RM Stock Analysis: Regional Management | NYSE
Credit Services | NYSE, USA | Market Cap: 324m USD | 12M Return: -8.5% | US75902K1060 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.38M
EPS Trend: 92.3%
Qual. Beats: 0
Rev. Trend: 99.5%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 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: 47.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.14 > 0.02 and ΔFCF/TA 0.55 > 1.0 |
| NWC/Revenue: -33.36% < 20% (prev -59.68%; Δ 26.32% < -1%) |
| CFO/TA 0.15 > 3% & CFO 324.4m > Net Income 47.6m |
| Net Debt (1.83b) to EBITDA (173.3m): 10.59 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.36m) vs 12m ago -7.61% < -2% |
| Gross Margin: 86.70% > 18% (prev 49.48%; Δ 37.22% > 0.5%) |
| Asset Turnover: 32.26% > 50% (prev 31.10%; Δ 1.17% > 0%) |
| Interest Coverage Ratio: 1.66 > 6 (EBIT TTM 154.0m / Interest Expense TTM 92.7m) |
| A: -0.10 (Total Current Assets 7.63m - Total Current Liabilities 235.7m) / Total Assets 2.21b |
| B: 0.20 (Retained Earnings 436.6m / Total Assets 2.21b) |
| C: 0.07 (EBIT TTM 154.0m / Avg Total Assets 2.12b) |
| D: 0.21 (Book Value of Equity 381.4m / Total Liabilities 1.83b) |
| Altman-Z'' = 0.67 = B |
As of November 13, 2026, the stock is trading at USD 34.74 with a total of 72,509 shares traded. Over the past week, the price has changed by -7.66%, over one month by +3.36%, over three months by +8.95% and over the past year by -8.45%.
Current recommended Stop Loss: 31.80 (which is 8.5% or 1.8 ATR below the current price).
Regional Management has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy RM.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 44.3 | 27.6% |
P/E Trailing = 7.3529
P/E Forward = 6.5189
P/S = 0.4958
P/B = 0.8505
P/EG = 0.9033
Revenue TTM = 683.7m USD
EBIT TTM = 154.0m USD
EBITDA TTM = 173.3m USD
Long Term Debt = 1.29b USD (from longTermDebt, last quarter)
Short Term Debt = 457.2m USD (from shortLongTermDebt, last quarter)
Debt = 1.84b USD (from shortLongTermDebtTotal, last quarter) + Leases 48.0m
Net Debt = 1.83b USD (calculated: Debt 1.84b - CCE 7.63m)
Enterprise Value = 2.16b USD (324.3m + Debt 1.84b - CCE 7.63m)
Interest Coverage Ratio = 1.66 (Ebit TTM 154.0m / Interest Expense TTM 92.7m)
EV/FCF = 6.82x (Enterprise Value 2.16b / FCF TTM 316.5m)
FCF Yield = 14.66% (FCF TTM 316.5m / Enterprise Value 2.16b)
FCF Margin = 46.29% (FCF TTM 316.5m / Revenue TTM 683.7m)
Net Margin = 6.96% (Net Income TTM 47.6m / Revenue TTM 683.7m)
Gross Margin = 86.70% ((Revenue TTM 683.7m - Cost of Revenue TTM 90.9m) / Revenue TTM)
Gross Margin QoQ = 94.34% (prev none%)
Tobins Q-Ratio = 0.98 (Enterprise Value 2.16b / Total Assets 2.21b)
Interest Expense / Debt = 5.03% (Interest Expense 92.7m / Debt 1.84b)
Taxrate = 22.51% (13.8m / 61.4m)
NOPAT = 119.4m (EBIT 154.0m * (1 - 22.51%))
Current Ratio = 0.03 (Total Current Assets 7.63m / Total Current Liabilities 235.7m)
Debt / Equity = 4.83 (Debt 1.84b / totalStockholderEquity, last quarter 381.4m)
Debt / EBITDA = 10.59 (Net Debt 1.83b / EBITDA 173.3m)
Debt / FCF = 5.79 (Net Debt 1.83b / FCF TTM 316.5m)
Total Stockholder Equity = 377.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.24% (Net Income 47.6m / Total Assets 2.21b)
RoE = 12.61% (Net Income TTM 47.6m / Total Stockholder Equity 377.2m)
RoCE = 9.25% (EBIT 154.0m / Capital Employed (Equity 377.2m + L.T.Debt 1.29b))
RoIC = 5.42% (NOPAT 119.4m / Invested Capital 2.20b)
WACC = 4.32% (E(324.3m)/V(2.17b) * Re(6.68%) + D(1.84b)/V(2.17b) * Rd(5.03%) * (1-Tc(0.23)))
Discount Rate = 6.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -73.54 | Cagr: -2.29%
[DCF] Terminal Value 77.71% ; FCFF base≈301.6m ; Y1≈340.9m ; Y5≈483.9m
[DCF] Fair Price = 611.6 (EV 7.31b - Net Debt 1.83b = Equity 5.47b / Shares 8.95m; r=8.35% [WACC [floored]]; 5y FCF grow 13.35% → 2.50% )
EPS Correlation: 92.26 | EPS CAGR: 44.83% | SUE: 0.62 | # QB: 0
Revenue Correlation: 99.54 | Revenue CAGR: 8.47% | SUE: 2.01 | # QB: 1
EPS current Quarter (2027-03-31): EPS=1.43 | Chg30d=+5.95% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=5.09 | Chg30d=+3.35% | Revisions=+40% | GrowthEPS=+14.4% | GrowthRev=+8.3%
EPS next Year (2027-12-31): EPS=6.38 | Chg30d=+8.23% | Revisions=+40% | GrowthEPS=+25.2% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: +44% (up=5, down=1)