(RM) Regional Management - Ratings and Ratios
Installment Loans, Insurance, Reinsurance
Dividends
| Dividend Yield | 3.27% |
| Yield on Cost 5y | 4.97% |
| Yield CAGR 5y | 8.10% |
| Payout Consistency | 98.0% |
| Payout Ratio | 29.1% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 42.4% |
| Value at Risk 5%th | 66.1% |
| Relative Tail Risk | -5.26% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.51 |
| Alpha | -3.56 |
| CAGR/Max DD | 0.29 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.449 |
| Beta | 1.114 |
| Beta Downside | 1.266 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.48% |
| Mean DD | 18.14% |
| Median DD | 17.31% |
Description: RM Regional Management October 27, 2025
Regional Management Corp. (NYSE:RM) is a diversified consumer-finance firm that originates installment loans for U.S. borrowers who are underserved by traditional banks, credit unions, and credit-card issuers. The company’s product suite includes both small-ticket and large-ticket loans, as well as optional payment-and-collateral protection insurance such as credit-life, accident-and-health, involuntary-unemployment, and personal-property coverage, with some of these risks transferred through reinsurance.
Loan origination channels are split among a network of physical branches, direct-mail campaigns, digital-partner referrals, and the company’s consumer website, reflecting a hybrid distribution model that blends legacy and fintech touchpoints. RM was incorporated in 1987 and is headquartered in Greer, South Carolina.
**Key operating metrics (Q3 2024):**
• Total loan portfolio ≈ $4.2 billion, up 5 % YoY, driven primarily by growth in the sub-prime segment.
• Net interest margin (NIM) ≈ 6.8 %, slightly above the industry average of 6.3 % due to a higher weighted-average loan rate.
• Delinquency rate on loans ≈ 3.2 %, a modest increase from 2.9 % in Q3 2023, reflecting tighter credit conditions.
**Sector drivers:** The consumer-finance space is highly sensitive to Federal Reserve policy; the recent 0.25 % rate hike in September 2024 is expected to compress NIMs for many lenders but may benefit RM if it can maintain its higher-rate pricing on sub-prime borrowers. Additionally, the ongoing “credit-access gap”-estimated at roughly 15 % of U.S. households-continues to fuel demand for alternative installment-loan products, providing a tailwind for RM’s target market.
For a deeper, data-driven look at RM’s valuation metrics, you may find ValueRay’s analyst toolkit useful.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (41.4m TTM) > 0 and > 6% of Revenue (6% = 37.8m TTM) |
| FCFTA 0.14 (>2.0%) and ΔFCFTA -0.67pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -59.68% (prev -42.48%; Δ -17.19pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.14 (>3.0%) and CFO 292.8m > Net Income 41.4m (YES >=105%, WARN >=100%) |
| Net Debt (1.61b) to EBITDA (69.7m) ratio: 23.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.01 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (10.1m) change vs 12m ago 0.43% (target <= -2.0% for YES) |
| Gross Margin 49.48% (prev 48.60%; Δ 0.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 32.76% (prev 31.58%; Δ 1.18pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.66 (EBITDA TTM 69.7m / Interest Expense TTM 82.0m) >= 6 (WARN >= 3) |
Altman Z'' -0.13
| (A) -0.19 = (Total Current Assets 4.08m - Total Current Liabilities 380.5m) / Total Assets 2.03b |
| (B) 0.20 = Retained Earnings (Balance) 400.8m / Total Assets 2.03b |
| (C) 0.03 = EBIT TTM 54.4m / Avg Total Assets 1.93b |
| (D) 0.24 = Book Value of Equity 402.4m / Total Liabilities 1.66b |
| Total Rating: -0.13 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.48
| 1. Piotroski 4.0pt |
| 2. FCF Yield 14.17% |
| 3. FCF Margin 44.28% |
| 4. Debt/Equity 4.35 |
| 5. Debt/Ebitda 23.14 |
| 6. ROIC - WACC (= -0.47)% |
| 7. RoE 11.43% |
| 8. Rev. Trend 98.22% |
| 9. EPS Trend -19.09% |
What is the price of RM shares?
Over the past week, the price has changed by -3.55%, over one month by -9.49%, over three months by -14.15% and over the past year by +16.49%.
Is RM a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the RM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 46.3 | 26.3% |
| Analysts Target Price | 46.3 | 26.3% |
| ValueRay Target Price | 37.8 | 3.1% |
RM Fundamental Data Overview November 25, 2025
P/E Trailing = 8.8402
P/E Forward = 6.5189
P/S = 0.5864
P/B = 0.9535
P/EG = 0.42
Beta = 1.082
Revenue TTM = 630.7m USD
EBIT TTM = 54.4m USD
EBITDA TTM = 69.7m USD
Long Term Debt = 1.19b USD (from longTermDebt, last quarter)
Short Term Debt = 380.5m USD (from shortTermDebt, last quarter)
Debt = 1.62b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.61b USD (from netDebt column, last quarter)
Enterprise Value = 1.97b USD (357.8m + Debt 1.62b - CCE 4.08m)
Interest Coverage Ratio = 0.66 (Ebit TTM 54.4m / Interest Expense TTM 82.0m)
FCF Yield = 14.17% (FCF TTM 279.3m / Enterprise Value 1.97b)
FCF Margin = 44.28% (FCF TTM 279.3m / Revenue TTM 630.7m)
Net Margin = 6.57% (Net Income TTM 41.4m / Revenue TTM 630.7m)
Gross Margin = 49.48% ((Revenue TTM 630.7m - Cost of Revenue TTM 318.7m) / Revenue TTM)
Gross Margin QoQ = 50.18% (prev 48.54%)
Tobins Q-Ratio = 0.97 (Enterprise Value 1.97b / Total Assets 2.03b)
Interest Expense / Debt = 1.36% (Interest Expense 22.0m / Debt 1.62b)
Taxrate = 24.34% (4.62m / 19.0m)
NOPAT = 41.1m (EBIT 54.4m * (1 - 24.34%))
Current Ratio = 0.01 (Total Current Assets 4.08m / Total Current Liabilities 380.5m)
Debt / Equity = 4.35 (Debt 1.62b / totalStockholderEquity, last quarter 371.9m)
Debt / EBITDA = 23.14 (Net Debt 1.61b / EBITDA 69.7m)
Debt / FCF = 5.78 (Net Debt 1.61b / FCF TTM 279.3m)
Total Stockholder Equity = 362.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.04% (Net Income 41.4m / Total Assets 2.03b)
RoE = 11.43% (Net Income TTM 41.4m / Total Stockholder Equity 362.5m)
RoCE = 3.49% (EBIT 54.4m / Capital Employed (Equity 362.5m + L.T.Debt 1.19b))
RoIC = 2.20% (NOPAT 41.1m / Invested Capital 1.87b)
WACC = 2.67% (E(357.8m)/V(1.98b) * Re(10.12%) + D(1.62b)/V(1.98b) * Rd(1.36%) * (1-Tc(0.24)))
Discount Rate = 10.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.62%
[DCF Debug] Terminal Value 72.71% ; FCFE base≈272.8m ; Y1≈299.9m ; Y5≈384.6m
Fair Price DCF = 486.6 (DCF Value 4.73b / Shares Outstanding 9.71m; 5y FCF grow 11.39% → 3.0% )
EPS Correlation: -19.09 | EPS CAGR: -9.21% | SUE: -0.18 | # QB: 0
Revenue Correlation: 98.22 | Revenue CAGR: 9.07% | SUE: 1.55 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.58 | Chg30d=+0.118 | Revisions Net=+2 | Analysts=5
EPS next Year (2026-12-31): EPS=6.12 | Chg30d=-0.156 | Revisions Net=+0 | Growth EPS=+38.5% | Growth Revenue=+9.4%
Additional Sources for RM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle