IPO Company Profile
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Rainbow Rentals, Inc.
3711 Starr Centre Drive, Canfield, OH 44406 * (330) 533-5363

The company operates 64 rental-purchase stores in eight states. The company offers quality brand name, durable merchandise, including home electronics, furniture, appliances and computers.

Primary Underwriting Group
ManagerTierPhone
Robinson-Humphrey Company, Inc., TheLead Manager (404) 266-6450
Dain Rauscher IncorporatedCo-manager (612) 371-2818
Suntrust Equitable SecuritiesCo-manager

Offering Information
NASNTL:RBOW Service: SIC 7359
Type of Shares:Common Shares Filing Date:3/27/98
U.S. Shares:2,250,000 Offer Date:6/4/98
Non-U.S. Shares:0 Filing Range:$10.00 - $12.00
Primary Shares:2,250,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.70
Offering Amount: $24,750,000 Selling:$0.40
Expenses:$500,000 Reallowance:$0.10
Post-IPO Shares:5,925,735
Employees:365

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Kahn Kleinman Yanowitz & Arnson
Bank's Law Firm: Nelson Mullins Riley & Scarbourough
Auditor: KPMG Peat Marwick

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Audited
Income
Balance
Sheet
12/31/97 12/31/97
Revenue:$55.33Assets:$31.24
Net Income:$2.68Curr Assets:$24.66
EPS:$0.59Liabilities:$28.19
Prior EPS:$0.32Curr Liab:$5.06
Cash Flow/Oper:$0.72Equity:$3.05
Cash Flow/Fin:-$0.27Cash:$0.08
Cash Flow/Inv:-$0.85Working Cap:$19.59

Competition
The rental-purchase industry is extremely competitive. The Company competes with other rental-purchase businesses, as well as rental stores that do not offer their customers a purchase option. Competition is based primarily on rental rates and terms, product selection and availability and customer service. With respect to customers that are able to purchase a product for cash or on credit, the Company also competes with department stores, discount stores and other retail outlets. Several competitors in the rental-purchase business are national or regional in scope. The Company has generally strived to open new stores in markets with a lower concentration of rental-purchase stores. As the Company's competitors expand geographically into the Company's existing markets, the Company's competition in those markets may increase and there will be fewer relatively underserved areas available for penetration by the Company. Many of the Company's competitors have financial and operating resources exceeding those of the Company.

Business Plan
The Company's operating strategy is to maintain a high AMRR on its agreements, a high number of rental-purchase agreements per store and a high level of customer referrals and repeat business, all accompanied by a low level of delinquencies. The Company seeks to achieve these objectives by applying the following operating techniques: (I) Store Environment, (ii) Quality Merchandise, (iii) Customer Service, (iv) Experienced Associates, (v) Decentralized Management and (vi) Management Information Systems.

Use of Proceeds
The proceeds from the proposed offering will be used to repay indebtedness and for general corporate purposes.

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