REGIONAL MANAGEMENT CORP (RM) Fundamental Analysis & Valuation
NYSE:RM • US75902K1060
32.31 USD
+0.07 (+0.22%)
At close: Mar 9, 2026
32.31 USD
0 (0%)
After Hours: 3/9/2026, 7:28:58 PM
This RM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 5 out of 10 to RM. RM was compared to 54 industry peers in the Consumer Finance industry. RM has a medium profitability rating, but doesn't score so well on its financial health evaluation. RM may be a bit undervalued, certainly considering the very reasonable score on growth
1. RM Profitability Analysis
1.1 Basic Checks
- RM had positive earnings in the past year.
- RM had a positive operating cash flow in the past year.
- Each year in the past 5 years RM has been profitable.
- In the past 5 years RM always reported a positive cash flow from operatings.
1.2 Ratios
- RM has a Return On Assets (2.11%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 11.90%, RM is in line with its industry, outperforming 46.30% of the companies in the same industry.
- 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.
- RM had an Average Return On Invested Capital over the past 3 years of 6.20%. This is significantly below the industry average of 12.42%.
| Industry Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 6.88%, RM is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of RM has remained more or less at the same level.
- RM has a better Operating Margin (22.09%) than 74.07% of its industry peers.
- RM's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
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.
- Compared to 1 year ago, RM has less shares outstanding
- RM has less shares outstanding than it did 5 years ago.
- RM has a worse debt/assets ratio than last year.
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.
- The Debt to FCF ratio of RM is 5.62, which is a neutral value as it means it would take RM, 5.62 years of fcf income to pay off all of its debts.
- RM has a Debt to FCF ratio of 5.62. This is in the better half of the industry: RM outperforms 72.22% of its industry peers.
- RM has a Debt/Equity ratio of 4.40. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 4.40, RM is doing worse than 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.4 | ||
| Debt/FCF | 5.62 | ||
| Altman-Z | 0.86 |
ROIC/WACC0.93
WACC5.82%
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.
- RM has a Current ratio of 0.04. This is in the lower half of the industry: RM underperforms 77.78% of its industry peers.
- A Quick Ratio of 0.04 indicates that RM may have some problems paying its short term obligations.
- RM has a Quick ratio of 0.04. This is in the lower half of the industry: RM underperforms 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. RM Growth Analysis
3.1 Past
- The Earnings Per Share has been growing slightly by 6.97% over the past year.
- The Earnings Per Share has been growing by 13.24% on average over the past years. This is quite good.
- The Revenue has grown by 9.70% in the past year. This is quite good.
- 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.
- The Revenue is expected to grow by 5.25% on average over the next years.
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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. RM Valuation Analysis
4.1 Price/Earnings Ratio
- RM is valuated cheaply with a Price/Earnings ratio of 7.26.
- 61.11% of the companies in the same industry are more expensive than RM, based on the Price/Earnings ratio.
- RM is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 5.00, the valuation of RM can be described as very cheap.
- 87.04% of the companies in the same industry are more expensive than RM, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.65, RM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.26 | ||
| Fwd PE | 5 |
4.2 Price Multiples
- RM's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. RM is cheaper than 61.11% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, RM is valued cheaper than 90.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.06 | ||
| EV/EBITDA | 12.25 |
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.
- RM's earnings are expected to grow with 23.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)0.55
EPS Next 2Y37.25%
EPS Next 3Y23.31%
5. RM Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 3.61%, RM has a reasonable but not impressive dividend return.
- RM's Dividend Yield is a higher than the industry average which is at 2.82.
- RM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector 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
5.3 Sustainability
- RM pays out 25.86% of its income as dividend. This is a sustainable payout ratio.
- RM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.86%
EPS Next 2Y37.25%
EPS Next 3Y23.31%
RM Fundamentals: All Metrics, Ratios and Statistics
32.31
+0.07 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-28 2026-04-28/amc
Inst Owners82.25%
Inst Owner Change0.17%
Ins Owners8.06%
Ins Owner Change-4.37%
Market Cap308.56M
Revenue(TTM)645.60M
Net Income(TTM)44.41M
Analysts81.54
Price Target51 (57.85%)
Short Float %3.48%
Short Ratio5.21
Dividend
| Industry Rank | Sector 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 2026-02-19 (0.3)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.26 | ||
| Fwd PE | 5 | ||
| P/S | 0.48 | ||
| P/FCF | 1.06 | ||
| P/OCF | 1 | ||
| P/B | 0.83 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | 12.25 |
EPS(TTM)4.45
EY13.77%
EPS(NY)6.46
Fwd EY20%
FCF(TTM)30.58
FCFY94.63%
OCF(TTM)32.36
OCFY100.16%
SpS67.6
BVpS39.07
TBVpS35.74
PEG (NY)0.16
PEG (5Y)0.55
Graham Number62.54
Profitability
| Industry Rank | Sector 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 Rank | Sector 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%.