Regional Management Corp. Stock Analysis RM

Regional Management Corp. engages in the provision of consumer financial services. The company is headquartered in Greer, South Carolina and currently employs 2,112 full-time employees. The company went IPO on 2012-03-28. The firm provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. The firm operates under the name Regional Finance online and in branch locations in 19 states across the United States. Its loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. The company sources loans through its multiple channel platform, which includes branches, centrally managed direct mail campaigns, digital partners, and its consumer Website. Its core products are large and small installment loans. The company also offers its customers optional payment and collateral protection insurance, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance.