RM
Regional Management Corp.
Financial - Credit Services
Market Cap$329M
5Y Perf.+120.5%
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Stock Comparison
RM vs PRAA
Revenue, margins, valuation, and 5-year total return — side by side.
PRAA
PRA Group, Inc.
Financial - Credit Services
Market Cap$819M
5Y Perf.-37.6%
RM vs PRAA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RM | PRAA |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $329M | $819M |
| Revenue (TTM) | $646M | $1.24B |
| Net Income (TTM) | $49M | $-305M |
| Gross Margin | 52.3% | 99.2% |
| Operating Margin | 12.4% | 33.9% |
| Forward P/E | 6.3x | 26.4x |
| Total Debt | $1.73B | $32M |
| Cash & Equiv. | $98M | $104M |
RM vs PRAA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RM
PRAA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Regional Management… (RM) | 100 | 220.5 | +120.5% |
| PRA Group, Inc. (PRAA) | 100 | 62.4 | -37.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RM vs PRAA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RM leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. PRA Group, Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
RM
Regional Management Corp.
The Banking Pick
RM carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 1.40, yield 3.3%
- 161.7% 10Y total return vs PRAA's -32.6%
- Lower volatility, beta 1.40, current ratio 8.39x
Best for: income & stability and long-term compounding
PRAA
PRA Group, Inc.
The Banking Pick
PRAA is the clearest fit if your priority is growth exposure.
- Rev growth 10.4%, EPS growth -5.4%
- 10.4% NII/revenue growth vs RM's 9.7%
- +56.9% vs RM's +27.2%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PRAA | 10.4% NII/revenue growth vs RM's 9.7% |
| Value | RM | Lower P/E (6.3x vs 26.4x) |
| Quality / Margins | RM | Efficiency ratio 0.4% vs PRAA's 0.7% (lower = leaner) |
| Stability / Safety | RM | Beta 1.40 vs PRAA's 1.82 |
| Dividends | RM | 3.3% yield; the other pay no meaningful dividend |
| Momentum (1Y) | PRAA | +56.9% vs RM's +27.2% |
| Efficiency (ROA) | RM | Efficiency ratio 0.4% vs PRAA's 0.7% |
RM vs PRAA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
RM vs PRAA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPRAALAGGINGRM
RMRegional Management C…
1leads
PRAAPRA Group, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs RMMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PRAA3/5
Valuation MetricsMultiples, price ratios, and targets
PRAA3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PRAA5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
RM4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
PRAA1/1
Income & Cash Flow (Last 12 Months)
PRAA leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRAA is the larger business by revenue, generating $1.2B annually — 1.9x RM's $646M. RM is the more profitable business, keeping 6.9% of every revenue dollar as net income compared to PRAA's -24.6%.
| Metric | RMRegional Manageme… | PRAAPRA Group, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $646M | $1.2B |
| EBITDAEarnings before interest/tax | $117M | $431M |
| Net IncomeAfter-tax profit | $49M | -$305M |
| Free Cash FlowCash after capex | $316M | -$90M |
| Gross MarginGross profit ÷ Revenue | +52.3% | +99.2% |
| Operating MarginEBIT ÷ Revenue | +12.4% | +33.9% |
| Net MarginNet income ÷ Revenue | +6.9% | -24.6% |
| FCF MarginFCF ÷ Revenue | +47.1% | -7.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +68.6% | +2.1% |
PRAA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
PRAA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, PRAA's 1.7x EV/EBITDA is more attractive than RM's 21.3x.
| Metric | RMRegional Manageme… | PRAAPRA Group, Inc. |
|---|---|---|
| Market CapShares × price | $329M | $819M |
| Enterprise ValueMkt cap + debt − cash | $2.0B | $746M |
| Trailing P/EPrice ÷ TTM EPS | 7.86x | -2.73x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.28x | 26.45x |
| PEG RatioP/E ÷ EPS growth rate | 0.60x | — |
| EV / EBITDAEnterprise value multiple | 21.34x | 1.73x |
| Price / SalesMarket cap ÷ Revenue | 0.51x | 0.66x |
| Price / BookPrice ÷ Book value/share | 0.93x | 0.80x |
| Price / FCFMarket cap ÷ FCF | 1.08x | — |
PRAA leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
PRAA leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
RM delivers a 13.2% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $-26 for PRAA. PRAA carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to RM's 4.65x. On the Piotroski fundamental quality scale (0–9), RM scores 6/9 vs PRAA's 5/9, reflecting solid financial health.
| Metric | RMRegional Manageme… | PRAAPRA Group, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +13.2% | -26.0% |
| ROA (TTM)Return on assets | +2.4% | -5.9% |
| ROICReturn on invested capital | +3.0% | +11.2% |
| ROCEReturn on capital employed | +4.5% | +8.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 4.65x | 0.03x |
| Net DebtTotal debt minus cash | $1.6B | -$72M |
| Cash & Equiv.Liquid assets | $98M | $104M |
| Total DebtShort + long-term debt | $1.7B | $32M |
| Interest CoverageEBIT ÷ Interest expense | 1.24x | 0.06x |
PRAA leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
RM leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RM five years ago would be worth $9,611 today (with dividends reinvested), compared to $5,316 for PRAA. Over the past 12 months, PRAA leads with a +56.9% total return vs RM's +27.2%. The 3-year compound annual growth rate (CAGR) favors RM at 13.1% vs PRAA's -14.8% — a key indicator of consistent wealth creation.
| Metric | RMRegional Manageme… | PRAAPRA Group, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -10.1% | +21.8% |
| 1-Year ReturnPast 12 months | +27.2% | +56.9% |
| 3-Year ReturnCumulative with dividends | +44.5% | -38.1% |
| 5-Year ReturnCumulative with dividends | -3.9% | -46.8% |
| 10-Year ReturnCumulative with dividends | +161.7% | -32.6% |
| CAGR (3Y)Annualised 3-year return | +13.1% | -14.8% |
RM leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — RM and PRAA each lead in 1 of 2 comparable metrics.
Risk & Volatility
RM is the less volatile stock with a 1.40 beta — it tends to amplify market swings less than PRAA's 1.82 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PRAA currently trades 94.4% from its 52-week high vs RM's 76.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RMRegional Manageme… | PRAAPRA Group, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.40x | 1.82x |
| 52-Week HighHighest price in past year | $46.00 | $22.55 |
| 52-Week LowLowest price in past year | $26.06 | $10.25 |
| % of 52W HighCurrent price vs 52-week peak | +76.0% | +94.4% |
| RSI (14)Momentum oscillator 0–100 | 42.7 | 62.3 |
| Avg Volume (50D)Average daily shares traded | 56K | 447K |
Evenly matched — RM and PRAA each lead in 1 of 2 comparable metrics.
Analyst Outlook
PRAA leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates RM as "Hold" and PRAA as "Hold". RM is the only dividend payer here at 3.31% yield — a key consideration for income-focused portfolios.
| Metric | RMRegional Manageme… | PRAAPRA Group, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | — | $26.00 |
| # AnalystsCovering analysts | 15 | 13 |
| Dividend YieldAnnual dividend ÷ price | +3.3% | — |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | $1.16 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +7.3% | +2.4% |
PRAA leads this category, winning 1 of 1 comparable metric.
Key Takeaway
PRAA leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). RM leads in 1 (Total Returns). 1 tied.
Best OverallPRA Group, Inc. (PRAA)Leads 4 of 6 categories
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RM vs PRAA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is RM or PRAA a better buy right now?
For growth investors, PRA Group, Inc.
(PRAA) is the stronger pick with 10. 4% revenue growth year-over-year, versus 9. 7% for Regional Management Corp. (RM). Regional Management Corp. (RM) offers the better valuation at 7. 9x trailing P/E (6. 3x forward), making it the more compelling value choice. Analysts rate Regional Management Corp. (RM) a "Hold" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — RM or PRAA?
On forward P/E, Regional Management Corp.
is actually cheaper at 6. 3x.
03Which is the better long-term investment — RM or PRAA?
Over the past 5 years, Regional Management Corp.
(RM) delivered a total return of -3. 9%, compared to -46. 8% for PRA Group, Inc. (PRAA). Over 10 years, the gap is even starker: RM returned +161. 7% versus PRAA's -32. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — RM or PRAA?
By beta (market sensitivity over 5 years), Regional Management Corp.
(RM) is the lower-risk stock at 1. 40β versus PRA Group, Inc. 's 1. 82β — meaning PRAA is approximately 30% more volatile than RM relative to the S&P 500. On balance sheet safety, PRA Group, Inc. (PRAA) carries a lower debt/equity ratio of 3% versus 5% for Regional Management Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — RM or PRAA?
By revenue growth (latest reported year), PRA Group, Inc.
(PRAA) is pulling ahead at 10. 4% versus 9. 7% for Regional Management Corp. (RM). On earnings-per-share growth, the picture is similar: Regional Management Corp. grew EPS 7. 5% year-over-year, compared to -535. 2% for PRA Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — RM or PRAA?
Regional Management Corp.
(RM) is the more profitable company, earning 6. 9% net margin versus -24. 6% for PRA Group, Inc. — meaning it keeps 6. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRAA leads at 33. 9% versus 12. 4% for RM. At the gross margin level — before operating expenses — PRAA leads at 99. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is RM or PRAA more undervalued right now?
On forward earnings alone, Regional Management Corp.
(RM) trades at 6. 3x forward P/E versus 26. 4x for PRA Group, Inc. — 20. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — RM or PRAA?
In this comparison, RM (3.
3% yield) pays a dividend. PRAA does not pay a meaningful dividend and should not be held primarily for income.
09Is RM or PRAA better for a retirement portfolio?
For long-horizon retirement investors, Regional Management Corp.
(RM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (3. 3% yield, +161. 7% 10Y return). PRA Group, Inc. (PRAA) carries a higher beta of 1. 82 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (RM: +161. 7%, PRAA: -32. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between RM and PRAA?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: RM is a small-cap deep-value stock; PRAA is a small-cap quality compounder stock. RM pays a dividend while PRAA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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