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Regional Management Corp. RM R2KR3KFINANCIAL

Financial Services · Credit Services · United States
https://www.regionalmanagement.com
Company Profile ↓
$33.68
-20.48% 1Y
Mkt Cap$310.72M
P/E7.09
P/B0.81
Div. Yield3.63%
52W High$44.00
52W Low$30.34
Book Value$40.51
EPS (TTM)$4.75

Company Overview

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.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 14.3% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 7.1, below the sector median of 14.5.

Healthy Margins

Operating margin of 20.8% supports profitability.

Dividend Income

Offers a dividend yield of 3.63%.

Recent Developments

  • Dec 2025 Revenue of $645.60M (+9.7% YoY); net profit $44.41M.
  • Trailing 12 Months Year-on-year growth — revenue +6.0%, earnings -17.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 14.3%, profit CAGR 6.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:14.31%
1 Year:6.00%

Compounded Profit Growth

5 Years:6.85%
1 Year:-17.50%

Stock Price Performance

1 Year:-20.48%
6 Months:+6.34%
3 Months:-5.43%
1 Month:+2.81%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 24% of range
$30.34 $44.00
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)48.10 · Neutral
Price Performance
1M+2.81%
3M-5.43%
6M+6.34%
1Y-20.48%
Valuation vs Sector

P/E of 7.09 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 14.3% over 5 years.
  • Attractive dividend yield of 3.63%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
7.09
Industry PE
14.52
Forward P/E
5.78
PEG Ratio
0.90
Book Value
$40.51
Price to Book
0.81
P/S
0.47
EV/EBITDA
11.88
Dividend Yield
3.63%

Growth (CAGR)

Revenue 5Y
14.31%
Profit 5Y
6.85%
Revenue (YoY)
6.00%
Earnings (YoY)
-17.50%

Profitability & Returns

ROCE
-
ROE
12.63%
ROA
4.61%
Profit Margin
7.23%
Op Margin
20.81%
Gross Margin
59.75%
EPS (Latest Qtr)
$0.85
EPS (TTM)
$4.75

Balance Sheet & Liquidity

Debt/Equity
4.54
Quick Ratio
60.44
Current Ratio
64.04
Debt
$1.72B
Total Assets
$2.13B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
10.10%
Chg in Prom Hold
-0.00%
FII / Inst Holding
90.20%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$310.72M
Total Revenue (TTM)
$647.84M
EBITDA
$169.45M
Free Cash Flow
$-136.66M
Operating Cash Flow
$328.51M
Shares Outstanding
9.23M
Gross Margin
59.75%
Payout Ratio
25.26%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RM Regional Management Corp. R2KR3KFINANCIAL 33.68 7.09 $310.72M 3.63% - 12.63% 14.31% 6.85%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 56.69M56.70M57.33M62.48M64.02M65.82M65.34M69.19M72.11M72.62M72.42M77.92M83.75M81.75M84.27M91.71M97.98M96.07M89.85M90.54M97.44M97.73M99.68M111.46M119.48M120.85M122.87M131.45M135.38M133.48M140.88M144.31M143.03M146.34M133.20M137.02M143.52M147.06M144.37M168.01M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------19.77M20.43M21.97M22.65M22.92M-
Pretax Income ----------------------------------9.16M13.48M18.97M16.16M14.84M-
Tax Provision ----------------------------------2.15M3.34M4.62M3.25M3.43M-
Net Income 7.37M5.18M5.91M6.48M6.47M7.63M6.13M5.31M10.88M8.64M8.48M7.45M10.77M8.11M8.37M12.57M15.68M-6.33M7.47M11.24M14.35M25.52M20.17M22.22M20.78M26.78M11.98M10.07M8.69M6.02M8.82M15.21M8.45M7.66M7.01M10.14M14.36M12.91M11.40M8.15M
Diluted EPS 0.560.400.490.560.550.650.520.450.920.720.700.610.900.670.701.081.38-0.560.681.011.282.311.872.112.042.671.241.060.900.630.911.560.860.760.701.031.421.301.180.85

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 86.83M105.34M135.70M170.63M204.72M217.31M240.52M272.46M306.71M355.71M373.91M428.35M507.19M551.40M588.50M645.60M
Net Income 16.44M21.04M24.75M28.79M14.80M23.36M24.03M29.96M35.34M44.73M26.73M88.69M51.22M15.96M41.23M44.41M
Diluted EPS 1.702.192.072.231.141.791.992.542.933.802.408.335.301.664.144.45

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --304.15M434.52M533.89M530.27M626.37M712.22M829.48M956.39M1.16B1.10B-1.72B1.79B1.91B2.10B
Current Assets -----------------
Cash & Equivalents 3.02M856.00K4.85M3.30M---------3.87M4.51M3.95M3.82M
Inventory -----------------
Receivables -------------13.72M12.93M4.29M10.58M
Total Liabilities --239.27M305.31M372.71M351.95M421.15M504.75M590.07M677.23M855.76M831.73M-1.42B1.47B1.55B1.73B
Current Liabilities -----------------
Long Term Debt ---292.38M362.75M341.42M408.49M489.53M566.55M651.35M798.61M762.25M-1.18B1.15B1.16B1.37B
Total Debt -------------1.38B1.43B1.51B1.69B
Total Equity 14.64M30.90M52.13M129.20M161.17M178.32M205.23M207.47M239.41M279.16M302.78M272.12M-308.63M322.27M357.08M373.09M
Shares Outstanding -------------14.33M14.57M14.92M15.17M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 41.22M41.49M57.72M72.59M--100.24M115.43M146.28M158.19M164.98M-224.33M249.17M268.93M309.07M
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 7.22M41.72M99.74M70.91M--53.91M73.77M81.08M116.86M-57.85M-205.57M26.43M53.41M124.47M
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 40.01M38.91M55.73M68.43M--93.81M110.67M140.93M152.39M161.05M-212.92M237.10M251.53M291.99M
Net Change in Cash -------------17.39M-3.13M6.96M-37.64M
Share Buybacks ------25.05M--25.03M12.01M67.44M20.61M-3.54M23.98M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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%20.7%10.1%2.9%7.0%6.9%
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
10.10%
Institutions
90.20%
Public Float
100.33%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 12.50% 1.15M $37.54M
2 Forager Capital Management, LLC 10.28% 948.46K $30.87M
3 Basswood Capital Management, L.L.C. 9.27% 855.42K $27.84M
4 Dimensional Fund Advisors LP 7.49% 690.61K $22.48M
5 LSV Asset Management 3.70% 341.63K $11.12M
6 Vanguard Capital Management LLC 3.64% 335.59K $10.92M
7 Tieton Capital Management, LLC 3.45% 318.26K $10.36M
8 American Century Companies Inc 3.13% 289.16K $9.41M
9 Geode Capital Management, LLC 2.44% 225.10K $7.33M
10 Renaissance Technologies, LLC 2.01% 185.54K $6.04M

Analyst View

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Latest News

Recent headlines for RM

Yahoo Finance Sat, 08 Aug 2026

Regional Management (RM) Q2 2026 Earnings Call Transcript

Auto-secured loans surged 31.8% as portfolio growth slowed amid fintech competition.

Yahoo Finance hu, 30 Jul 2026

Regional Management Corp (RM) (Q2 2026) Earnings Call Highlights: Strategic Shifts and Revised ...

Regional Management Corp (RM) reports a 7% revenue increase to $168 million, but revises full-year guidance downward due to competitive pressures and proactive underwriting tightening.

Yahoo Finance Wed, 01 Jul 2026

Regional Management Corp. to Report Second Quarter 2026 Results on Wednesday, July 29, 2026

GREENVILLE, S.C., July 01, 2026--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today that it will report its second quarter 2026 results after the market closes on Wednesday, July 29, 2026.…

Yahoo Finance Sat, 02 May 2026

Regional Management Q1 Earnings Call Highlights

Regional Management (NYSE:RM) reported what management described as a “strong start to 2026,” highlighting higher earnings, continued portfolio growth, and improved operating efficiency during its first quarter 2026 earnings call. First qua…

Yahoo Finance Fri, 01 May 2026

With EPS Growth And More, Regional Management (NYSE:RM) Makes An Interesting Case

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...

Yahoo Finance hu, 30 Apr 2026

Regional Management Corp (RM) Q1 2026 Earnings Call Highlights: Record Revenue and Strategic ...

Regional Management Corp (RM) reports a 69% increase in net income and significant loan portfolio growth, while navigating macroeconomic challenges and expanding into new markets.

RM — Frequently Asked Questions

What is the current share price of Regional Management Corp. (RM)?

As of 2026-09-07 16:24 PDT, Regional Management Corp. (RM) trades at $33.68 on NYSE. Its 52-week range is $30.34 to $44.00.

What is the market capitalisation of RM?

Regional Management Corp. (RM) has a market capitalisation of $310.72M on NYSE.

What is the P/E ratio of RM?

RM trades at a trailing price-to-earnings (P/E) ratio of 7.09. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 0.81.

Does RM pay a dividend?

Regional Management Corp. (RM) currently offers a dividend yield of 3.63%.

What is the return on equity (ROE) of RM?

RM has a return on equity (ROE) of 12.63%.

Is RM a good stock to buy?

This page provides a data-driven analysis of Regional Management Corp. (RM), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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