Regional Management Corp RM

FinancialsBanking ServicesUnited States of America

Last close 33.65 USD on Nov 1, 2026, −3.9% year to date

Quant rating

Quant rating A Rank 41 of 799 in Financials

Growth A 82 of 799
Valuation A 104 of 799
Quality A 70 of 799
Revisions B 142 of 799
Momentum B 312 of 799

Wall Street consensus Strong Buy (1.33)Average target 44.33 USD +31.7%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 335M
Enterprise value: 2.1B
52-week range: 29.92 – 43.91
3-year range: 20.82 – 45.54
Dividend yield: 3.31%
Beta (5 years): 1.10
Shares outstanding: 9.2M
Next earnings: Feb 5, 2027

About the company

Regional Management Corp. is a diversified consumer finance company. The Company provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. The Company operates under the name Regional Finance online and in branch locations in 19 states across the United States. Its 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. It sources loans through its multiple channel platform, which includes branches, centrally managed direct mail campaigns, digital partners, and its consumer Website. Its core products are large and small installment loans. It also offers its customers optional payment and collateral protection insurance, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	646	589	551	507	428	–
Revenue growth	9.7%	6.7%	8.7%	18.4%	14.6%	11.5%
EPS (basic, normalized)	4.71	4.28	1.70	3.76	7.58	–
EPS growth	10.1%	151.9%	−54.9%	−50.3%	67.9%	0.9%
Gross margin	–	–	–	–	–	–
Net margin	6.9%	7.0%	2.9%	10.1%	20.7%	9.5%
ROE	12.4%	12.0%	9.1%	17.0%	32.0%	16.5%

Balance sheet, last quarter
Cash & short-term investments (mil)	7.6
Tier 1 risk-adjusted capital ratio	–
Long-term debt (mil)	1,746
Net debt (mil)	1,738
Total equity (mil)	381
Net debt / equity	4.56x

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	646	+9.7%	3.2x	39.05	+10.2%	0.9x	4.45	+7.5%	7.6x
2026	695	+7.6%	3.0x	43.35	+11.0%	0.8x	4.97	+11.6%	6.8x
2027	747	+7.5%	2.8x	49.95	+15.2%	0.7x	6.58	+32.4%	5.1x
2028	788	+5.5%	2.6x	53.50	+7.1%	0.6x	7.87	+19.7%	4.3x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	695	+0.7%	+0.6%	−1.5%	4.97	+0.7%	+0.3%	−10.7%
2027	747	+1.8%	+4.5%	+0.8%	6.58	+5.3%	+7.7%	−10.2%
2028	788	+5.3%	+10.5%	+8.0%	7.87	+14.7%	+32.9%	+6.6%

Earnings surprises EPS beat in 3 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	144	143	146	155	153	157	165	170	167	168
Sales mean (mil)	140	139	144	151	151	152	157	161	162	166
Surprise	+3.0%	+3.2%	+1.4%	+2.6%	+1.3%	+3.7%	+5.1%	+5.3%	+3.6%	+1.4%
EPS reported	1.56	0.86	0.76	0.98	0.70	1.03	1.42	1.30	1.18	0.85
EPS mean	0.87	0.57	1.05	0.89	0.73	0.72	1.43	1.28	0.97	0.81
Surprise	+78.4%	+51.4%	−27.6%	+10.3%	−4.5%	+42.1%	−0.8%	+1.2%	+21.0%	+5.3%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
RM Regional Management Corp	335M	–	6.9%	–	6.8x	5.1x	0.8x	0.7x
SNFN Sundaram Finance Ltd	4.6B	–	21.0%	–	20.9x	17.9x	3.2x	2.7x
SOFI SoFi Technologies, Inc.	21.7B	18.7%	14.3%	0.99x	27.7x	19.0x	1.9x	1.7x
OMF OneMain Holdings, Inc.	6.5B	–	12.5%	–	8.5x	6.8x	1.8x	1.7x
CACC Credit Acceptance Corp	4.7B	–	18.3%	–	11.3x	11.3x	17.6x	16.5x
ACMUY Acom Co Ltd	4.4B	–	23.6%	–	–	–	–	–
Mean		18.7%	16.1%	0.99x	15.0x	12.0x	5.0x	4.7x
Median		18.7%	16.3%	0.99x	11.3x	11.3x	1.9x	1.7x

Technical analysis

1M+19.3%
3M−14.0%
1Y−5.9%
3Y+71.2%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Regional Management Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	646	589	551	507	428	374
Total interest expense	–	–	–	–	–	–
Net interest income	646	589	551	507	428	374
Loan loss provision	–	–	–	–	–	–
Net interest income after loan loss provision	–	–	–	–	–	–
Non-interest income	–	–	–	–	–	–
Non-interest expense	–	–	–	–	–	–
Net income before taxes	57.8	54.1	20.8	65.3	112	35.9
Provision for taxes	13.4	12.8	4.8	14.1	23.8	9.2
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	44.4	41.2	16.0	51.2	88.7	26.7
Extraordinary items	–	–	–	–	–	–
Net income	44.4	41.2	16.0	51.2	88.7	26.7
Basic weighted average shares (mil)	9.4	9.6	9.4	9.3	10.0	10.9
Diluted weighted average shares (mil)	10.0	10.0	9.6	9.7	10.6	11.1
Basic EPS excluding extraordinary items	4.71	4.28	1.70	5.51	8.84	2.45
Basic EPS, normalized	4.71	4.28	1.70	3.76	7.58	4.51

Balance sheet in millions of USD, fiscal years

Balance sheet, Regional Management Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	–	–	–	–	–	–
Other earning assets	–	–	–	–	–	–
Net loans	–	–	–	–	–	–
Property, plant & equipment	57.0	52.1	48.1	49.0	41.7	41.6
Goodwill	0.7	0.7	0.7	0.7	0.7	0.7
Intangibles	31.1	23.8	15.1	11.4	8.8	8.0
Long-term investments	24.2	21.7	22.7	20.4	6.6	–
Other long-term assets	94.2	141	138	142	157	77.9
Other assets	12.4	13.7	13.7	11.7	9.5	9.4
Total assets	2,104	1,909	1,795	1,725	1,460	1,104
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	39.4	39.5	40.4	33.8	49.3	40.3
Accrued expenses	46.0	40.6	36.6	36.7	30.7	29.2
Total deposits	–	–	–	–	–	–
Other bearing liabilities	–	–	–	–	–	–
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	223	467	441	32.2	74.7	99.1
Long-term debt	1,419	1,005	954	1,314	1,022	663
Minority interest	–	–	–	–	–	–
Other liabilities	3.3	0	0	0	0	0
Total liabilities	1,731	1,552	1,472	1,416	1,177	832
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	1.5	1.5	1.5	1.4	1.4	1.4
Additional paid-in capital	139	131	122	112	105	105
Retained earnings (accumulated deficit)	411	378	350	346	306	227
Treasury stock	−178	−154	−150	−150	−130	−62.1
Other equity	0	0.1	−0.4	−0.6	0	0
Total equity	373	357	322	309	283	272
Total liabilities & shareholders' equity	2,104	1,909	1,795	1,725	1,460	1,104

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Regional Management Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	44.4	41.2	16.0	51.2	88.7	26.7
Depreciation, depletion & amortization	16.2	14.1	14.6	12.7	11.7	13.3
Deferred taxes	12.6	4.2	0.1	4.8	−4.3	0.7
Non-cash items	242	208	218	180	78.1	115
Changes in working capital	−6.1	1.2	0.5	−24.5	14.9	9.4
Cash from operations	309	269	249	224	189	165
Investing activities
Capital expenditures	−17.1	−17.4	−12.1	−11.4	−6.9	−5.3
Other investing cash flows	−454	−298	−267	−436	−348	−86.3
Cash from investing	−471	−315	−279	−447	−355	−91.7
Financing activities
Financing cash flow items	−12.2	−9.1	−5.7	−8.6	−18.8	−4.8
Cash dividends paid	−11.5	−12.1	−11.9	−11.4	−9.5	−2.2
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	148	74.7	44.0	226	272	−50.8
Cash from financing	124	53.4	26.4	206	243	−57.8
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−37.6	7.0	−3.1	−17.4	77.3	15.4
Free cash flow	292	252	237	213	182	160

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.