RM Stock Analysis: Regional Management | NYSE
Credit Services | NYSE, USA | Market Cap: 392m USD | 12M Return: 36.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.22M
EPS Trend: 72.5%
Qual. Beats: 0
Rev. Trend: 99.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality
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: 48.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.15 > 0.02 and ΔFCF/TA 0.93 > 1.0 |
| NWC/Revenue: 248.5% < 20% (prev -2.35%; Δ 250.8% < -1%) |
| CFO/TA 0.16 > 3% & CFO 326.4m > Net Income 48.8m |
| Net Debt (1.60b) to EBITDA (126.4m): 12.69 < 3 |
| Current Ratio: 6.52 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.66m) vs 12m ago -3.62% < -2% |
| Gross Margin: 63.72% > 18% (prev 49.67%; Δ 14.05% > 0.5%) |
| Asset Turnover: 33.22% > 50% (prev 31.42%; Δ 1.80% > 0%) |
| Interest Coverage Ratio: 1.24 > 6 (EBIT TTM 109.0m / Interest Expense TTM 88.0m) |
| A: 0.79 (Total Current Assets 1.94b - Total Current Liabilities 296.9m) / Total Assets 2.07b |
| B: 0.20 (Retained Earnings 419.2m / Total Assets 2.07b) |
| C: 0.05 (EBIT TTM 109.0m / Avg Total Assets 1.99b) |
| D: 0.22 (Book Value of Equity 375.8m / Total Liabilities 1.70b) |
| Altman-Z'' = 6.45 = AAA |
| DSRI: 1.01 (Receivables 1.83b/1.64b, Revenue 659.9m/597.2m) |
| GMI: 0.78 (GM 49.67% / 63.72%) |
| AQI: 0.04 (AQ_t 0.04 / AQ_t-1 0.90) |
| SGI: 1.11 (Revenue 659.9m / 597.2m) |
| TATA: -0.13 (NI 48.8m - CFO 326.4m) / TA 2.07b) |
| Beneish M = -3.73 (Cap -4..+1) = AAA |
As of July 28, 2026, the stock is trading at USD 41.89 with a total of 53,663 shares traded. Over the past week, the price has changed by +0.70%, over one month by +0.84%, over three months by +6.54% and over the past year by +36.48%.
Current recommended Stop Loss: 39.20 (which is 6.4% or 1.7 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 | 48 | 14.6% |
P/E Trailing = 8.4483
P/E Forward = 6.5189
P/S = 0.7204
P/B = 1.0204
P/EG = 0.9033
Revenue TTM = 659.9m USD
EBIT TTM = 109.0m USD
EBITDA TTM = 126.4m USD
Long Term Debt = 1.35b USD (from longTermDebt, last quarter)
Short Term Debt = 264.5m USD (from shortTermDebt, last quarter)
Debt = 1.71b USD (from shortLongTermDebtTotal, last quarter) + Leases 46.3m
Net Debt = 1.60b USD (calculated: Debt 1.71b - CCE 103.2m)
Enterprise Value = 2.00b USD (391.5m + Debt 1.71b - CCE 103.2m)
Interest Coverage Ratio = 1.24 (Ebit TTM 109.0m / Interest Expense TTM 88.0m)
EV/FCF = 6.45x (Enterprise Value 2.00b / FCF TTM 309.6m)
FCF Yield = 15.51% (FCF TTM 309.6m / Enterprise Value 2.00b)
FCF Margin = 46.91% (FCF TTM 309.6m / Revenue TTM 659.9m)
Net Margin = 7.40% (Net Income TTM 48.8m / Revenue TTM 659.9m)
Gross Margin = 63.72% ((Revenue TTM 659.9m - Cost of Revenue TTM 239.4m) / Revenue TTM)
Gross Margin QoQ = 94.30% (prev 60.86%)
Tobins Q-Ratio = 0.96 (Enterprise Value 2.00b / Total Assets 2.07b)
Interest Expense / Debt = 5.15% (Interest Expense 88.0m / Debt 1.71b)
Taxrate = 23.08% (14.6m / 63.5m)
NOPAT = 83.8m (EBIT 109.0m * (1 - 23.08%))
Current Ratio = 6.52 (Total Current Assets 1.94b / Total Current Liabilities 296.9m)
Debt / Equity = 4.54 (Debt 1.71b / totalStockholderEquity, last quarter 375.8m)
Debt / EBITDA = 12.69 (Net Debt 1.60b / EBITDA 126.4m)
Debt / FCF = 5.18 (Net Debt 1.60b / FCF TTM 309.6m)
Total Stockholder Equity = 371.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.46% (Net Income 48.8m / Total Assets 2.07b)
RoE = 13.16% (Net Income TTM 48.8m / Total Stockholder Equity 371.0m)
RoCE = 6.33% (EBIT 109.0m / Capital Employed (Equity 371.0m + L.T.Debt 1.35b))
RoIC = 4.17% (NOPAT 83.8m / Invested Capital 2.01b)
WACC = 4.89% (E(391.5m)/V(2.10b) * Re(8.91%) + D(1.71b)/V(2.10b) * Rd(5.15%) * (1-Tc(0.23)))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 32.04 | Cagr: 1.05%
[DCF] Terminal Value 77.97% ; FCFF base≈292.2m ; Y1≈335.0m ; Y5≈493.0m
[DCF] Fair Price = 631.5 (EV 7.42b - Net Debt 1.60b = Equity 5.81b / Shares 9.21m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 72.48 | EPS CAGR: 29.50% | SUE: 0.69 | # QB: 0
Revenue Correlation: 99.35 | Revenue CAGR: 7.97% | SUE: -0.45 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.81 | Chg30d=+2.54% | Revisions=-57% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.91 | Chg30d=-0.91% | Revisions=+57% | Analysts=4
EPS current Year (2026-12-31): EPS=5.60 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+25.8% | GrowthRev=+9.2%
EPS next Year (2027-12-31): EPS=7.37 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+31.5% | GrowthRev=+9.2%
[Analyst] Revisions Ratio: +24% (up=9, down=5)