Quick10K

Regional Management

Market

Closing Price ($)	Shares Out (MM)	Market Cap ($MM)
$26.04	12	$311

Financial Filings

10-Q	2019-09-30	Quarter: 2019-09-30
10-Q	2019-06-30	Quarter: 2019-06-30
10-Q	2019-03-31	Quarter: 2019-03-31
10-K	2018-12-31	Annual: 2018-12-31
10-Q	2018-09-30	Quarter: 2018-09-30
10-Q	2018-06-30	Quarter: 2018-06-30
10-Q	2018-03-31	Quarter: 2018-03-31
10-K	2017-12-31	Annual: 2017-12-31
10-Q	2017-09-30	Quarter: 2017-09-30
10-Q	2017-06-30	Quarter: 2017-06-30
10-Q	2017-03-31	Quarter: 2017-03-31
10-K	2016-12-31	Annual: 2016-12-31
10-Q	2016-09-30	Quarter: 2016-09-30
10-Q	2016-06-30	Quarter: 2016-06-30
10-Q	2016-03-31	Quarter: 2016-03-31
10-K	2015-12-31	Annual: 2015-12-31
10-Q	2015-09-30	Quarter: 2015-09-30
10-Q	2015-06-30	Quarter: 2015-06-30
10-Q	2015-03-31	Quarter: 2015-03-31
10-K	2014-12-31	Annual: 2014-12-31
10-Q	2014-09-30	Quarter: 2014-09-30
10-Q	2014-06-30	Quarter: 2014-06-30
10-Q	2014-03-31	Quarter: 2014-03-31
10-K	2013-12-31	Annual: 2013-12-31

Current Reports

8-K	2019-11-06	Earnings, Exhibits
8-K	2019-10-31	Enter Agreement, Leave Agreement, Off-BS Arrangement, Exhibits
8-K	2019-09-20	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2019-09-03	Officers, Exhibits
8-K	2019-07-31	Earnings, Exhibits
8-K	2019-07-10	Officers, Exhibits
8-K	2019-05-14	Regulation FD, Exhibits
8-K	2019-05-06	Earnings, Officers, Other Events, Exhibits
8-K	2019-04-25	Shareholder Vote
8-K	2019-02-06	Earnings, Officers, Other Events, Exhibits
8-K	2018-12-13	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2018-11-08	Earnings, Exhibits
8-K	2018-10-30	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2018-09-24	Regulation FD, Exhibits
8-K	2018-08-30	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2018-08-15	Regulation FD
8-K	2018-07-31	Earnings, Exhibits
8-K	2018-06-28	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2018-06-18	Regulation FD, Other Events, Exhibits
8-K	2018-05-23	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2018-03-21	Regulation FD, Exhibits
8-K	2018-02-26	Regulation FD, Exhibits
8-K	2018-02-07	Earnings, Officers, Code of Ethics, Exhibits
8-K	2018-01-26	Enter Agreement, Officers, Regulation FD, Exhibits

Regional Management Financials

RM Metrics, Comps, Filings

Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Stockholders' Equity

Income Statement ($BB Quarter)

Revenue, Gross Profit, Net Income

Cash Flow ($BB Quarter)

Operating, Investing, Financing

Comps ($MM TTM)	Market Cap	Assets	Liabilities	Revenue	Gross Profit	Net Income	EBITDA	EV
Regional Management (RM)	338	1,019	729	328	0	35	99	985
On Deck Capital (ONDK)	339	1,248	915	433	222	34	45	237
Ocwen Financial (OCN)	261	9,628	9,205	1,127	0	-178	111	6,590
Elevate Credit (ELVT)	197	741	601	776	290	19	121	661
Wins Finance Holdings (WINS)	1,587	309	35	0	0	0	0	1,545
Medallion Financial (MFIN)	154	1,482	1,196	0	0	1	44	263
Hexindai (HX)	155	173	47	0	0	0	0	117
Atlanticus (ATLC)	144	710	719	0	0	18	68	-1
Security National Financial (SNFCA)	84	1,106	929	259	256	7	21	-44
Consumer Portfolio Services (CPSS)	86	2,525	2,324	361	0	12	117	-50
Senmiao Technology (AIHS)	76	18	9	8	2	-4	-4	70
Golden Bull (DNJR)	82	12	0	0	0	0	0	79
LM Funding America (LMFA)	2	10	5	3	0	-2	-1	-1
Cooperative Bankshares (COOP)
Merrill Lynch (IPB)	0	572,908	507,598	8,067	0	1,554	5,937	71,001
Nelnet (NNI)		24,220	21,893	0	0	131	1,030	-1,054
America First Multifamily Investors (ATAX)	445	1,001	586	81	0	42	46	457
Corporate Asset Backed (GYC)
China Rapid Finance (XRF)	377	138	78	0	0	0	0	282
MS Structured Saturns Series 2002-14 (HJV)

Balance Sheet ($MM)	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30
Cash	2	2	4	3	1	3	8	4	6	4	4	4	2	5	5	11	11	8	8	8	9	11	14	17	22	29	30	50	41	42
Accounts Receivable
Inventory
PP&E	5	5	5	15	6	7	7	18	7	8	9	21	8	9	9	27	10	9	11	28	12	12	13	29	12	12	13	34	14	14
Assets	317	341	394	435	422	460	513	534	489	504	523	530	508	561	589	629	610	643	691	712	690	728	780	829	815	868	893	956	953	1,019
Accounts Payable
Long-Term Debt
Liabilities	247	224	271	304	283	314	360	373	321	332	349	352	323	370	391	424	408	450	491	505	476	506	552	590	566	610	626	677	666	729
Stockholders' Equity	58	117	124	131	139	145	153	161	167	172	174	178	184	191	198	205	202	193	200	207	214	221	228	239	249	259	267	279	288	290

Income Statement ($MM)	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30
Revenue	32	32	35	37	39	39	44	49	50	53	54	54	53	53	55	57	57	57	62	64	66	65	69	72	73	76	78	84	82	84
Cost of Revenue
Gross Profit
R&D
SG&A								21				30	35	30	27	30	31	32	32	30	33	33	36	36	36	35	38	39	40	40
Tax	3	4	4	4	4	4	4	5	3	7	1	2	3	3	4	5	3	4	4	4	2	4	3	3	3	6	2	3	2	9
Net Income	5	7	7	7	7	7	8	8	6	4	1	3	4	5	7	7	5	6	6	6	8	6	5	11	9	8	7	11	8	8

Cash Flow ($MM)	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30
Cash Operating	10	16	14		17	12	20	23																			45	42	31	36
Cash Investing	-17	-34	-58		-1	-39	-61	-42																			-59	-67	-7	-88
Cash Financing	4	17	46		-18	29	45	15																			15	46	-33	53