REGIONAL MANAGEMENT CORP (RM)

Price$35.93

Value ScoreB

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-13.47%

Price vs S&P 500 (4W)1.68%

VGM Score67.17

Market Capitalization$330.85M

P/E Ratio (Annual)7.45x

Indicated Dividend Yield (Annual)3.34%

All Metrics

P/CF (Annual)1.07x

Book Value / Share (Quarterly)$40.25

P/TBV (Annual)1.10x

Indicated Dividend (Annual)$1.20

Revenue Growth (3Y)8.37%

Cash Flow / Share (Quarterly)$33.15

Payout Ratio (TTM)24.08%

Price vs S&P 500 (YTD)-15.44%

Gross Margin (TTM)100.00%

Net Profit Margin (TTM)7.40%

EPS (TTM)$4.93

10-Day Avg Trading Volume0.05M

EPS Excl Extra (TTM)$4.93

Revenue Growth (5Y)11.54%

EPS (Annual)$4.45

Dividend / Share (Annual)$1.17

ROI (Annual)2.20%

Gross Margin (Annual)100.00%

Net Profit Margin (5Y Avg)9.51%

Cash / Share (Quarterly)$0.52

P/E Basic Excl Extra (TTM)6.78x

Revenue Growth QoQ (YoY)9.36%

EPS Growth (5Y)13.08%

P/E Normalized (Annual)7.45x

ROA (Last FY)2.11%

Revenue Growth TTM (YoY)10.51%

EBITD / Share (TTM)$17.06

ROE (5Y Avg)15.27%

Operating Margin (TTM)22.94%

Cash Flow / Share (Annual)$30.56

P/B Ratio0.88x

P/B Ratio (Quarterly)0.81x

Net Income / Employee (Annual)$21,000

EV / Revenue (TTM)2.94x

Net Interest Coverage (TTM)1.68x

ROA (TTM)2.39%

EPS Growth QoQ (YoY)68.81%

EV / EBITDA (TTM)11.49x

EPS Incl Extra (Annual)$4.45

Current Ratio (Annual)0.04x

Quick Ratio (Quarterly)0.06x

3-Month Avg Trading Volume0.06M

52-Week Price Return33.17%

EV / Free Cash Flow (Annual)6.65x

P/E Incl Extra (TTM)6.78x

Revenue / Employee (TTM)$312,500

Tangible BV / Share (Quarterly)$36.70

P/S Ratio (Annual)0.51x

Asset Turnover (Annual)0.31x

52-Week High$46.00

Operating Margin (5Y Avg)22.63%

EPS Excl Extra (Annual)$4.45

CapEx CAGR (5Y)25.89%

Tangible BV CAGR (5Y)5.30%

26-Week Price Return-5.55%

Quick Ratio (Annual)0.04x

13-Week Price Return8.22%

Total Debt / Equity (Annual)4.40x

Current Ratio (Quarterly)0.06x

Enterprise Value$1.94B

Revenue / Share Growth (5Y)13.93%

Asset Turnover (TTM)0.32x

Book Value / Share Growth (5Y)9.35%

Revenue / Employee (Annual)$305,700

Pretax Margin (Annual)8.95%

Cash / Share (Annual)$0.40

3-Month Return Std Dev36.12%

Gross Margin (5Y Avg)99.00%

Net Income / Employee (TTM)$23,100

EBITDA CAGR (5Y)12.77%

EBITDA Interim CAGR (5Y)-0.41%

ROE (Last FY)11.90%

Net Interest Coverage (Annual)1.72x

EPS Basic Excl Extra (Annual)$4.45

P/FCF (TTM)1.07x

EV / Free Cash Flow (TTM)6.27x

Total Debt / Equity (Quarterly)4.30x

EPS Incl Extra (TTM)$4.93

Receivables Turnover (Annual)75.14x

ROI (TTM)2.50%

Dividend Growth Rate (5Y)42.35%

P/S Ratio (TTM)0.50x

Pretax Margin (5Y Avg)12.21%

Revenue / Share (Annual)$64.66

Tangible BV / Share (Annual)$35.80

Forward P/E5.82x

Free OCF CAGR (5Y)12.84%

Price vs S&P 500 (52W)8.81%

P/E Ratio (TTM)6.78x

EPS Growth TTM (YoY)49.57%

Year-to-Date Return-7.28%

5-Day Price Return-2.04%

EPS Normalized (Annual)$4.45

ROA (5Y Avg)2.84%

Net Profit Margin (Annual)6.88%

Month-to-Date Return-2.26%

Cash Flow / Share (TTM)$4.25

EBITD / Share (Annual)$15.91

EPS Growth (3Y)-5.54%

Operating Margin (Annual)22.09%

LT Debt / Equity (Annual)3.80x

P/CF (TTM)1.01x

ROI (5Y Avg)2.98%

P/E Excl Extra (TTM)6.78x

LT Debt / Equity (Quarterly)4.30x

EPS Basic Excl Extra (TTM)$4.93

P/TBV (Quarterly)0.88x

Payout Ratio (Annual)25.86%

P/B Ratio (Annual)1.01x

Dividend / Share (TTM)$1.21

Pretax Margin (TTM)9.61%

Book Value / Share (Annual)$39.05

Price vs S&P 500 (13W)-0.03%

Net Margin Growth (5Y)-0.74%

Dividend Yield (TTM)3.55%

Beta1.02x

P/FCF (Annual)1.13x

Revenue / Share (TTM)$68.30

ROE (TTM)13.16%

52-Week Low$26.80

vGradeB

gGradeC

mGradeB

vgmGradeB

Show chart for

Earnings Surprise History

Q1 261.18est. 1.00

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

4.17

4.25

Industry Peers — Personal Credit Institutions(14)

Symbol	Value Score	Growth Score	Momentum Score	Price
RMREGIONAL MANAGEMENT CORP	B	C	B	$35.93
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	B	$63.61
OMFOneMain Holdings, Inc.	B	D	B	$55.36
CACCCredit Acceptance Corp	C	C	B	$544.71
NNINelnet, Inc. Class A	C	C	B	$129.03
SLMSLM Corporation	C	C	B	$22.39
ENVAEnova International, Inc.	C	C	A	$168.82
BFHBread Financial Holdings, Inc.	B	C	A	$91.11
LCLendingClub Corporation	C	C	B	$17.15
ATLCAtlanticus Holdings Corporation	C	C	A	$84.10
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	C	A	$25.18

About

Regional Management Corp is a consumer finance company that provides installment loans to borrowers with limited access to traditional bank credit. The company generates revenue through interest and fees on its loan portfolio while offering optional payment and collateral protection insurance.