(RM) Regional Management - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US75902K1060
Stock: Installment Loans, Insurance Products, Reinsurance Services
Total Rating 23
Risk 58
Buy Signal -1.41
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.56% |
| Yield on Cost 5y | 5.62% |
| Yield CAGR 5y | 6.01% |
| Payout Consistency | 97.9% |
| Payout Ratio | 38.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 45.4% |
| Relative Tail Risk | -4.71% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.17 |
| Alpha | -17.89 |
| Character TTM | |
|---|---|
| Beta | 1.167 |
| Beta Downside | 1.246 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.09% |
| CAGR/Max DD | 0.18 |
Description: RM Regional Management December 30, 2025
Regional Management Corp. (NYSE:RM) is a diversified U.S. consumer-finance firm that originates installment loans for borrowers who are underserved by traditional banks and credit-card issuers. Its product suite includes small-ticket and larger-ticket loans plus optional payment-and-collateral protection insurance (credit-life, accident-and-health, involuntary-unemployment, and personal-property coverage) and reinsurance services. Origination channels span physical branches, direct-mail campaigns, digital partners, and the company’s own consumer website.
Key operational metrics that analysts watch include a loan portfolio of roughly $4 billion (Q3 2024), a net interest margin of about 6.2 % and a delinquency rate hovering near 5 %-both sensitive to the Fed’s policy stance and the broader labor market. Recent earnings releases show double-digit growth in digital-originated loans (≈ 12 % YoY), reflecting a sector-wide shift toward fintech channels, while the consumer-credit environment is being pressured by higher interest rates and a modest rise in unemployment claims.
For a deeper dive into RM’s valuation dynamics and peer comparison, you might find ValueRay’s analyst toolkit useful as a next step.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 41.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.14 > 0.02 and ΔFCF/TA -0.67 > 1.0 |
| NWC/Revenue: -59.68% < 20% (prev -42.48%; Δ -17.19% < -1%) |
| CFO/TA 0.14 > 3% & CFO 292.8m > Net Income 41.4m |
| Net Debt (1.61b) to EBITDA (69.7m): 23.14 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.1m) vs 12m ago 0.43% < -2% |
| Gross Margin: 49.48% > 18% (prev 0.49%; Δ 4899 % > 0.5%) |
| Asset Turnover: 32.76% > 50% (prev 31.58%; Δ 1.18% > 0%) |
| Interest Coverage Ratio: 0.66 > 6 (EBITDA TTM 69.7m / Interest Expense TTM 82.0m) |
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 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) |
| Altman-Z'' Score: -0.13 = B |
Beneish M -3.07
| DSRI: 1.03 (Receivables 1.79b/1.58b, Revenue 630.7m/575.3m) |
| GMI: 0.98 (GM 49.48% / 48.60%) |
| AQI: 1.00 (AQ_t 0.97 / AQ_t-1 0.97) |
| SGI: 1.10 (Revenue 630.7m / 575.3m) |
| TATA: -0.12 (NI 41.4m - CFO 292.8m) / TA 2.03b) |
| Beneish M-Score: -3.07 (Cap -4..+1) = AA |
What is the price of RM shares?
As of February 07, 2026, the stock is trading at USD 35.55 with a total of 86,513 shares traded.
Over the past week, the price has changed by -4.05%, over one month by -8.99%, over three months by -2.47% and over the past year by +1.82%.
Over the past week, the price has changed by -4.05%, over one month by -8.99%, over three months by -2.47% and over the past year by +1.82%.
Is RM a buy, sell or hold?
Regional Management has received a consensus analysts rating of 3.67.
Therefor, it is recommend to hold RM.
- StrongBuy: 2
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the RM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 50 | 40.6% |
| Analysts Target Price | 50 | 40.6% |
| ValueRay Target Price | 36.8 | 3.4% |
RM Fundamental Data Overview February 03, 2026
P/E Trailing = 8.7382
P/E Forward = 6.5189
P/S = 0.595
P/B = 0.9417
P/EG = 0.42
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 = 1.98b USD (363.1m + Debt 1.62b - CCE 4.08m)
Interest Coverage Ratio = 0.66 (Ebit TTM 54.4m / Interest Expense TTM 82.0m)
EV/FCF = 7.08x (Enterprise Value 1.98b / FCF TTM 279.3m)
FCF Yield = 14.13% (FCF TTM 279.3m / Enterprise Value 1.98b)
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 1.98b / 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 = 2.15% (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 = 2.71% (E(363.1m)/V(1.98b) * Re(10.21%) + D(1.62b)/V(1.98b) * Rd(1.36%) * (1-Tc(0.24)))
Discount Rate = 10.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.62%
[DCF Debug] Terminal Value 87.23% ; FCFF base≈272.8m ; Y1≈299.9m ; Y5≈383.7m
Fair Price DCF = 1000 (EV 11.33b - Net Debt 1.61b = Equity 9.71b / Shares 9.71m; r=5.90% [WACC]; 5y FCF grow 11.39% → 2.90% )
EPS Correlation: -34.31 | EPS CAGR: -59.80% | SUE: -4.0 | # QB: 0
Revenue Correlation: 98.22 | Revenue CAGR: 9.07% | SUE: 1.55 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.57 | Chg30d=-0.007 | Revisions Net=+2 | Analysts=4
EPS next Year (2026-12-31): EPS=6.27 | Chg30d=+0.149 | Revisions Net=+0 | Growth EPS=+41.5% | Growth Revenue=+9.7%
P/E Forward = 6.5189
P/S = 0.595
P/B = 0.9417
P/EG = 0.42
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 = 1.98b USD (363.1m + Debt 1.62b - CCE 4.08m)
Interest Coverage Ratio = 0.66 (Ebit TTM 54.4m / Interest Expense TTM 82.0m)
EV/FCF = 7.08x (Enterprise Value 1.98b / FCF TTM 279.3m)
FCF Yield = 14.13% (FCF TTM 279.3m / Enterprise Value 1.98b)
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 1.98b / 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 = 2.15% (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 = 2.71% (E(363.1m)/V(1.98b) * Re(10.21%) + D(1.62b)/V(1.98b) * Rd(1.36%) * (1-Tc(0.24)))
Discount Rate = 10.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.62%
[DCF Debug] Terminal Value 87.23% ; FCFF base≈272.8m ; Y1≈299.9m ; Y5≈383.7m
Fair Price DCF = 1000 (EV 11.33b - Net Debt 1.61b = Equity 9.71b / Shares 9.71m; r=5.90% [WACC]; 5y FCF grow 11.39% → 2.90% )
EPS Correlation: -34.31 | EPS CAGR: -59.80% | SUE: -4.0 | # QB: 0
Revenue Correlation: 98.22 | Revenue CAGR: 9.07% | SUE: 1.55 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.57 | Chg30d=-0.007 | Revisions Net=+2 | Analysts=4
EPS next Year (2026-12-31): EPS=6.27 | Chg30d=+0.149 | Revisions Net=+0 | Growth EPS=+41.5% | Growth Revenue=+9.7%