Regional Management vs SLM
RM and SLM side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How RM and SLM compare
SLM is the larger company, worth 9.8 times as much as Regional Management ($3.1B against $316M).
On earnings, SLM is cheaper: it trades at 6.1× trailing earnings, against 7.1× for Regional Management.
Regional Management grew revenue faster over the last twelve months (8.4% versus −6.7% for SLM).
SLM keeps more of each dollar of sales as profit, with a net margin of 31.7% compared with 7.0% at Regional Management.
Both pay dividends: Regional Management yields 3.4% and SLM 3.1%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | RM | SLM |
|---|---|---|
| Size and price | ||
| Market cap | $316M | $3.1B |
| Share price | $35.29 | $16.91 |
| Change, 1 year | −8.0% | −37.0% |
| Change, 5 years | −42.6% | −8.1% |
| Beta (5Y) | 1.06 | 1.11 |
| Employees | 2,112 | 1,788 |
| StockData Score | ||
| Total score | 14 | 14 |
| Valuation score | 6 (better) | 5 |
| Growth score | 1 | 2 (better) |
| Performance score | 1 | 3 (better) |
| Health score | 4 (better) | 1 |
| Dividend score | 2 | 3 (better) |
| Valuation | ||
| P/E | 7.1× | 6.1× (better) |
| P/S | 0.5× (better) | 1.7× |
| P/B | 0.8× (better) | 1.4× |
| EV/EBITDA | 3.8× | – |
| P/FCF | 1.0× | – |
| PEG | – | 0.24 |
| FCF yield | 101% | – |
| Fair value | $50.04 | $23.08 |
| Margin of safety | 29.5% (better) | 26.7% |
| Growth | ||
| Revenue growth (TTM) | 8.4% (better) | −6.7% |
| Revenue growth, 5Y average | 11.5% (better) | 1.8% |
| Net income growth (TTM) | 14.9% (better) | −9.0% |
| EPS growth (TTM) | 19.6% (better) | −3.2% |
| EPS growth, 5Y average | 13.1% (better) | 9.0% |
| Profitability | ||
| Net margin | 7.0% | 31.7% (better) |
| FCF margin | 46.7% | – |
| Return on equity | 12.6% | 24.7% (better) |
| Financial health | ||
| Debt / equity | 0.00 | 0.40 (better) |
| Altman Z-score | 0.69 (better) | 0.36 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.4% (better) | 3.1% |
| Payout ratio | – | 17.7% |
| Years of dividend growth | 0 | 2 (better) |
| Dividend growth, 5Y average | 43.1% (better) | 34.1% |
| Buyback yield | 9.6% | 17.6% (better) |
| Shareholder yield | 13.0% | 20.7% (better) |
| Ownership | ||
| Held by institutions | 91.5% | 115% |
| Held by insiders | 17.9% | 6.8% |
| Insider net buying, 12 months | −$12.3M | – |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 5.1% | – |
Go deeper
- RM stock overview
- RM income statement
- RM valuation and score
- SLM stock overview
- SLM income statement
- SLM valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.