DDM Analysis: RM

Valuation Snapshot

Stable Growth	$28.35 - $40.55	$34.33
Multi-Stage	$44.69 - $49.07	$46.84
Blended Fair Value	$40.58
Current Price	$29.21
Upside	38.93%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	0.00%	0.00%	1.21	1.19	1.13	0.95	0.22	0.00	0.00	0.00	0.00	0.00
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	8.28	5.18	3.11
Cash Retained (M)	29.75	29.75	29.75
(-) Cash Required (M)	-8.28	-5.18	-3.11
(=) Excess Retained (M)	21.47	24.58	26.65
(/) Shares Outstanding (M)	10.02	10.02	10.02
(=) Excess Retained per Share	2.14	2.45	2.66
LTM Dividend per Share	1.16	1.16	1.16
(+) Excess Retained per Share	2.14	2.45	2.66
(=) Adjusted Dividend	3.31	3.62	3.82
WACC / Discount Rate	9.43%	9.43%	9.43%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$28.35	$34.33	$40.55
Upside / Downside	-2.94%	17.53%	38.81%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	41.42	41.00	40.59	40.19	39.79	39.39	40.57
Payout Ratio	28.16%	40.53%	52.90%	65.26%	77.63%	90.00%	92.50%
Projected Dividends (M)	11.66	16.62	21.47	26.23	30.89	35.45	37.53

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.43%	9.43%	9.43%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	15.03	15.19	15.34
Year 2 PV (M)	17.57	17.93	18.30
Year 3 PV (M)	19.42	20.02	20.63
Year 4 PV (M)	20.68	21.54	22.42
Year 5 PV (M)	21.47	22.59	23.76
PV of Terminal Value (M)	353.73	372.15	391.33
Equity Value (M)	447.91	469.42	491.77
Shares Outstanding (M)	10.02	10.02	10.02
Fair Value	$44.69	$46.84	$49.07
Upside / Downside	52.99%	60.34%	67.98%

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Regional Management Corp. (RM)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener