A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
Regional Management Corp.
RM
$416M
Mkt Cap
$41.65
+1.31%
Regional Management Corp. (RM) has a current P/E ratio of 9.4, compared to its historical median P/E of 8.2. The stock is currently considered Fair based on its historical valuation range.
Regional Management Corp. (RM) has a 5-year average return on invested capital (ROIC) of 3.3%. This is below average and may indicate limited pricing power.
Regional Management Corp. (RM) has a market capitalization of $389M. It is classified as a small-cap stock.
Yes, Regional Management Corp. (RM) pays a dividend with a trailing twelve-month yield of 3.02%. The company also returns capital through share buybacks, with a buyback yield of 6.43%.
Based on historical P/E analysis, Regional Management Corp. (RM) appears fair. The current P/E of 9.4 is 14% above its historical median of 8.2. The estimated fair value CAGR (P/E method) is -1.5%.
Regional Management Corp. (RM) operates in the Personal Credit Institutions industry, within the Financials sector.
Regional Management Corp. (RM) reported annual revenue of $646 million in its most recent fiscal year, based on SEC EDGAR filings.
We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. As of December 31, 2025, we operated under the name “Regional Finance” online and in branch locations in 19 states across the United States, serving 590,800 active accounts. Most of our loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. We source our loans through our omni-channel platform, which includes our branches, centrally-managed direct mail campaigns, digital partners, and consumer website. We operate an integrated branch model in which nearly all loans, regardless of origination channel, are serviced through our branch network with the support of centralized sales, underwriting, service, collections, and administrative teams.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 660M | 646M | 589M | 551M | 507M | 428M |
| Net Income | 49M | 44M | 41M | 16M | 51M | 89M |
| EPS | $5.05 | $4.45 | $4.14 | $1.66 | $5.30 | $8.33 |
| Free Cash Flow | 322M | 304M | 264M | 244M | 218M | 185M |
| ROIC | 0.0% | 2.3% | 2.3% | 0.9% | 3.4% | 7.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 5.67 | 5.77 | 5.43 | 6.04 | 6.16 | 5.85 |
| Dividends/Share | $1.26 | $1.20 | $1.20 | $1.20 | $1.20 | $0.95 |
| Operating Income | 0 | 58M | 54M | 21M | 65M | 112M |
| Operating Margin | 0.0% | 8.9% | 9.2% | 3.8% | 12.9% | 26.3% |
| ROE | 13.0% | 12.2% | 12.1% | 5.1% | 17.3% | 32.0% |
| Shares Outstanding | 9M | 10M | 10M | 10M | 10M | 11M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 205M | 217M | 241M | 272M | 307M | 356M | 374M | 428M | 507M | 551M | 589M | 646M | 660M |
| Gross Margin | 68.2% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 97M | 116M | 119M | 131M | 140M | 157M | 176M | 196M | 223M | 243M | 248M | 258M | 256M |
| EBIT | 24M | 38M | 39M | 40M | 46M | 59M | 36M | 112M | 65M | 21M | 54M | 58M | 0 |
| Op. Margin | 11.7% | 17.6% | 16.2% | 14.8% | 15.0% | 16.6% | 9.6% | 26.3% | 12.9% | 3.8% | 9.2% | 8.9% | 0.0% |
| Net Income | 15M | 23M | 24M | 30M | 35M | 45M | 27M | 89M | 51M | 16M | 41M | 44M | 49M |
| Net Margin | 7.2% | 10.8% | 10.0% | 11.0% | 11.5% | 12.6% | 7.1% | 20.7% | 10.1% | 2.9% | 7.0% | 6.9% | 7.4% |
| Non-Recurring | -21K | -343K | -3K | -245K | -24K | -94K | -180K | -161K | -143K | -867K | -407K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 2.8% | 4.1% | 3.7% | 4.0% | 4.1% | 4.4% | 2.5% | 7.3% | 3.4% | 0.9% | 2.3% | 2.3% | 0.0% |
| ROE | 8.7% | 12.2% | 11.6% | 13.4% | 13.6% | 15.4% | 9.3% | 32.0% | 17.3% | 5.1% | 12.1% | 12.2% | 13.0% |
| ROA | 2.8% | 4.0% | 3.6% | 3.9% | 4.0% | 4.2% | 2.4% | 6.9% | 3.2% | 0.9% | 2.2% | 2.2% | 2.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 86M | 83M | 100M | 115M | 146M | 158M | 165M | 189M | 224M | 249M | 269M | 309M | 326M |
| Free Cash Flow | 83M | 80M | 94M | 111M | 141M | 152M | 161M | 185M | 218M | 244M | 264M | 304M | 322M |
| Owner Earnings | 80M | 76M | 90M | 104M | 132M | 142M | 146M | 170M | 201M | 223M | 244M | 281M | 299M |
| CapEx | 3.3M | 3.4M | 6.4M | 4.8M | 5.4M | 5.8M | 3.9M | 3.6M | 5.9M | 4.7M | 5.1M | 4.8M | 4.6M |
| Maint. CapEx | 3.9M | 3.9M | 6.4M | 7.4M | 8.8M | 11M | 13M | 12M | 13M | 15M | 14M | 16M | 17M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 3.9M | 3.9M | 6.4M | 7.4M | 8.8M | 11M | 13M | 12M | 13M | 15M | 14M | 16M | 17M |
| CapEx/OCF | 3.9% | 4.0% | 6.4% | 4.1% | 3.7% | 3.7% | 2.4% | 1.9% | 2.6% | 1.9% | 1.9% | 1.5% | 1.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 2.2M | 9.5M | 11M | 12M | 12M | 11M | 12M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | 1.2% | 2.3% | 3.4% | 4.9% | 4.6% | 3.4% | 3.0% |
| Share Buybacks | 0 | 0 | 25M | 0 | 0 | 25M | 12M | 67M | 21M | 0 | 3.5M | 24M | 25M |
| Buyback Yield | N/A | N/A | 9.3% | N/A | N/A | 8.7% | 4.5% | 12.8% | 9.0% | N/A | 1.1% | 6.0% | 6.4% |
| Stock-Based Comp | 2.3M | 3.6M | 4.2M | 3.7M | 5.3M | 5.1M | 5.6M | 7.4M | 11M | 12M | 11M | 12M | 10M |
| Debt Repayment | 165K | 2.2M | 1.1M | 4.5M | 7.2M | 4.9M | 3.2M | 8.9M | 5.7M | 2.8M | 6.7M | 8.0M | 8.0M |
| Balance Sheet | |||||||||||||
| Net Debt | 679M | 390M | 609M | 789M | 1.0B | 1.1B | 1.1B | 1.5B | 1.8B | 1.8B | 1.8B | 2.1B | 2.0B |
| Cash & Equiv. | 4.0M | 18M | 13M | 22M | 50M | 56M | 72M | 149M | 132M | 129M | 136M | 98M | 103M |
| Long-Term Debt | 341M | 408M | 490M | 567M | 651M | 799M | 762M | 1.1B | 1.3B | 1.4B | 1.5B | 1.6B | 1.6B |
| Debt/Equity | 3.83 | 1.99 | 3.00 | 3.39 | 3.79 | 3.86 | 4.41 | 5.85 | 6.16 | 6.04 | 5.43 | 5.77 | 5.67 |
| Interest Coverage | 1.6 | 2.4 | 2.0 | 1.7 | 1.4 | 1.5 | 0.9 | 3.6 | 3437.9 | 207.8 | 540.8 | 1375.6 | 1375.6 |
| Equity | 178M | 205M | 207M | 239M | 279M | 303M | 272M | 283M | 309M | 322M | 357M | 373M | 376M |
| Total Assets | 530M | 626M | 712M | 829M | 956M | 1.2B | 1.1B | 1.5B | 1.7B | 1.8B | 1.9B | 2.1B | 2.1B |
| Total Liabilities | 352M | 421M | 505M | 590M | 677M | 856M | 832M | 1.2B | 1.4B | 1.5B | 1.6B | 1.7B | 1.7B |
| Intangibles | 847K | 473K | 5.7M | 9.9M | 9.3M | 8.7M | 8.0M | 8.8M | 12M | 16M | 25M | 32M | 0 |
| Retained Earnings | 91M | 115M | 139M | 169M | 204M | 249M | 227M | 306M | 346M | 350M | 378M | 411M | 419M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.14 | 1.79 | 1.99 | 2.54 | 2.93 | 3.80 | 2.40 | 8.33 | 5.30 | 1.66 | 4.14 | 4.45 | 5.05 |
| Owner EPS | 6.13 | 5.81 | 7.42 | 8.85 | 10.96 | 12.08 | 13.12 | 15.96 | 20.78 | 23.17 | 24.47 | 28.15 | 31.99 |
| Book Value | 13.73 | 15.72 | 17.18 | 20.30 | 23.14 | 25.72 | 24.43 | 26.56 | 31.93 | 33.52 | 35.86 | 37.38 | 40.25 |
| Cash Flow/Share | 6.61 | 6.39 | 8.30 | 9.79 | 12.13 | 13.44 | 14.81 | 17.75 | 23.21 | 25.92 | 27.01 | 30.97 | 7.09 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | 0.20 | 0.95 | 1.20 | 1.20 | 1.20 | 1.20 | 1.26 |
| Shares Out. | 13.0M | 13.1M | 12.1M | 11.8M | 12.1M | 11.8M | 11.1M | 10.6M | 9.7M | 9.6M | 10.0M | 10.0M | 9.3M |
| Valuation | |||||||||||||
| P/E Ratio | 11.4 | 7.0 | 11.2 | 8.6 | 6.7 | 6.4 | 10.0 | 5.9 | 4.5 | 14.3 | 7.8 | 8.9 | 8.2 |
| P/FCF | 2.0 | 2.1 | 2.9 | 2.3 | 1.7 | 1.9 | 1.7 | 2.8 | 1.0 | 0.9 | 1.2 | 1.3 | 1.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.9 | 0.8 | 1.3 | 1.1 | 0.8 | 1.0 | 1.0 | 1.9 | 0.7 | 0.7 | 0.9 | 1.1 | 1.0 |
| Price/Sales | 1.1 | 0.8 | 0.8 | 0.8 | 1.0 | 0.7 | 0.5 | 1.0 | 0.7 | 0.4 | 0.5 | 0.5 | 0.6 |
| FCF Yield | 48.8% | 48.7% | 35.0% | 43.1% | 59.6% | 52.9% | 60.0% | 35.3% | 95.3% | 107.4% | 82.1% | 76.7% | 82.7% |
| Market Cap | 169M | 164M | 268M | 257M | 236M | 288M | 268M | 526M | 229M | 228M | 321M | 397M | 389M |
| Avg. Price | 16.59 | 13.40 | 15.29 | 18.86 | 25.84 | 22.42 | 16.98 | 39.48 | 34.78 | 25.10 | 26.62 | 33.85 | 41.65 |
| Year-End Price | 13.02 | 12.58 | 22.22 | 21.77 | 19.59 | 24.48 | 24.08 | 49.38 | 23.71 | 23.67 | 32.28 | 39.78 | 41.65 |
Regional Management Corp. passes 3 of 9 quality checks, indicating weak fundamentals.
Regional Management Corp. trades at 9.4x trailing earnings, compared to its 15-year median P/E of 8.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 1.3x vs a median of 1.7x. The company's 5-year average ROIC is 3.3%. Total shareholder yield (dividends + buybacks) is 9.5%. At current prices, the estimated annualized return to fair value is +15.1%.
Regional Management Corp. (RM) has a net profit margin of 6.9%. This is a modest margin.
Regional Management Corp. (RM) generated $304 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Regional Management Corp. (RM) has a debt-to-equity ratio of 5.77. This indicates higher leverage, which may increase financial risk.
Regional Management Corp. (RM) reported earnings per share (EPS) of $4.45 in its most recent fiscal year.
Regional Management Corp. (RM) has a return on equity (ROE) of 12.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for Regional Management Corp. (RM), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Regional Management Corp. (RM) has a book value per share of $37.38, based on its most recent annual SEC filing.
No recent press releases.