Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/46F stock hub

FRA/46F has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

276.5M

Frankfurt Stock Exchange

Market data

Price

Recent price action with selectable time range.

FRA/46FFRA/46F

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In the news

Latest news · FRA/46F

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

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Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E5.3

P25 n/aP50 n/aP75 n/a

Trailing P/E6.5

P25 n/aP50 n/aP75 n/a

ROE13.3

P25 n/aP50 n/aP75 n/a

ROIC5.7

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/46F market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

213

Groups with data

Currency

USD

Showing 213 of 213 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	2,112
Employees Change	50%
Employees Change Percent	2.4
Enterprise value	EUR 1.7B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	EUR 276.5M
Price	EUR 29
Price currency	EUR
Rev Per Employee	262,316.36x
Sic	6141
Symbol	fra/46F
Website	https://www.regionalmanagement.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	15.31%
EV Earnings	39.77x
EV/EBIT	13.08x
EV/EBITDA	10.03x
EV/FCF	6.03x
EV/Sales	3.1x
FCF yield	100.95%
Forward P/E	5.26x
P/B ratio	0.85x
P/E ratio	6.53x
P/S ratio	0.5x
PE Ratio10 Y	8.78x
PE Ratio3 Y	10.19x
PE Ratio5 Y	8.46x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	23.7%
EBITDA Margin	26.43%
FCF margin	50.38%
Gross margin	60.5%
Gross Profit	EUR 335.2M
Gross Profit Growth	9.21%
Gross Profit Growth Q	8.21%
Gross Profit Growth3 Y	8.14%
Gross Profit Growth5 Y	6.15%
Net Income	EUR 42.3M
Net Income Growth	47.77%
Net Income Growth Q	62.71%
Net Income Growth3 Y	13.78%
Net Income Growth5 Y	-3.58%
Pretax Margin	9.93%
Profit Margin	7.64%
Profit Per Employee	EUR 20,042
ROA	4.76
Roa5y	4.57
ROCE	7.48
ROE	13.3
Roe5y	15.73
ROIC	5.7
Roic5y	5.86

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	21.21%
Cagr3y	11.58%
Cagr5y	-0.56%
Div CAGR3	-3.53%
EPS Growth	49.75
EPS Growth Q	68.57
EPS Growth3 Y	12.54
EPS Growth5 Y	-1.2
FCF Growth	19.72%
FCF Growth Q	28.06%
FCF Growth3 Y	12.7%
FCF Growth5 Y	16.17%
OCF Growth	19.08%
OCF Growth Q	27.24%
OCF Growth10 Y	14.68%
OCF Growth3 Y	12.18%
OCF Growth5 Y	16%
Revenue Growth	10.58x
Revenue Growth Q	9.64x
Revenue Growth3 Y	7.97x
Revenue Growth5 Y	11.79x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.32
Assets	EUR 1.8B
Cash	EUR 4.2M
Current Assets	EUR 1.6B
Current Liabilities	EUR 40.4M
Debt	EUR 1.4B
Debt EBITDA	EUR 8.4
Debt Equity	EUR 4.42
Debt FCF	EUR 5.16
Equity	EUR 326M
Interest Coverage	1.72
Liabilities	EUR 1.5B
Long Term Assets	EUR 155.5M
Long Term Liabilities	EUR 1.4B
Net Cash	EUR -1.4B
Net Cash By Market Cap	EUR -519
Net Debt EBITDA	EUR 9.81
Net Debt Equity	EUR 4.41
Net Debt FCF	EUR 5.15
Tangible Book Value	EUR 297.2M
Tangible Book Value Per Share	EUR 31.83

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	40.7
Net Working Capital	EUR 1.6B
Quick ratio	38.63
Working Capital	EUR 1.6B
Working Capital Turnover	EUR 0.32

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.33%
Dividend Growth	-7.34%
Dividend Growth Years	0%
Dividend per share	EUR 1.04
Dividend Years	7
Dividend Yield	3.58%
Ex Div Date	2026-02-19
Last Dividend	EUR 0.25
Payout Frequency	Quarterly
Payout Ratio	24.08%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	21.19%
200-day SMA	31.48
3Y total return	38.94%
50-day SMA	29.04
50-day SMA vs 200-day SMA	50under200
5Y total return	-2.76%
All Time High	55.5
All Time High Change	-47.75%
All Time High Date	2021-11-23
All Time Low	9.44
All Time Low Change	207.2%
All Time Low Date	2020-04-06
ATR	0.63
Ch YTD	-12.12
High	29
High52	38
High52 Date	2025-09-19
High52ch	-23.68%
Low	29
Low52	22.6
Low52 Date	2025-06-03
Low52ch	28.32%
Ma50ch	-0.12%
Price vs 200-day SMA	-7.89%
RSI	41.89
RSI Monthly	49.2
RSI Weekly	46.35
Sharpe ratio	0.5x
Sortino ratio	0.79
Total Return	4.91%
Tr YTD	-11.35
Tr3m	3.75%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 131.3M
Operating Income Growth	26.08
Operating Income Growth Q	30.51
Operating Income Growth3 Y	17.63
Operating Income Growth5 Y	4.01
Operating margin	23.7

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	6,618,165%
Net Borrowing	120,882,918.8
Shares Insiders	8.91%
Shares Institutions	68.34%
Shares Qo Q	-2.81%
Shares Yo Y	-1.33%
Short Ratio	5.57

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 270.2M
Average Volume	0x
Bv Per Share	34.91
CAPEX	EUR -4M
Ch1y	16.94
Ch3m	2.84
Ch3y	22.88
Ch5y	-18.54
Ch6m	-7.05
Change	0%
Change From Open	0
Close	29
Days Gap	0
Depreciation Amortization	14,764,714.3
Earnings Date	2026-04-29
EBIT	EUR 131.3M
EBITDA	EUR 146.4M
EPS	EUR 4.28
F Score	6
FCF	EUR 279.1M
FCF EV Yield	16.58x
Financing CF	83,324,980
Fiscal Year End	December
Founded	1,987
Graham Number	58.44518
Graham Upside	101.5
Income Tax	EUR 12.7M
Investing CF	-386,585,966
Is Primary Listing	0
Last Earnings Date	2026-04-29
Last Report Date	2026-03-31
Lynch Fair Value	EUR 22.2
Lynch Upside	-23.45
Ma150	30.95
Ma150ch	-6.29%
Ma20	31.41
Ma20ch	-7.67%
Net CF	-20,162,123
Next Earnings Date	2026-07-29
Open	29
P FCF Ratio	0.99
P OCF Ratio	0.98
Payment Date	2026-03-12
Ppne	48,464,420.1
Price Date	2026-05-08
Price EBITDA	EUR 1.89
Ptbv Ratio	0.93
Relative Volume	51.28x
Revenue	554,012,159x
SBC By Revenue	1.61x
Share Based Comp	8,902,835
Tax By Revenue	2.29x
Tax Rate	23.08%
Tr6m	-5.44%
Z Score	2.05

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/46F dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.6%

$1.04 annual per share

Payout ratio

+24.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

0 consecutive years of growth

Total shareholder yield

+4.9%

Next ex-dividend date: 2026-02-19

Performance

FRA/46F stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/46F?

Insider, institutional, and short-interest positioning.

Institutional ownership

+68.3%

Share of float held by funds and institutions

Insider ownership

+8.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/46F momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

41.9

Neutral momentum band

Price vs 200-day MA

-7.9%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.50

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/46F

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/46F stock rating?

fra/46F is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/46F analysis?

The full report lives at /stocks/fra/46F/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/46F?

The latest report frames fra/46F around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/46F page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.