Regional Management Corp. RM R2K

Financial Services · Credit Services · United States

https://www.regionalmanagement.com

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

Market & Price

Market Cap

$338.49M

Current Price

$36.76

High / Low (52W)

$44.39 / $25.47

Beta

1.03

Valuation

Stock P/E

7.46

Industry PE

12.01

Forward P/E

4.99

PEG Ratio

0.90

Book Value

$40.25

Price to Book

0.91

P/S

0.53

EV/EBITDA

11.81

Dividend Yield

3.26%

Profitability & Returns

ROCE

ROE

13.30%

ROA

4.76%

Profit Margin

7.64%

Op Margin

23.29%

EPS (Latest Qtr)

$1.18

EPS (TTM)

$4.93

Balance Sheet & Liquidity

Debt/Equity

4.42

Quick Ratio

38.63

Current Ratio

40.70

Debt

$1.66B

Total Assets

$2.10B

Current Assets

Working Capital

Ownership

Promoter Holding

9.49%

Chg in Prom Hold

FII / Inst Holding

88.90%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.99B

Total Revenue (TTM)

$638.78M

EBITDA

$168.83M

Free Cash Flow

$-112.62M

Operating Cash Flow

$326.41M

Shares Outstanding

9.21M

Gross Margin

60.50%

Payout Ratio

24.34%

Growth (CAGR)

Revenue 5Y

5.84%

Profit 5Y

-4.65%

Revenue (YoY)

9.60%

Earnings (YoY)

68.60%

PROS

Attractive dividend yield of 3.26%.

CONS

Earnings shrank at -4.6% CAGR over 5 years.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	RM Regional Management Corp. R2K	36.76	7.46	$338.49M	3.26%	-	13.30%	5.84%	-4.65%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	55.10M	56.69M	56.70M	57.33M	62.48M	64.02M	65.82M	65.34M	69.19M	72.11M	72.62M	72.42M	77.92M	83.75M	81.75M	84.27M	91.71M	97.98M	96.07M	89.85M	90.54M	97.44M	97.73M	99.68M	111.46M	119.48M	120.85M	122.87M	131.45M	135.38M	133.48M	140.88M	144.31M	143.03M	146.34M	133.20M	137.02M	143.52M	147.06M	144.37M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.77M	20.43M	21.97M	22.65M	22.92M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.16M	13.48M	18.97M	16.16M	14.84M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.15M	3.34M	4.62M	3.25M	3.43M
Net Income	6.51M	7.37M	5.18M	5.91M	6.48M	6.47M	7.63M	6.13M	5.31M	10.88M	8.64M	8.48M	7.45M	10.77M	8.11M	8.37M	12.57M	15.68M	-6.33M	7.47M	11.24M	14.35M	25.52M	20.17M	22.22M	20.78M	26.78M	11.98M	10.07M	8.69M	6.02M	8.82M	15.21M	8.45M	7.66M	7.01M	10.14M	14.36M	12.91M	11.40M
Diluted EPS	0.50	0.56	0.40	0.49	0.56	0.55	0.65	0.52	0.45	0.92	0.72	0.70	0.61	0.90	0.67	0.70	1.08	1.38	-0.56	0.68	1.01	1.28	2.31	1.87	2.11	2.04	2.67	1.24	1.06	0.90	0.63	0.91	1.56	0.86	0.76	0.70	1.03	1.42	1.30	1.18

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	86.83M	105.34M	135.70M	170.63M	204.72M	217.31M	240.52M	272.46M	306.71M	355.71M	373.91M	-	472.96M	483.94M	513.97M	560.78M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	34.22M	67.46M	74.53M	84.81M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	65.32M	20.78M	54.08M	57.78M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	14.10M	4.83M	12.85M	13.37M
Net Income	16.44M	21.04M	24.75M	28.79M	14.80M	23.36M	24.03M	29.96M	35.34M	44.73M	26.73M	-	51.22M	15.96M	41.23M	44.41M
Diluted EPS	1.70	2.19	2.07	2.23	1.14	1.79	1.99	2.54	2.93	3.80	2.40	-	5.30	1.66	4.14	4.45

Compounded Sales Growth

5 Years:	5.84%
1 Year:	9.60%

Compounded Profit Growth

5 Years:	-4.65%
1 Year:	68.60%

Stock Price Performance

1 Year:	+43.72%
6 Months:	-0.25%
3 Months:	+16.55%
1 Month:	-3.72%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	304.15M	434.52M	533.89M	530.27M	626.37M	712.22M	829.48M	956.39M	1.16B	1.10B	-	1.72B	1.79B	1.91B	2.10B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	3.02M	856.00K	4.85M	3.30M	-	-	-	-	-	-	-	-	-	3.87M	4.51M	3.95M	3.82M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	13.72M	12.93M	4.29M	10.58M
Total Liabilities	-	-	239.27M	305.31M	372.71M	351.95M	421.15M	504.75M	590.07M	677.23M	855.76M	831.73M	-	1.42B	1.47B	1.55B	1.73B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	292.38M	362.75M	341.42M	408.49M	489.53M	566.55M	651.35M	798.61M	762.25M	-	1.18B	1.15B	1.16B	1.37B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	1.38B	1.43B	1.51B	1.69B
Total Equity	14.64M	30.90M	52.13M	129.20M	161.17M	178.32M	205.23M	207.47M	239.41M	279.16M	302.78M	272.12M	-	308.63M	322.27M	357.08M	373.09M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	14.33M	14.57M	14.92M	15.17M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	41.22M	41.49M	57.72M	72.59M	-	-	100.24M	115.43M	146.28M	158.19M	164.98M	-	224.33M	249.17M	268.93M	309.07M
Investing Cash Flow	-50.60M	-79.22M	-159.01M	-142.68M	-	-	-159.56M	-179.93M	-199.24M	-268.76M	-91.68M	-	-447.29M	-278.72M	-315.37M	-471.18M
Financing Cash Flow	7.22M	41.72M	99.74M	70.91M	-	-	53.91M	73.77M	81.08M	116.86M	-57.85M	-	205.57M	26.43M	53.41M	124.47M
Capital Expenditure	-1.21M	-2.58M	-2.00M	-4.16M	-3.32M	-3.37M	-6.43M	-4.76M	-5.35M	-5.80M	-3.93M	-	-11.41M	-12.07M	-17.39M	-17.08M
Free Cash Flow	40.01M	38.91M	55.73M	68.43M	-	-	93.81M	110.67M	140.93M	152.39M	161.05M	-	212.92M	237.10M	251.53M	291.99M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-17.39M	-3.13M	6.96M	-37.64M
Share Buybacks	-	-	-	-	-	-	25.05M	-	-	25.03M	12.01M	67.44M	20.61M	-	3.54M	23.98M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	18.9%	20.0%	18.2%	16.9%	7.2%	10.8%	10.0%	11.0%	11.5%	12.6%	7.1%	-	10.8%	3.3%	8.0%	7.9%
ROE %	53.2%	40.4%	19.2%	17.9%	8.3%	11.4%	11.6%	12.5%	12.7%	14.8%	9.8%	-	16.6%	5.0%	11.5%	11.9%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

9.49%

Institutions

88.90%

Public Float

98.22%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	12.34%	1.14M	$41.78M
2	Forager Capital Management, LLC	11.07%	1.02M	$37.47M
3	Basswood Capital Management, L.L.C.	8.91%	820.68K	$30.17M
4	Dimensional Fund Advisors LP	7.52%	692.03K	$25.44M
5	Vanguard Capital Management LLC	3.74%	344.84K	$12.68M
6	LSV Asset Management	3.73%	343.23K	$12.62M
7	Tieton Capital Management, LLC	3.48%	320.22K	$11.77M
8	American Century Companies Inc	2.83%	260.87K	$9.59M
9	Renaissance Technologies, LLC	2.42%	223.23K	$8.21M
10	Geode Capital Management, LLC	2.31%	212.59K	$7.81M

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