Regional Management Corp. (RM)’s Financial Results Comparing With PagSeguro Digital Ltd. (NYSE:PAGS)

Both Regional Management Corp. (NYSE:RM) and PagSeguro Digital Ltd. (NYSE:PAGS) are each other’s competitor in the Credit Services industry. Thus the compare of their risk, institutional ownership, analyst recommendations, profitability, dividends, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Regional Management Corp. 306.71M 0.98 35.34M 2.93 9.25
PagSeguro Digital Ltd. N/A 0.00 N/A 0.78 36.49

We can see in table 1 the earnings per share, gross revenue and valuation of Regional Management Corp. and PagSeguro Digital Ltd. The business that is more affordable between the two has a lower P/E ratio. Regional Management Corp. is thus currently the affordable of the two stocks because it has a lower P/E ratio.


Table 2 provides Regional Management Corp. and PagSeguro Digital Ltd.’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Regional Management Corp. 11.52% 13.1% 3.9%
PagSeguro Digital Ltd. 0.00% 15.7% 9.3%


PagSeguro Digital Ltd. also pays out annual dividends at $0.24 per share and at a 0.84% dividend yield. No dividend is paid out for Regional Management Corp.

Analyst Recommendations

The following table shown below contains the ratings and recommendations for Regional Management Corp. and PagSeguro Digital Ltd.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Regional Management Corp. 0 0 1 3.00
PagSeguro Digital Ltd. 0 0 1 3.00

Regional Management Corp.’s average target price is $36, while its potential upside is 42.29%. Meanwhile, PagSeguro Digital Ltd.’s average target price is $35, while its potential upside is 22.94%. Based on the analysts view we can conclude, Regional Management Corp. is looking more favorable than PagSeguro Digital Ltd.

Institutional and Insider Ownership

Roughly 94.2% of Regional Management Corp. shares are held by institutional investors while 56.2% of PagSeguro Digital Ltd. are owned by institutional investors. Insiders held roughly 0.7% of Regional Management Corp.’s shares.


Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Regional Management Corp. -0.44% -1.42% 0.15% -19.64% -10.36% 12.64%
PagSeguro Digital Ltd. 3.16% 31.62% 9.19% 6.01% -11.61% 51.58%

For the past year Regional Management Corp. was less bullish than PagSeguro Digital Ltd.


On 7 of the 13 factors PagSeguro Digital Ltd. beats Regional Management Corp.

Regional Management Corp., a diversified consumer finance company, provides various loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other traditional lenders. The company offers small and large installment loans; automobile purchase loans; loans to finance the purchase of furniture, appliances, and other retail products; optional payment products, including credit life, credit accident and health, credit property insurance, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. Its loan products are secured and structured on a fixed rate, fixed term basis with fully amortizing equal monthly installment payments, and repayable at any time without penalty. The companyÂ’s loans are sourced through multiple channel platforms, including its branches and consumer Website, direct mail campaigns, automobile dealerships, and retailers. As of February 9, 2017, it operated a network of 339 branches located in South Carolina, Texas, North Carolina, Tennessee, Alabama, Oklahoma, New Mexico, Georgia, and Virginia. Regional Management Corp. was founded in 1987 and is headquartered in Greer, South Carolina.

PagSeguro Digital Ltd. provides financial technology solutions and services for micro-merchants, and small and medium-sized businesses in Brazil and internationally. The company's products and services include PagSeguro Ecosystem, an end-to-end digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; and Free PagSeguro digital account, which centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem. It also acquires and sells point of sale (POS) devices and other products; and offers online gaming and cross-border digital services. In addition, the company offers functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, eWallet, and its POS app. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with administrators and acquirers. Additionally, the company engages in the in-person payment activities through POS devices; and issuance of prepaid cards to clients for spending or withdrawing account balances. It also provides online gaming and cross-border digital services; and operates an online platform that facilitates peer-to-peer lending. The company was founded in 2006 and is headquartered in São Paulo, Brazil. PagSeguro Digital Ltd. is a subsidiary of Universo Online S.A.

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