Regional Management (RM) Competitors

EZCORP (NASDAQ:EZPW) and Regional Management (NYSE:RM) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, earnings, institutional ownership, media sentiment, profitability, valuation and analyst recommendations.

Which has more volatility & risk, EZPW or RM?

EZCORP has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500. Comparatively, Regional Management has a beta of 1.25, indicating that its share price is 25% more volatile than the S&P 500.

Is EZPW or RM more profitable?

EZCORP has a net margin of 7.96% compared to Regional Management's net margin of 5.68%. EZCORP's return on equity of 11.85% beat Regional Management's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
EZCORP	7.96%	11.85%	6.13%
Regional Management	5.68%	10.91%	2.05%

Do analysts prefer EZPW or RM?

EZCORP currently has a consensus price target of $18.50, suggesting a potential upside of 15.12%. Regional Management has a consensus price target of $34.00, suggesting a potential downside of 9.43%. Given EZCORP's stronger consensus rating and higher possible upside, analysts clearly believe EZCORP is more favorable than Regional Management.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
EZCORP	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	2.80
Regional Management	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Which has higher valuation and earnings, EZPW or RM?

EZCORP has higher revenue and earnings than Regional Management. Regional Management is trading at a lower price-to-earnings ratio than EZCORP, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
EZCORP	$1.16B	0.84	$83.10M	$1.28	12.55
Regional Management	$588.50M	0.63	$41.23M	$3.47	10.82

Do institutionals and insiders have more ownership in EZPW or RM?

99.8% of EZCORP shares are owned by institutional investors. Comparatively, 98.9% of Regional Management shares are owned by institutional investors. 2.1% of EZCORP shares are owned by company insiders. Comparatively, 10.8% of Regional Management shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Does the media refer more to EZPW or RM?

In the previous week, EZCORP and EZCORP both had 5 articles in the media. EZCORP's average media sentiment score of 1.54 beat Regional Management's score of 0.77 indicating that EZCORP is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
EZCORP	3 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Regional Management	4 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

EZCORP beats Regional Management on 13 of the 16 factors compared between the two stocks.