Discounted Cash Flow
Regional Management Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $240.5m | $24.0m | $93.5m | 10.0% | $2.03 |
| 2017 | $272.5m (13.3%) | $30.0m (24.7%) | $110.7m (18.4%) | 11.0% (10.1%) | $2.59 (27.6%) |
| 2018 | $306.7m (12.6%) | $35.3m (18.0%) | $140.9m (27.3%) | 11.5% (4.8%) | $3.03 (17.0%) |
| 2019 | $355.7m (16.0%) | $44.7m (26.6%) | $159.3m (13.0%) | 12.6% (9.1%) | $3.92 (29.4%) |
| 2020 | $373.9m (5.1%) | $26.7m (-40.2%) | $168.2m (5.6%) | 7.1% (-43.2%) | $2.45 (-37.5%) |
| 2021 | $428.4m (14.6%) | $88.7m (231.8%) | $185.4m (10.2%) | 20.7% (189.6%) | $8.84 (260.8%) |
| 2022 | $507.2m (18.4%) | $51.2m (-42.2%) | $218.5m (17.8%) | 10.1% (-51.2%) | $5.51 (-37.7%) |
| 2023 | $551.4m (8.7%) | $16.0m (-68.8%) | $16.0m (-92.7%) | 2.9% (-71.3%) | $1.70 (-69.1%) |
| 2024 | $588.5m (6.7%) | $41.2m (158.3%) | $263.9m (1553.5%) | 7.0% (142.1%) | $4.28 (151.8%) |
| 2025 | $645.6m (9.7%) | $44.4m (7.7%) | $304.3m (15.3%) | 6.9% (-1.8%) | $4.71 (10.0%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.