Million |
| 2018 | 12.66% | 11.52% | 0.32x | 3.43x | $7.43 Million |
| 2019 | 14.77% | 12.58% | 0.31x | 3.83x | $14.45 Million |
| 2020 | 9.82% | 7.15% | 0.34x | 4.06x | $-482.30K |
| 2021 | 31.37% | 20.70% | 0.29x | 5.16x | $60.41 Million |
| 2022 | 16.60% | 10.10% | 0.29x | 5.59x | $20.36 Million |
| 2023 | 4.95% | 2.89% | 0.31x | 5.57x | $-16.27 Million |
| 2024 | 11.55% | 7.01% | 0.31x | 5.35x | $5.52 Million |
| 2025 | 11.90% | 6.88% | 0.30x | 5.85x | $7.10 Million |
Industry Comparison
This section compares Regional Management Corp's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $5,362,476,965
- Average return on equity (ROE) among peers: 6.27%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Regional Management Corp (RM) | $375.85 Million | 37.85% | 4.51x | $316.48 Million |
| Affirm Holdings Inc (AFRM) | $2.73 Billion | -18.95% | 2.48x | $21.03 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $1.49 Billion | 13.91% | 20.04x | $1.71 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $1.72 Billion | 12.06% | 19.66x | $142.66 Million |
| AIOS Tech Inc. (AIOS) | $189.80 Million | 9.28% | 0.49x | $3.53 Million |
| Ally Financial Inc (ALLY) | $20.49 Billion | 5.25% | 7.40x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $158.11 Million |
| Atlanticus Holdings Corporation (ATLC) | $738.20 Million | 13.64% | 0.36x | $1.34 Billion |
| American Express Company (AXP) | $22.00 Billion | 31.46% | 7.59x | $215.64 Billion |
| Bread Financial Holdings, Inc. (BFH) | $3.33 Billion | 15.57% | 5.81x | $4.10 Billion |
| Credit Acceptance Corporation (CACC) | $928.10 Million | 32.29% | 2.65x | $5.46 Billion |
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