$Regional Management (RM.US)$Mainly consumer loans. Revenue ...

The balance ratio has increased from 70.8% to 82.1% over the past 5 years, with total assets of 1.73 billion yuan, mainly loans of 1.47 billion. Of the total debt of 1.42 billion, short-term loans of 170 million yuan are comparable to asset-side cash plus accounts receivable. There is little risk of crowding out. Long-term loans are the main, with 1.22 billion yuan.

Currently, the price-earnings ratio is 4.9, and the net price-earnings ratio is 0.8. If you calculate the average net profit of 49 million, the price-earnings ratio is 5. There is a certain underestimation, so you can choose carefully (⭐️)