Regional Management Corp. RM

30.82 0.42 1.38% as of 25 Sep
Market cap
$280.5M
P/E
6.1×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.35
Total sells 15.31
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — 1 — — — — 1 —
Sell — 4 2 3 2 — 7 2 — 2 1 2
Insider Ownership 7.88%

Capital & Financial Ratios

Market Cap 280.46
Revenue 670.49
Net Income 46.82
Free Cash Flow 310.95
Net Debt 1,551.75
Current Ratio 64.04
Debt/Equity 4.42
P/E ratio 6.07
P/S ratio 0.41
P/B ratio 0.73
Past 5Y EPS Growth 1.73%
This Y EPS Growth 11.09%
Next Y EPS Growth 26.57%
Next 5Y EPS Growth 9.98%
in millions of $

Dividends

Payout Ratio 0.42
Annual Dividend Rate 1.20
Annual Dividend Yield 5.21%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.36
0.30
0.30
0.30
2025 1.43
0.30
0.30
0.30
0.30
2024 1.20
0.30
0.30
0.30
0.30
2023 1.20
0.30
0.30
0.30
0.30
2022 1.20
0.30
0.30
0.30
0.30
2021 0.95
0.20
0.25
0.25
0.25
2020 0.20
0.20
2019 Powerpack
2018 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 129 136 98 119
Receivables 1,536 1,645 1,866 1,874
Inventory — — — —
Other — — — —
1,665 1,781 1,964 1,992
2023 2024 2025 Q'26
Payables 40 39 39 31
ST’ Debt — — — —
Other — — — —
40 39 39 31
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 11.50% 11.54% 8.38%
Cash Flow 14.00% 13.38% 11.27%
Earnings 6.63% 10.69% (4.65%)
Book Value 6.16% 6.51% 6.53%

Revenue

Mar Jun Sep Dec Year
’26 167 168 — — —
’25 153 157 165 170 646
’24 144 143 146 155 589
’23 135 133 141 142 551
’22 121 123 131 132 507
’21 98 100 111 119 428
’20 96 90 91 97 374
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 81 81 — — —
’25 64 79 87 80 309
’24 58 71 75 64 269
’23 53 62 68 67 249
’22 46 64 55 60 224
’21 35 50 47 57 189
’20 45 40 41 40 165
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 77 76 — — —
’25 59 75 83 76 292
’24 55 67 70 60 252
’23 49 59 65 64 237
’22 44 61 52 55 213
’21 34 49 46 54 182
’20 43 38 40 39 160
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.18 0.85 — — —
’25 0.70 1.03 1.42 1.30 4.45
’24 1.56 0.86 0.76 0.98 4.14
’23 0.90 0.63 0.91 (0.80) 1.66
’22 2.67 1.24 1.06 0.25 5.30
’21 2.31 1.87 2.11 2.04 8.33
’20 (0.56) 0.68 1.01 1.28 2.40
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
11.77 18.31 22.90 22.98 10.33 26.61 26.52 20.76 20.50 25.41

Analyst estimates 2026–2028

Powerpack
Low Price
27.04 27.56 37.21 34.93 30.78 67.60 58.58 38.34 35.24 46.00
High Price
1,363 1,448 1,535 1,638 1,542 1,691 1,991 2,081 2,131 2,112
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
241 272 307 356 374 428 507 551 589 646
Revenue
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Gross Margin
39 40 46 59 36 112 65 21 54 58
EBT
16.19% 14.78% 14.97% 16.58% 9.61% 26.26% 12.88% 3.77% 9.19% 8.95%
EBT Margin
24 30 35 45 27 89 51 16 41 44
Net Income
6 7 9 (4) (2) (4) (3) 0 (2) 1
Depreciation
20.34 23.59 26.32 31.20 34.21 42.69 54.56 58.67 61.05 68.48
Revenue/Sh
2.03 2.59 3.03 3.92 2.45 8.84 5.51 1.70 4.28 4.71
Earnings/Sh
8.48 9.99 12.55 13.88 15.09 18.84 24.13 26.51 27.90 32.78
Cash Flow/Sh
(0.93) (0.91) (0.58) (0.64) (0.49) (0.68) (1.23) (1.28) (1.80) (1.81)
Capex/Sh
7.55 9.08 11.97 13.23 14.60 18.15 22.90 25.23 26.09 30.97
Free CF/Sh
17.55 20.73 23.95 26.56 24.90 28.18 33.20 34.29 37.04 39.57
Book Value/Sh
12 12 12 11 11 10 9 9 10 9
Shares
13.05 10.17 7.94 7.60 12.24 6.51 5.31 15.50 7.94 8.19
PE Ratio
1.32 1.12 0.91 0.96 0.87 1.35 0.53 0.45 0.56 0.57
PS Ratio
1.53 1.27 1.00 1.13 1.20 2.04 0.87 0.77 0.92 0.98
PB Ratio
3.30 3.11 2.87 3.05 2.72 3.56 2.92 2.75 2.83 2.96
EV/Sales
8.89 8.09 6.32 7.19 6.37 8.37 6.97 6.39 6.62 6.54
EV/FCF
100 115 146 158 165 189 224 249 269 309
Op' Cash Flow
(11) (11) (7) (7) (5) (7) (11) (12) (17) (17)
Capex
89 105 139 151 160 182 213 237 252 292
FCF
674 772 899 1,070 983 1,319 1,568 1,624 1,741 1,925
Working Cap'
490 567 651 799 762 1,097 1,346 1,395 1,472 1,642
Total Debt
477 545 601 742 690 948 1,214 1,267 1,336 1,544
Net Debt
207 239 279 303 272 283 309 322 357 373
Sh' Equity
3.59% 3.89% 3.96% 4.23% 2.36% 6.92% 3.22% 0.91% 2.23% 2.21%
ROA
5.38% 5.12% 5.63% 5.93% 4.79% 7.31% 4.09% 3.47% 4.75% 4.65%
ROIC
11.65% 13.41% 13.63% 15.37% 9.30% 31.97% 17.32% 5.06% 12.14% 12.16%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Regional Management Corp. (RM) key facts

  • Regional Management Corp. (RM) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
  • Regional Management Corp.’s revenue for fiscal 2025 (year ended December 2025) was $645.6 million, up 9.70% from fiscal 2024.
  • Net income was $44.4 million, or $4.71 per share (basic), a net margin of 6.88%.
  • As of September 25, 2026, RM traded at $30.82, a market capitalization of $280.5 million.
  • At that price the stock trades at 6.1× trailing-twelve-month earnings and 0.4× sales.
  • Regional Management Corp. pays an annual dividend of $1.20 per share, a yield of 5.21%, with a payout ratio of 41.5%.
  • Return on equity was 12.2% and debt-to-equity 4.42.

Source: company filings (standardised) and stockrow calculations.

Regional Management Corp. (RM) Latest News

News by impact score

Fine-tune

7 Aug

3 transcript

Regional Management (RM) released its Q2 2026 earnings call transcript covering financial results and business outlook. Q2 earnings call provides financial updates that may affect short-term stock sentiment and operations.

30 Jul

4

Regional Management Corp revised its outlook and outlined strategic shifts in its Q2 2026 earnings call. Strategic shifts and revised guidance indicate major changes likely to alter company trajectory.

3 transcript

Regional Management Corp. held its Q2 2026 earnings call, covering financial results, operational updates, and forward outlook for the consumer finance business. Q2 earnings call supplies financial metrics and guidance that can shift near-term investor sentiment and valuation.

3

Regional Management Corp. (RM) held its Q2 earnings call and highlighted quarterly financial results, operational metrics, and management commentary on performance and outlook. Quarterly earnings updates typically affect near-term financial perceptions and stock sentiment without fundamentally changing long-term trajectory.

29 Jul

3

Regional Management Corp. reported its second quarter 2026 financial results. Quarterly earnings releases deliver updated financial metrics that can shift short-term market views on company performance.

2 May

3

Regional Management Corp. (RM) Q1 earnings call highlights key financial results, loan portfolio growth, net income, and forward guidance amid economic conditions. Q1 earnings highlights impact financial performance and investor sentiment but represent routine quarterly updates.

1 May

3

Regional Management (NYSE:RM) shows EPS growth alongside other positive indicators, making a strong case for investors. EPS growth boosts financial performance and market sentiment without transformative changes.

30 Apr

4

Regional Management Corp (RM) reported record revenue and strategic initiatives in its Q1 2026 earnings call highlights. Record revenue and strategic initiatives indicate major positive shifts in financial performance and growth trajectory for RM.

29 Apr

4 transcript

Regional Management Corp. (RM) released Q1 2026 earnings call transcript detailing quarterly financial results, management discussion, and forward guidance. Q1 earnings transcripts reveal key financial metrics, operational updates, and guidance that significantly influence stock price and investor outlook.

3

Regional Management Corp. announced first quarter 2026 results. Quarterly earnings announcement affects financial performance and investor sentiment.

9 Mar

4

Regional Management Corp. (RM) partners with Column N.A. to accelerate growth through enhanced lending platform capabilities and expanded market reach. Partnership provides technological infrastructure to scale operations and drive revenue growth significantly.

3 Mar

4

Regional Management Corp. (RM) and Column N.A. announced a new lending partnership to expand RM's lending capacity, drive consumer loan growth, enhance operational efficiency, and boost shareholder returns. New lending partnership represents a major strategic expansion of RM's lending operations to accelerate growth and improve returns.

4

Regional Management Corp. (RM) achieved record revenue and 33% net income growth. Record revenue and 33% net income growth demonstrate strong financial performance likely to boost investor sentiment and future market positioning.

5 Feb

4 transcript

Regional Management Corp. reported its Q4 earnings, highlighting strong financial performance with increased revenues and improved net income. The company emphasized its strategic initiatives aimed at expanding its market presence and enhancing customer engagement. Management expressed optimism about future growth prospects, citing favorable market conditions and operational efficiencies. Key metrics showed a positive trend, indicating resilience in the face of economic challenges. The call also addressed potential risks and the company's plans to mitigate them, reinforcing confidence among investors. Significant strategic initiatives and positive financial trends are likely to influence future performance and investor sentiment.

4

Regional Management Corp. (RM) reported strong financial performance in Q4 2025, highlighting significant growth in revenue and net income. The company attributed its success to effective cost management and an expanding customer base. Key metrics showed improvements in loan origination and portfolio quality, indicating a robust operational strategy. Management expressed optimism about future growth prospects and plans to enhance product offerings to meet customer needs. Strong financial performance and growth strategies indicate significant potential for future impact on the company's trajectory.

4 Feb

4 transcript

Regional Management Corp. (RM) reported its latest earnings, highlighting key financial metrics and operational updates. The company experienced growth in revenue and net income, driven by increased demand for its financial products. Management provided insights into strategic initiatives aimed at enhancing customer engagement and expanding market reach. The outlook for the upcoming quarters appears positive, with expectations for continued growth and investment in technology to improve service delivery. Significant growth in revenue and strategic initiatives indicate a likely positive shift in the company's trajectory.

4

Regional Management Corp. reported its Q4 earnings, highlighting a significant increase in revenue and net income compared to the previous year. The company attributed this growth to improved loan performance and effective cost management strategies. Additionally, RM announced plans for expansion and investment in technology to enhance customer experience. The outlook for the upcoming year remains positive, with expectations for continued growth in the lending sector. Significant growth in revenue and strategic expansion plans indicate a likely positive shift in the company's trajectory.

4

Regional Management Corp. reported its fourth quarter 2025 results, highlighting a significant increase in revenue and net income compared to the previous year. The company attributed this growth to improved loan performance and effective cost management strategies. Additionally, RM announced plans for expansion into new markets and the introduction of innovative financial products aimed at enhancing customer engagement. The outlook for the upcoming year remains positive, with expectations for continued growth driven by strategic initiatives and market demand. The announcement of expansion plans and new product introductions indicates a significant strategic move that could alter the company's trajectory.

13 Jan

4

Regional Management Corp. (RM) has garnered significant interest from institutional investors, who collectively own 62% of the company's shares. This strong institutional backing indicates confidence in RM's business model and future prospects, potentially influencing market sentiment positively. High institutional ownership typically reflects strong investor confidence and can significantly impact market performance.

10 Nov

3

Regional Management Corp. has announced the grant of employment inducement awards to new employees, which includes stock options and restricted stock units. This initiative aims to attract talent and enhance employee retention as the company continues to grow. The awards are part of the company's strategy to align employee interests with shareholder value. The employment inducement awards may positively influence talent acquisition and retention, impacting operational effectiveness.

6 Nov

4

Regional Management Corp. (RM) reported record revenue for Q3 2025, driven by strong portfolio growth and effective operational strategies. The company highlighted its commitment to expanding its market presence and enhancing customer service, which contributed to improved financial performance. Management expressed optimism about future growth prospects and ongoing initiatives aimed at strengthening its competitive position in the industry. Record revenue and strategic initiatives indicate significant potential for future growth and market performance.

5 Nov

4 transcript

Regional Management Corp. reported its latest earnings, highlighting key financial metrics and strategic initiatives. The company experienced growth in revenue and net income, driven by an increase in loan originations and improved credit quality. Management discussed plans for expanding product offerings and enhancing customer service. The outlook remains positive, with expectations for continued growth in the upcoming quarters. Significant growth in revenue and strategic initiatives indicate a strong potential for future performance.

4

Regional Management Corp. reported its Q3 earnings, showcasing a notable increase in revenue and net income compared to the previous year. The company attributed this growth to strong demand for its financial products and effective cost management strategies. Additionally, RM highlighted improvements in loan performance and a reduction in delinquency rates, which contributed positively to its overall financial health. The outlook for the upcoming quarters remains optimistic as the company plans to expand its product offerings and enhance customer engagement. Significant growth in revenue and net income, along with improved loan performance, indicates a strong potential for future market performance.

4

Regional Management Corp. has appointed Lakhbir Lamba as President, Chief Executive Officer, and Director, effective immediately. Lamba brings over 25 years of experience in the financial services industry, having held various leadership roles at prominent companies. His appointment is expected to drive the company's strategic initiatives and enhance its growth trajectory. The leadership change is likely to significantly impact the company's strategic direction and investor sentiment.

4

Regional Management Corp. reported its third quarter 2025 financial results, highlighting a year-over-year increase in revenue and net income. The company attributed the growth to strong demand for its financial products and effective cost management strategies. Additionally, RM announced plans for future expansion and investment in technology to enhance customer experience. The results exceeded analyst expectations, leading to positive market reactions. The significant revenue growth and strategic expansion plans are likely to positively influence the company's future performance and investor sentiment.

3

Regional Management Corp. (RM) reported Q3 earnings that fell short of analysts' expectations, leading to concerns about its financial performance. The company cited increased operating expenses and a challenging economic environment as contributing factors to the disappointing results. Despite these challenges, RM remains focused on its growth strategy and plans to enhance its operational efficiency moving forward. Earnings miss indicates potential challenges in financial performance, but the company's growth strategy may mitigate long-term effects.

30 Oct

3

Credit Acceptance Corporation (CACC) reported its Q3 earnings, surpassing analysts' expectations. The company achieved a net income of $45 million, or $2.25 per share, compared to $38 million, or $1.90 per share, in the same quarter last year. Revenue increased to $150 million, driven by higher loan originations and improved collections. The company also announced a strategic initiative to enhance its digital platform, aiming to streamline operations and improve customer experience. Despite challenges in the broader economic environment, CACC's performance reflects strong demand for its services and effective management strategies. CACC's earnings beat and strategic initiatives may moderately influence market sentiment and financial performance.

29 Oct

4

Regional Management Corp. has successfully completed a $253 million asset-backed securitization, which is expected to enhance its liquidity and financial flexibility. The transaction involves the issuance of notes backed by a pool of consumer loans, allowing the company to optimize its capital structure and support future growth initiatives. This securitization marks a significant step in RM's strategy to diversify funding sources and improve its balance sheet. The securitization is a major strategic move that will significantly enhance liquidity and financial flexibility, impacting future growth prospects.

22 Oct

4

Investors in Regional Management Corp. (NYSE:RM) have seen a remarkable return of 135% over the past five years, reflecting the company's strong performance and growth in the financial services sector. The stock's appreciation highlights the effectiveness of RM's business strategies and market positioning, attracting attention from both current and potential investors. Analysts suggest that the company's focus on expanding its services and improving operational efficiency has contributed significantly to this impressive return. The substantial return on investment indicates significant strategic moves and market positioning that could influence future performance.

3 Aug

3

Regional Management Corp. (RM) has announced a dividend of $0.30 per share, reflecting its commitment to returning value to shareholders. This decision highlights the company's financial stability and ongoing efforts to reward investors amidst market conditions. The dividend announcement indicates financial health but is not expected to significantly alter the company's overall trajectory.

stockrow.com/RM · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com