RM Stock Analysis: Regional Management | NYSE
Credit Services | NYSE, USA | Market Cap: 313m USD | 12M Return: -13.8% | US75902K1060 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.55M
EPS Trend: 84.6%
Qual. Beats: 0
Rev. Trend: 99.4%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Regional Management Corp. (RM) is a U.S.-based diversified consumer finance company that primarily serves borrowers with limited access to traditional consumer credit from banks, thrifts, and credit card issuers. The company offers small and large installment loans, along with related payment and collateral protection insurance products such as credit life, accidental and health, involuntary unemployment, and personal property insurance. It also provides reinsurance services tied to these offerings.
Loan originations are sourced through multiple channels, including physical branches, direct mail campaigns, digital partners, and consumer-facing websites, giving the company a multi-channel distribution model. Founded in 1987 and headquartered in Greer, South Carolina, RM operates within the consumer finance sub-industry, which typically targets near-prime and non-prime borrowers and is subject to state-level lending regulations governing interest rates, fees, and licensing.
- Net interest margin compresses as funding costs rise
- Subprime charge-offs increase with weakening borrower credit quality
- CFPB regulatory scrutiny tightens on installment lending industry
- Loan origination growth drives revenue across branch and digital channels
| Net Income: 46.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.15 > 0.02 and ΔFCF/TA 1.16 > 1.0 |
| NWC/Revenue: 252.8% < 20% (prev -20.57%; Δ 273.4% < -1%) |
| CFO/TA 0.15 > 3% & CFO 328.5m > Net Income 46.8m |
| Net Debt (1.76b) to EBITDA (147.3m): 11.93 < 3 |
| Current Ratio: 6.71 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.60m) vs 12m ago -2.43% < -2% |
| Gross Margin: 75.65% > 18% (prev 49.33%; Δ 26.32% > 0.5%) |
| Asset Turnover: 32.73% > 50% (prev 31.09%; Δ 1.64% > 0%) |
| Interest Coverage Ratio: 1.43 > 6 (EBIT TTM 129.0m / Interest Expense TTM 90.5m) |
| A: 0.80 (Total Current Assets 1.99b - Total Current Liabilities 296.9m) / Total Assets 2.13b |
| B: 0.20 (Retained Earnings 424.5m / Total Assets 2.13b) |
| C: 0.06 (EBIT TTM 129.0m / Avg Total Assets 2.05b) |
| D: 0.22 (Book Value of Equity 378.3m / Total Liabilities 1.75b) |
| Altman-Z'' = 6.52 = AAA |
| DSRI: 1.00 (Receivables 1.87b/1.71b, Revenue 670.5m/611.6m) |
| GMI: 0.65 (GM 49.33% / 75.65%) |
| AQI: 0.04 (AQ_t 0.04 / AQ_t-1 0.91) |
| SGI: 1.10 (Revenue 670.5m / 611.6m) |
| TATA: -0.13 (NI 46.8m - CFO 328.5m) / TA 2.13b) |
| Beneish M = -3.85 (Cap -4..+1) = AAA |
As of August 24, 2026, the stock is trading at USD 34.11 with a total of 130,255 shares traded. Over the past week, the price has changed by +2.73%, over one month by -16.29%, over three months by -5.43% and over the past year by -13.84%.
Current recommended Stop Loss: 32.00 (which is 6.2% or 1.4 ATR below the current price).
Regional Management has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold RM.
- StrongBuy: 2
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 43.8 | 28.5% |
P/E Trailing = 7.0939
P/E Forward = 6.5189
P/S = 0.4779
P/B = 0.8286
P/EG = 0.9033
Revenue TTM = 670.5m USD
EBIT TTM = 129.0m USD
EBITDA TTM = 147.3m USD
Long Term Debt = 1.33b USD (from longTermDebt, last quarter)
Short Term Debt = 338.8m USD (from shortLongTermDebt, last quarter)
Debt = 1.76b USD (from shortLongTermDebtTotal, last quarter) + Leases 47.2m
Net Debt = 1.76b USD (calculated: Debt 1.76b - CCE 6.80m)
Enterprise Value = 2.07b USD (313.5m + Debt 1.76b - CCE 6.80m)
Interest Coverage Ratio = 1.43 (Ebit TTM 129.0m / Interest Expense TTM 90.5m)
EV/FCF = 6.53x (Enterprise Value 2.07b / FCF TTM 317.4m)
FCF Yield = 15.32% (FCF TTM 317.4m / Enterprise Value 2.07b)
FCF Margin = 47.35% (FCF TTM 317.4m / Revenue TTM 670.5m)
Net Margin = 6.98% (Net Income TTM 46.8m / Revenue TTM 670.5m)
Gross Margin = 75.65% ((Revenue TTM 670.5m - Cost of Revenue TTM 163.3m) / Revenue TTM)
Gross Margin QoQ = none% (prev 94.30%)
Tobins Q-Ratio = 0.97 (Enterprise Value 2.07b / Total Assets 2.13b)
Interest Expense / Debt = 5.13% (Interest Expense 90.5m / Debt 1.76b)
Taxrate = 22.65% (13.7m / 60.5m)
NOPAT = 99.8m (EBIT 129.0m * (1 - 22.65%))
Current Ratio = 6.71 (Total Current Assets 1.99b / Total Current Liabilities 296.9m)
Debt / Equity = 4.66 (Debt 1.76b / totalStockholderEquity, last quarter 378.3m)
Debt / EBITDA = 11.93 (Net Debt 1.76b / EBITDA 147.3m)
Debt / FCF = 5.54 (Net Debt 1.76b / FCF TTM 317.4m)
Total Stockholder Equity = 374.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.29% (Net Income 46.8m / Total Assets 2.13b)
RoE = 12.49% (Net Income TTM 46.8m / Total Stockholder Equity 374.8m)
RoCE = 7.56% (EBIT 129.0m / Capital Employed (Equity 374.8m + L.T.Debt 1.33b))
RoIC = 4.29% (NOPAT 99.8m / Invested Capital 2.33b)
WACC = 4.43% (E(313.5m)/V(2.08b) * Re(7.06%) + D(1.76b)/V(2.08b) * Rd(5.13%) * (1-Tc(0.23)))
Discount Rate = 7.06% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -34.67 | Cagr: -0.65%
[DCF] Terminal Value 77.97% ; FCFF base≈298.6m ; Y1≈342.3m ; Y5≈503.8m
[DCF] Fair Price = 631.3 (EV 7.58b - Net Debt 1.76b = Equity 5.82b / Shares 9.23m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 84.56 | EPS CAGR: 37.95% | SUE: 0.20 | # QB: 0
Revenue Correlation: 99.43 | Revenue CAGR: 8.23% | SUE: -1.97 | # QB: -1
EPS current Quarter (2026-09-30): EPS=1.46 | Chg30d=-23.46% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=4.95 | Chg30d=-11.55% | Revisions=-40% | GrowthEPS=+11.3% | GrowthRev=+7.0%
EPS next Year (2027-12-31): EPS=5.83 | Chg30d=-20.89% | Revisions=-50% | GrowthEPS=+17.6% | GrowthRev=+6.6%
[Analyst] Revisions Ratio: -70% (up=0, down=7)