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Regional Management Corp. (NYSE:RM) Seasonal Chart

Seasonal Chart Analysis

Analysis of the Regional Management Corp. (NYSE:RM) seasonal charts above shows that a Buy Date of April 30 and a Sell Date of August 7 has resulted in a geometric average return of 12.27% above the benchmark rate of the S&P 500 Total Return Index over the past 6 years. This seasonal timeframe has shown positive results compared to the benchmark in 5 of those periods. This is a very good rate of success and the return strongly outperforms the relative buy-and-hold performance of the stock over the past 6 years by an average of 17.04% per year.

The seasonal timeframe correlates Poorly with the period of seasonal strength for the Financial sector, which runs from November 22 to April 13. The seasonal chart for the broad sector is available via the following link: Financial Sector Seasonal Chart.

A word of caution: Only 6 years of data is available for shares of RM, perhaps insufficient to create a seasonal profile that accurately gauges the seasonal tendencies influencing the investment. Ideally, while 20 years is preferred, at least 10 years of data is required to perform a seasonal analysis that is considered to be reliable for future seasonal periods.

Regional Management Corp offers an array of secured loan products to customers with limited access to other sources of credit. The company offers small loans and large installment loans ranging from $500 to $20,000; automobile loans; retail loans secured by the item purchased; and credit insurance products. Small loans, which are for less than $2,500 and fewer than 36 months, account for roughly half of Regional?s total loans outstanding and have the highest yields of all its products. The company?s principal source of revenue is interest and fee income on outstanding loans. Regional has more than 300 branches in the United States.

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