REGIONAL MANAGEMENT CORP (RM) Fundamental Analysis & Valuation

NYSE:RM • US75902K1060

32.34 USD
+0.03 (+0.09%)
At close: Mar 10, 2026
32.34 USD
0 (0%)
After Hours: 3/10/2026, 6:40:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This RM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

RM gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. While RM is still in line with the averages on profitability rating, there are concerns on its financial health. RM may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

4

1. RM Profitability Analysis

1.1 Basic Checks

  • In the past year RM was profitable.
  • In the past year RM had a positive cash flow from operations.
  • Each year in the past 5 years RM has been profitable.
  • RM had a positive operating cash flow in each of the past 5 years.
RM Yearly Net Income VS EBIT VS OCF VS FCFRM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

1.2 Ratios

  • The Return On Assets of RM (2.11%) is comparable to the rest of the industry.
  • RM has a Return On Equity of 11.90%. This is comparable to the rest of the industry: RM outperforms 46.30% of its industry peers.
  • RM has a Return On Invested Capital of 5.41%. This is in the better half of the industry: RM outperforms 61.11% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for RM is significantly below the industry average of 12.42%.
Industry RankSector Rank
ROA 2.11%
ROE 11.9%
ROIC 5.41%
ROA(3y)1.72%
ROA(5y)2.84%
ROE(3y)9.47%
ROE(5y)15.27%
ROIC(3y)6.2%
ROIC(5y)5.87%
RM Yearly ROA, ROE, ROICRM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • RM has a worse Profit Margin (6.88%) than 70.37% of its industry peers.
  • In the last couple of years the Profit Margin of RM has remained more or less at the same level.
  • RM's Operating Margin of 22.09% is fine compared to the rest of the industry. RM outperforms 74.07% of its industry peers.
  • In the last couple of years the Operating Margin of RM has declined.
Industry RankSector Rank
OM 22.09%
PM (TTM) 6.88%
GM N/A
OM growth 3Y12.44%
OM growth 5Y-4.54%
PM growth 3Y-12%
PM growth 5Y-0.74%
GM growth 3YN/A
GM growth 5YN/A
RM Yearly Profit, Operating, Gross MarginsRM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. RM Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so RM is still creating some value.
  • RM has less shares outstanding than it did 1 year ago.
  • RM has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, RM has a worse debt to assets ratio.
RM Yearly Shares OutstandingRM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
RM Yearly Total Debt VS Total AssetsRM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • Based on the Altman-Z score of 0.86, we must say that RM is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of RM (0.86) is better than 61.11% of its industry peers.
  • RM has a debt to FCF ratio of 5.62. This is a neutral value as RM would need 5.62 years to pay back of all of its debts.
  • RM has a better Debt to FCF ratio (5.62) than 72.22% of its industry peers.
  • A Debt/Equity ratio of 4.40 is on the high side and indicates that RM has dependencies on debt financing.
  • RM's Debt to Equity ratio of 4.40 is on the low side compared to the rest of the industry. RM is outperformed by 62.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.4
Debt/FCF 5.62
Altman-Z 0.86
ROIC/WACC0.93
WACC5.82%
RM Yearly LT Debt VS Equity VS FCFRM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

2.3 Liquidity

  • RM has a Current Ratio of 0.04. This is a bad value and indicates that RM is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of RM (0.04) is worse than 77.78% of its industry peers.
  • RM has a Quick Ratio of 0.04. This is a bad value and indicates that RM is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.04, RM is doing worse than 77.78% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
RM Yearly Current Assets VS Current LiabilitesRM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. RM Growth Analysis

3.1 Past

  • RM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.97%.
  • The Earnings Per Share has been growing by 13.24% on average over the past years. This is quite good.
  • Looking at the last year, RM shows a quite strong growth in Revenue. The Revenue has grown by 9.70% in the last year.
  • Measured over the past years, RM shows a quite strong growth in Revenue. The Revenue has been growing by 11.54% on average per year.
EPS 1Y (TTM)6.97%
EPS 3Y-5.18%
EPS 5Y13.24%
EPS Q2Q%32.65%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y8.37%
Revenue growth 5Y11.54%
Sales Q2Q%9.6%

3.2 Future

  • Based on estimates for the next years, RM will show a very strong growth in Earnings Per Share. The EPS will grow by 23.31% on average per year.
  • RM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.25% yearly.
EPS Next Y45.21%
EPS Next 2Y37.25%
EPS Next 3Y23.31%
EPS Next 5YN/A
Revenue Next Year5.28%
Revenue Next 2Y6.46%
Revenue Next 3Y5.25%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
RM Yearly Revenue VS EstimatesRM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
RM Yearly EPS VS EstimatesRM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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8

4. RM Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.27 indicates a rather cheap valuation of RM.
  • Compared to the rest of the industry, the Price/Earnings ratio of RM indicates a somewhat cheap valuation: RM is cheaper than 61.11% of the companies listed in the same industry.
  • RM is valuated cheaply when we compare the Price/Earnings ratio to 26.45, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 5.00, which indicates a rather cheap valuation of RM.
  • Based on the Price/Forward Earnings ratio, RM is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 24.65. RM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.27
Fwd PE 5
RM Price Earnings VS Forward Price EarningsRM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RM indicates a somewhat cheap valuation: RM is cheaper than 61.11% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RM indicates a rather cheap valuation: RM is cheaper than 90.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.06
EV/EBITDA 12.26
RM Per share dataRM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as RM's earnings are expected to grow with 23.31% in the coming years.
PEG (NY)0.16
PEG (5Y)0.55
EPS Next 2Y37.25%
EPS Next 3Y23.31%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. RM Dividend Analysis

5.1 Amount

  • RM has a Yearly Dividend Yield of 3.61%.
  • Compared to an average industry Dividend Yield of 2.82, RM pays a bit more dividend than its industry peers.
  • RM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.61%

5.2 History

  • The dividend of RM is nicely growing with an annual growth rate of 42.35%!
  • RM has been paying a dividend for over 5 years, so it has already some track record.
  • RM has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)42.35%
Div Incr Years0
Div Non Decr Years4
RM Yearly Dividends per shareRM Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • RM pays out 25.86% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of RM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.86%
EPS Next 2Y37.25%
EPS Next 3Y23.31%
RM Yearly Income VS Free CF VS DividendRM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
RM Dividend Payout.RM Dividend Payout, showing the Payout Ratio.RM Dividend Payout.PayoutRetained Earnings

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RM Fundamentals: All Metrics, Ratios and Statistics

REGIONAL MANAGEMENT CORP

NYSE:RM (3/10/2026, 6:40:00 PM)

After market: 32.34 0 (0%)

32.34

+0.03 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners82.25%
Inst Owner Change0.17%
Ins Owners8.06%
Ins Owner Change-4.37%
Market Cap308.85M
Revenue(TTM)645.60M
Net Income(TTM)44.41M
Analysts81.54
Price Target51 (57.7%)
Short Float %3.48%
Short Ratio5.21
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
Yearly Dividend1.17
Dividend Growth(5Y)42.35%
DP25.86%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-19
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.72%
Min EPS beat(2)-3.73%
Max EPS beat(2)-1.72%
EPS beat(4)1
Avg EPS beat(4)6.29%
Min EPS beat(4)-7.33%
Max EPS beat(4)37.93%
EPS beat(8)4
Avg EPS beat(8)15.35%
EPS beat(12)8
Avg EPS beat(12)19.43%
EPS beat(16)11
Avg EPS beat(16)14.96%
Revenue beat(2)2
Avg Revenue beat(2)2.14%
Min Revenue beat(2)2.02%
Max Revenue beat(2)2.25%
Revenue beat(4)3
Avg Revenue beat(4)0.83%
Min Revenue beat(4)-1.69%
Max Revenue beat(4)2.25%
Revenue beat(8)5
Avg Revenue beat(8)0.19%
Revenue beat(12)5
Avg Revenue beat(12)-0.65%
Revenue beat(16)7
Avg Revenue beat(16)-0.67%
PT rev (1m)0%
PT rev (3m)7.91%
EPS NQ rev (1m)-36.13%
EPS NQ rev (3m)-36.13%
EPS NY rev (1m)0%
EPS NY rev (3m)2.43%
Revenue NQ rev (1m)-1.76%
Revenue NQ rev (3m)-1.76%
Revenue NY rev (1m)-1.17%
Revenue NY rev (3m)-1.69%
Valuation
Industry RankSector Rank
PE 7.27
Fwd PE 5
P/S 0.48
P/FCF 1.06
P/OCF 1
P/B 0.83
P/tB 0.9
EV/EBITDA 12.26
EPS(TTM)4.45
EY13.76%
EPS(NY)6.46
Fwd EY19.98%
FCF(TTM)30.58
FCFY94.54%
OCF(TTM)32.36
OCFY100.07%
SpS67.6
BVpS39.07
TBVpS35.74
PEG (NY)0.16
PEG (5Y)0.55
Graham Number62.54
Profitability
Industry RankSector Rank
ROA 2.11%
ROE 11.9%
ROCE 7.06%
ROIC 5.41%
ROICexc 5.42%
ROICexgc 5.58%
OM 22.09%
PM (TTM) 6.88%
GM N/A
FCFM 45.23%
ROA(3y)1.72%
ROA(5y)2.84%
ROE(3y)9.47%
ROE(5y)15.27%
ROIC(3y)6.2%
ROIC(5y)5.87%
ROICexc(3y)6.22%
ROICexc(5y)5.89%
ROICexgc(3y)6.38%
ROICexgc(5y)6.02%
ROCE(3y)8.1%
ROCE(5y)7.66%
ROICexgc growth 3Y18.99%
ROICexgc growth 5Y-4.62%
ROICexc growth 3Y18.58%
ROICexc growth 5Y-4.75%
OM growth 3Y12.44%
OM growth 5Y-4.54%
PM growth 3Y-12%
PM growth 5Y-0.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 4.4
Debt/FCF 5.62
Debt/EBITDA 10.34
Cap/Depr 105.12%
Cap/Sales 2.65%
Interest Coverage 1.82
Cash Conversion 194.58%
Profit Quality 657.46%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z 0.86
F-Score5
WACC5.82%
ROIC/WACC0.93
Cap/Depr(3y)103.74%
Cap/Depr(5y)91.99%
Cap/Sales(3y)2.6%
Cap/Sales(5y)2.33%
Profit Quality(3y)917.78%
Profit Quality(5y)674.89%
High Growth Momentum
Growth
EPS 1Y (TTM)6.97%
EPS 3Y-5.18%
EPS 5Y13.24%
EPS Q2Q%32.65%
EPS Next Y45.21%
EPS Next 2Y37.25%
EPS Next 3Y23.31%
EPS Next 5YN/A
Revenue 1Y (TTM)9.7%
Revenue growth 3Y8.37%
Revenue growth 5Y11.54%
Sales Q2Q%9.6%
Revenue Next Year5.28%
Revenue Next 2Y6.46%
Revenue Next 3Y5.25%
Revenue Next 5YN/A
EBIT growth 1Y10.88%
EBIT growth 3Y21.86%
EBIT growth 5Y6.47%
EBIT Next Year18.39%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.08%
FCF growth 3Y11.1%
FCF growth 5Y12.84%
OCF growth 1Y14.93%
OCF growth 3Y11.28%
OCF growth 5Y13.37%

REGIONAL MANAGEMENT CORP / RM FAQ

Can you provide the ChartMill fundamental rating for REGIONAL MANAGEMENT CORP?

ChartMill assigns a fundamental rating of 5 / 10 to RM.


What is the valuation status for RM stock?

ChartMill assigns a valuation rating of 8 / 10 to REGIONAL MANAGEMENT CORP (RM). This can be considered as Undervalued.


Can you provide the profitability details for REGIONAL MANAGEMENT CORP?

REGIONAL MANAGEMENT CORP (RM) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for RM stock?

The Earnings per Share (EPS) of REGIONAL MANAGEMENT CORP (RM) is expected to grow by 45.21% in the next year.


Is the dividend of REGIONAL MANAGEMENT CORP sustainable?

The dividend rating of REGIONAL MANAGEMENT CORP (RM) is 6 / 10 and the dividend payout ratio is 25.86%.