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Regional Management Corp. (RM)

Company Dividend Discount ModelIndustry: Financial - Credit ServicesSector: Financial Services

Valuation Snapshot

Stable Growth$28.36 - $40.57$34.35
Multi-Stage$44.72 - $49.10$46.87
Blended Fair Value$40.61
Current Price$29.21
Upside39.02%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.00%0.00%1.211.191.130.950.220.000.000.000.000.00
YoY Growth--2.15%4.69%19.04%330.37%0.00%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--4.02%4.93%4.34%1.96%0.64%0.00%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)41.42
(-) Cash Dividends Paid (M)11.66
(=) Cash Retained (M)29.75
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)8.285.183.11
Cash Retained (M)29.7529.7529.75
(-) Cash Required (M)-8.28-5.18-3.11
(=) Excess Retained (M)21.4724.5826.65
(/) Shares Outstanding (M)10.0210.0210.02
(=) Excess Retained per Share2.142.452.66
LTM Dividend per Share1.161.161.16
(+) Excess Retained per Share2.142.452.66
(=) Adjusted Dividend3.313.623.82
WACC / Discount Rate9.42%9.42%9.42%
Growth Rate-2.00%-1.00%0.00%
Fair Value$28.36$34.35$40.57
Upside / Downside-2.90%17.58%38.88%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)41.4241.0040.5940.1939.7939.3940.57
Payout Ratio28.16%40.53%52.90%65.26%77.63%90.00%92.50%
Projected Dividends (M)11.6616.6221.4726.2330.8935.4537.53

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.42%9.42%9.42%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)15.0315.1915.34
Year 2 PV (M)17.5717.9318.30
Year 3 PV (M)19.4220.0220.63
Year 4 PV (M)20.6921.5422.43
Year 5 PV (M)21.4822.6023.76
PV of Terminal Value (M)354.04372.48391.67
Equity Value (M)448.23469.76492.13
Shares Outstanding (M)10.0210.0210.02
Fair Value$44.72$46.87$49.10
Upside / Downside53.10%60.46%68.10%

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