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Regional Management Corp. (RM)

NYSE: RM · USD

$33.5

+0.58 (+1.8%)· Recorded snapshot

Market cap	308.8M
Revenue (ttm)	647.8M
Net income (ttm)	46.8M
EPS (ttm)	$4.76
Shares out	9.2M
P/E (trailing)	7.0x
P/E (forward)	5.8x
Dividend	$1.20 (3.58%)
Volume	49,002
Beta	1.01

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0001519401
Company name	Regional Management Corp.
Country	United States
Country code	US
CUSIP number	75902K106
Earnings date	2026-10-28
Earnings time	amc
Employees	2,112
Employees change	-19
Employees growth	-0.89%
Enterprise value	$2B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1987
In index	RUSSELL2000
Industry	Credit Services
IPO date	2012-03-28
Is primary listing	Yes
Is SPAC	No
ISIN number	US75902K1060
Last 10-K release date	2026-02-20
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$308.8M
Market cap category	Small-Cap
Next earnings date	2027-02-03
Options	Yes
Price	$33.47
Price currency	USD
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	RM
U.S. state	South Carolina
Website	https://www.regionalmanagement.com

Metric

Value

Amount currency

USD

CIK code

0001519401

Company name

Regional Management Corp.

Country

United States

Country code

CUSIP number

75902K106

Earnings date

2026-10-28

Earnings time

amc

Employees

2,112

Employees change

-19

Employees growth

-0.89%

Enterprise value

$2B

Exchange

NYSE

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1987

In index

RUSSELL2000

Industry

Credit Services

IPO date

2012-03-28

Is primary listing

Yes

Is SPAC

ISIN number

US75902K1060

Last 10-K release date

2026-02-20

Last earnings date

2026-10-28

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$308.8M

Market cap category

Small-Cap

Next earnings date

2027-02-03

Options

Yes

Price

$33.47

Price currency

USD

Sector

Financials

SIC code

6141

Stock price date

2026-10-28

Symbol

U.S. state

South Carolina

Website

https://www.regionalmanagement.com

Metric	Value
Adjusted P/E ratio	7.05x
Average P/E ratio (10Y)	8.81x
Average P/E ratio (3Y)	9.97x
Average P/E ratio (5Y)	8.52x
Earnings yield	14.22%
EV/Earnings	43.08x
EV/EBIT	13.35x
EV/EBITDA	11.9x
EV/FCF	6.24x
EV/Sales	3.11x
FCF / EV yield	16.04%
FCF yield	105.64%
Forward EV/Sales	2.83x
Forward P/E	5.84x
Forward P/S	0.43x
Graham number	65.85871
Graham upside	98.43%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$23.80
Lynch upside	-28.31%
P/(FCF - SBC) ratio	0.98x
P/(OCF - SBC) ratio	0.96x
P/B ratio	0.81x
P/E ratio	7.03x
P/FCF ratio	0.95x
P/OCF ratio	0.93x
P/S ratio	0.47x
Price / tangible book value	0.89x
Price/EBITDA ratio	1.81x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

7.05x

Average P/E ratio (10Y)

8.81x

Average P/E ratio (3Y)

9.97x

Average P/E ratio (5Y)

8.52x

Earnings yield

14.22%

EV/Earnings

43.08x

EV/EBIT

13.35x

EV/EBITDA

11.9x

EV/FCF

6.24x

EV/Sales

3.11x

FCF / EV yield

16.04%

FCF yield

105.64%

Forward EV/Sales

2.83x

Forward P/E

5.84x

Forward P/S

0.43x

Graham number

65.85871

Graham upside

98.43%

Industry forward P/E

19.57x

Industry P/E

22.74x

Lynch fair value

$23.80

Lynch upside

-28.31%

P/(FCF - SBC) ratio

0.98x

P/(OCF - SBC) ratio

0.96x

P/B ratio

0.81x

P/E ratio

7.03x

P/FCF ratio

0.95x

P/OCF ratio

0.93x

P/S ratio

0.47x

Price / tangible book value

0.89x

Price/EBITDA ratio

1.81x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
EBIT margin	23.32%
EBITDA margin	26.16%
Effective tax rate	22.65%
FCF margin	49.93%
Gross margin	59.75%
Operating margin	23.32%
Pretax margin	9.34%
Profit margin	7.23%
Profit per employee	$22,168
Profitable quarters	10
Profitable years	17
Revenue per employee	$306,741
ROA	4.61%
ROA (5Y)	4.57%
ROCE	7.2%
ROE	12.63%
ROE (5Y)	15.73%
ROIC	5.67%
ROIC (5Y)	5.86%
SBC / revenue	1.52%
Tax / revenue	2.12%

Metric

Value

EBIT margin

23.32%

EBITDA margin

26.16%

Effective tax rate

22.65%

FCF margin

49.93%

Gross margin

59.75%

Operating margin

23.32%

Pretax margin

9.34%

Profit margin

7.23%

Profit per employee

$22,168

Profitable quarters

Profitable years

Revenue per employee

$306,741

ROA

4.61%

ROA (5Y)

4.57%

ROCE

7.2%

ROE

12.63%

ROE (5Y)

15.73%

ROIC

5.67%

ROIC (5Y)

5.86%

SBC / revenue

1.52%

Tax / revenue

2.12%

Metric	Value
EPS growth	37.14%
EPS growth (Q)	-17.48%
EPS growth (QoQ)	-27.97%
EPS growth 10Y	9.31%
EPS growth 3Y	18.78%
EPS growth 5Y	-5.92%
EPS growth years	2
FCF growth	17.13%
FCF growth (Q)	2.13%
FCF growth (QoQ)	-0.76%
FCF growth 3Y	13.2%
FCF growth 5Y	14.63%
Gross profit growth	7.27%
Gross profit growth (Q)	0.7%
Gross profit growth 3Y	7.95%
Gross profit growth 5Y	3.41%
Net income growth	34.83%
Net income growth (Q)	-19.6%
Net income growth (QoQ)	-28.49%
Net income growth 3Y	19.89%
Net income growth 5Y	-8.06%
Net income growth years	2
OCF growth	16.79%
OCF growth (Q)	2.67%
OCF growth (QoQ)	-0.31%
OCF growth 10Y	14.51%
OCF growth 3Y	12.68%
OCF growth 5Y	14.65%
Operating income growth	20.92%
Operating income growth (Q)	-1.04%
Operating income growth 3Y	17.67%
Operating income growth 5Y	-0.78%
Revenue growth	9.54%
Revenue growth (Q)	5.95%
Revenue growth (QoQ)	-0.53%
Revenue growth 10Y	11.6%
Revenue growth 3Y	7.82%
Revenue growth 5Y	11.52%
Revenue growth quarters	22
Revenue growth years	16

Metric

Value

EPS growth

37.14%

EPS growth (Q)

-17.48%

EPS growth (QoQ)

-27.97%

EPS growth 10Y

9.31%

EPS growth 3Y

18.78%

EPS growth 5Y

-5.92%

EPS growth years

FCF growth

17.13%

FCF growth (Q)

2.13%

FCF growth (QoQ)

-0.76%

FCF growth 3Y

13.2%

FCF growth 5Y

14.63%

Gross profit growth

7.27%

Gross profit growth (Q)

0.7%

Gross profit growth 3Y

7.95%

Gross profit growth 5Y

3.41%

Net income growth

34.83%

Net income growth (Q)

-19.6%

Net income growth (QoQ)

-28.49%

Net income growth 3Y

19.89%

Net income growth 5Y

-8.06%

Net income growth years

OCF growth

16.79%

OCF growth (Q)

2.67%

OCF growth (QoQ)

-0.31%

OCF growth 10Y

14.51%

OCF growth 3Y

12.68%

OCF growth 5Y

14.65%

Operating income growth

20.92%

Operating income growth (Q)

-1.04%

Operating income growth 3Y

17.67%

Operating income growth 5Y

-0.78%

Revenue growth

9.54%

Revenue growth (Q)

5.95%

Revenue growth (QoQ)

-0.53%

Revenue growth 10Y

11.6%

Revenue growth 3Y

7.82%

Revenue growth 5Y

11.52%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-5M
Depreciation and amortization	$18.4M
EBIT	$151.1M
EBITDA	$169.4M
EPS	$4.76
FCF per share	$35.06
Financing cash flow	$119.1M
Free cash flow	$323.5M
Free cash flow minus SBC	$313.6M
Gross profit	$387.1M
Income taxes	$13.7M
Investing cash flow	$-450.9M
Net borrowing	$166.4M
Net cash flow	$-3.4M
Net income	$46.8M
Operating cash flow minus SBC	$318.7M
Operating income	$151.1M
Revenue	$647.8M
Stock-based compensation	$9.9M

Metric

Value

Capital expenditures

$-5M

Depreciation and amortization

$18.4M

EBIT

$151.1M

EBITDA

$169.4M

EPS

$4.76

FCF per share

$35.06

Financing cash flow

$119.1M

Free cash flow

$323.5M

Free cash flow minus SBC

$313.6M

Gross profit

$387.1M

Income taxes

$13.7M

Investing cash flow

$-450.9M

Net borrowing

$166.4M

Net cash flow

$-3.4M

Net income

$46.8M

Operating cash flow minus SBC

$318.7M

Operating income

$151.1M

Revenue

$647.8M

Stock-based compensation

$9.9M

Metric	Value
Altman Z-Score	2.04
Book value per share	$40.51
Debt / EBITDA	8.65
Debt / equity	4.54
Debt / FCF	5.31
Interest coverage	1.67
Long-term assets	$137.5M
Long-term liabilities	$1.7B
Net cash (debt)	$-1.7B
Net cash / market cap	-558.7%
Net debt / EBITDA	10.1
Net debt / equity	4.52
Net debt / FCF	5.29
Piotroski F-Score	6
Property, plant and equipment	$58.1M
Shareholders' equity	$378.3M
Tangible book value	$343.7M
Tangible book value per share	$36.80
Total assets	$2.1B
Total cash	$6.8M
Total debt	$1.7B
Total liabilities	$1.8B
WACC	4.94%

Metric

Value

Altman Z-Score

2.04

Book value per share

$40.51

Debt / EBITDA

8.65

Debt / equity

4.54

Debt / FCF

5.31

Interest coverage

1.67

Long-term assets

$137.5M

Long-term liabilities

$1.7B

Net cash (debt)

$-1.7B

Net cash / market cap

-558.7%

Net debt / EBITDA

10.1

Net debt / equity

4.52

Net debt / FCF

5.29

Piotroski F-Score

Property, plant and equipment

$58.1M

Shareholders' equity

$378.3M

Tangible book value

$343.7M

Tangible book value per share

$36.80

Total assets

$2.1B

Total cash

$6.8M

Total debt

$1.7B

Total liabilities

$1.8B

WACC

4.94%

Metric	Value
Asset turnover	0.32
Current assets	$2B
Current liabilities	$31.1M
Current ratio	64.04
Net working capital	$2B
Quick ratio	60.44
Working capital	$2B
Working capital turnover	0.36

Metric

Value

Asset turnover

0.32

Current assets

$2B

Current liabilities

$31.1M

Current ratio

64.04

Net working capital

$2B

Quick ratio

60.44

Working capital

$2B

Working capital turnover

0.36

Metric	Value
Buyback yield / dilution	1.88%
Dividend growth	0%
Dividend growth (3Y)	0%
Dividend growth (5Y)	5.92%
Dividend growth years	0
Dividend payment date	2026-09-16
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	$1.20
Dividend yield	3.58%
Ex-dividend date	2026-08-19
FCF payout ratio	3.42%
Last dividend	$0.30
Payout ratio	25.22%
Shareholder yield	5.45%

Metric

Value

Buyback yield / dilution

1.88%

Dividend growth

Dividend growth (3Y)

Dividend growth (5Y)

5.92%

Dividend growth years

Dividend payment date

2026-09-16

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$1.20

Dividend yield

3.58%

Ex-dividend date

2026-08-19

FCF payout ratio

3.42%

Last dividend

$0.30

Payout ratio

25.22%

Shareholder yield

5.45%

Metric	Value
10Y price change	52.97%
10Y return CAGR	6.54%
10Y total return	88.36%
150-day SMA	$35.61
1D price change	1.76%
1M price change	8.6%
1M total return	8.6%
1W price change	-0.83%
1W total return	-0.83%
1Y price change	-15.97%
1Y return CAGR	-13.03%
1Y total return	-13.02%
20-day SMA	$33.32
200-day SMA	$35.31
3M price change	-20.1%
3M total return	-19.39%
3Y price change	40.22%
3Y return CAGR	16.41%
3Y total return	57.77%
50-day SMA	$32.71
50-day SMA vs 200-day SMA	50under200
52-week high	$44.30
52-week high date	2026-07-13
52-week low	$29.89
52-week low date	2026-10-01
5Y price change	-34.55%
5Y return CAGR	-4.69%
5Y total return	-21.35%
6M price change	-15.63%
6M total return	-14.12%
All-time high	$67.60
All-time high date	2021-11-22
All-time low	$10.33
All-time low date	2020-05-14
Average true range (ATR)	$1.14
Average volume	90.9K
Beta (1Y)	0.88
Beta (2Y)	1.03
Beta (5Y)	1.01
Change from 52-week high	-24.44%
Change from 52-week low	11.98%
Change from all-time high	-50.49%
Change from all-time low	224.13%
Change from open	1.76%
Day's gap	0%
Dollar volume	$1.6M
High price	$33.47
Low price	$32.89
Monthly RSI	49.46
Open price	$32.89
Position in 52-week range	100%
Premarket change	0%
Premarket close	$32.89
Premarket price	$32.89
Previous close	$32.89
Price vs 150-day SMA	-6%
Price vs 20-day SMA	0.46%
Price vs 200-day SMA	-5.21%
Price vs 50-day SMA	2.34%
Relative volume	0.54
RSI	52.74
Sharpe ratio	-0.15
Sharpe ratio (3Y)	0.47
Sharpe ratio (5Y)	-0.06
Sortino ratio	-0.07
Sortino ratio (3Y)	0.76
Sortino ratio (5Y)	0.05
Volume	49K
Weekly RSI	47.29
YTD price change	-13.63%
YTD total return	-11.32%

Metric

Value

10Y price change

52.97%

10Y return CAGR

6.54%

10Y total return

88.36%

150-day SMA

$35.61

1D price change

1.76%

1M price change

8.6%

1M total return

8.6%

1W price change

-0.83%

1W total return

-0.83%

1Y price change

-15.97%

1Y return CAGR

-13.03%

1Y total return

-13.02%

20-day SMA

$33.32

200-day SMA

$35.31

3M price change

-20.1%

3M total return

-19.39%

3Y price change

40.22%

3Y return CAGR

16.41%

3Y total return

57.77%

50-day SMA

$32.71

50-day SMA vs 200-day SMA

50under200

52-week high

$44.30

52-week high date

2026-07-13

52-week low

$29.89

52-week low date

2026-10-01

5Y price change

-34.55%

5Y return CAGR

-4.69%

5Y total return

-21.35%

6M price change

-15.63%

6M total return

-14.12%

All-time high

$67.60

All-time high date

2021-11-22

All-time low

$10.33

All-time low date

2020-05-14

Average true range (ATR)

$1.14

Average volume

90.9K

Beta (1Y)

0.88

Beta (2Y)

1.03

Beta (5Y)

1.01

Change from 52-week high

-24.44%

Change from 52-week low

11.98%

Change from all-time high

-50.49%

Change from all-time low

224.13%

Change from open

1.76%

Day's gap

Dollar volume

$1.6M

High price

$33.47

Low price

$32.89

Monthly RSI

49.46

Open price

$32.89

Position in 52-week range

100%

Premarket change

Premarket close

$32.89

Premarket price

$32.89

Previous close

$32.89

Price vs 150-day SMA

-6%

Price vs 20-day SMA

0.46%

Price vs 200-day SMA

-5.21%

Price vs 50-day SMA

2.34%

Relative volume

0.54

RSI

52.74

Sharpe ratio

-0.15

Sharpe ratio (3Y)

0.47

Sharpe ratio (5Y)

-0.06

Sortino ratio

-0.07

Sortino ratio (3Y)

0.76

Sortino ratio (5Y)

0.05

Volume

49K

Weekly RSI

47.29

YTD price change

-13.63%

YTD total return

-11.32%

Metric	Value
Float	6.5M
Float percentage	70.82%
Shares change (QoQ)	-0.6%
Shares change (YoY)	-1.88%
Shares held by insiders	10%
Shares held by institutions	70.65%
Shares outstanding	9.2M
Short % of float	5.27%
Short % of shares	3.73%
Short ratio	5.1 days

Metric

Value

Float

6.5M

Float percentage

70.82%

Shares change (QoQ)

-0.6%

Shares change (YoY)

-1.88%

Shares held by insiders

10%

Shares held by institutions

70.65%

Shares outstanding

9.2M

Short % of float

5.27%

Short % of shares

3.73%

Short ratio

5.1 days

Regional Management Corp. (RM)

Price

Financial snapshot

Fair-value bridge

Latest news · RM

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All RM indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on RM

Frequently asked questions