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RM
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RMRegional Management Corp.
$36.25$334M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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RM logo

Regional Management Corp.

RM
NYSE · Consumer Finance
$36.25
At close - Nov 6, 4:00 PM EST - USD
Market Cap$334M
P/E7.1x
52W High$44.30
Volume72.59K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Reserve Releases Flatter Earnings Amid Consumer Lending Expansion

Regional Management's net interest income has compounded from $110.0M in 2024Q2 to $131.6M in 2026Q3, a roughly 20 percent gain that suggests steady loan book growth, and total assets expanded about 22 percent to $2.2B over the same window.

GrowthExpanding
ProfitabilityModerate
ValuationAttractive
TechnicalsNeutral
Explore valuation models
MARKET ACTION

RM price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

10/12 Beats

EPS beat 10 of last 12 quarters

02

Valuation risk

-47% Peers

P/E is 47% below peer median

03

Market leadership

RS 71 · Avg

Average momentum (RS Rating: 71)

04

Trend Check

N/A

Trend data unavailable

Next CatalystEstimated earnings · Jan 28

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
RM-5.33%
S&P 500 (^GSPC)+7.63%
1-Year Return
RM+1.90%
S&P 500 (^GSPC)+9.69%
3-Year Return
RM+80.40%
S&P 500 (^GSPC)+62.97%
5-Year Return
RM-27.18%
S&P 500 (^GSPC)+52.54%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
7.1x
Forward P/E
7.2x
EV/EBITDA0th %ile
11.4x
FCF YieldCash Flow
94.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
7.1x
8.2x
40th· Fair
EV/EBITDA
11.4x
21.1x
0th· Low
Price/FCF
1.1x
1.3x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$561M+9.1% YoY
Net income FY25
$44M+7.7% YoY
Free cash flow FY25
$292M+10.7% YoY
Operating margin FY25
14.3%+3.8 pts YoY
ROIC (FY25)3%
Avg ROIC 5Y3.2%
ROE (TTM)12.6%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate10/12 (83%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 28, 2026
$1.61+9.5%
vs $1.47
$179M+2.3%
vs $175M
Q3 2026
Jul 29, 2026
$0.85+5.2%
vs $0.81
$168M+1.4%
vs $166M
Q2 2026
Apr 29, 2026
$1.18+21.0%
vs $0.97
$167M+3.6%
vs $162M
Q1 2026
Feb 4, 2026
$1.30+1.6%
vs $1.28
$170M+4.0%
vs $163M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
MarketBeat·Oct 29, 2026
Regional Management Q3 Earnings Call Highlights

Regional Management NYSE: RM reported third-quarter 2026 net income of $15.1 million, or $1.61 per diluted share, as record revenue and portfolio growth offset higher credit losses, operating expenses and interest costs. Net income increased from $14.4 million, or $1.42 per share, in the prior-year quarter.

Seeking Alpha·Oct 28, 2026
Regional Management Corp. (RM) Q3 2026 Earnings Call Transcript

Regional Management Corp. (RM) Q3 2026 Earnings Call Transcript

Business Wire·Oct 28, 2026
Regional Management Corp. Announces Third Quarter 2026 Results

GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the third quarter ended September 30, 2026. “Our third quarter results reflect steady execution against the priorities we outlined in July,” said Lakhbir S. Lamba, President and Chief Executive Officer of Regional Management Corp. “We grew the portfolio in line with our expectations, generated record revenue supported by fee income from our bank partnershi.

Business Wire·Oct 28, 2026
Regional Management Corp. Appoints Elizabeth Canini as Chief Credit Risk Officer

GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today the appointment of Elizabeth Canini as Chief Credit Risk Officer, effective November 2, 2026. Ms. Canini has more than 25 years of credit risk and consumer lending experience, with senior leadership roles at Citi, PNC, and HSBC. Most recently, she served as Managing Director and Senior Credit Officer for the Retail Bank at Citi, where she held independent second-line.

Filtered for Regional Management Corp.More Headlines
04

Compare before deciding

Benchmark RM against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Regional Management Corp. (RM)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
RM logoRMRegional Management Corp.Current
$36.25$333.8M7.139.1%8.05%12.61%3.19%
WRLD logoWRLDWorld Acceptance Corporation
$149.08$694.77M13.582.6%9.13%14.16%—
OMF logoOMFOneMain Holdings, Inc.
$56.09$6.48B8.459.54%14.72%22.64%4.62%
PRAA logoPRAAPRA Group, Inc.
$12.92$492.78M3.12-4.51%13.85%14.48%—
SLM logoSLMSLM Corporation
$16.94$3.18B5.547.32%31.69%23.59%19.95%
NAVI logoNAVINavient Corporation
$8.42$791.39M-16.50-32.67%-8.91%-2.04%7.56%

Compare RM vs Peers

Regional Management Corp. (RM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WRLD

Most directly comparable listed peer for RM.

Scale Benchmark

vs EFX

Larger-name benchmark to compare RM against a more recognizable public peer.

Peer Set

Compare Top 5

vs WRLD, OMF, PRAA, SLM

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

RM SEC Filings & Documents

Regional Management Corp. (RM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 28, 2026·SEC

Material company update

Jul 29, 2026·SEC

Material company update

May 19, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 22, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Oct 30, 2026·SEC

FY 2026

Jul 31, 2026·SEC

FY 2026

May 1, 2026·SEC

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RM Frequently Asked Questions

Regional Management Corp. (RM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Regional Management Corp. growing?

Regional Management Corp. (RM) grew revenue by 7.7% over the trailing twelve months, compared with the twelve months before.

Is RM profitable?

Yes. Regional Management Corp. (RM) earned $47.6M in net income over the trailing twelve months (a 8.0% net margin).

Dividend & Returns
Does RM pay dividends?

Yes. Regional Management Corp. (RM) pays a dividend that yields 3.19% at the current price, a moderate yield.

What is RM's return on equity?

Regional Management Corp. (RM) had a return on equity (ROE) of 12.6% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Regional Management Corp.'s net interest margin?

Regional Management Corp. (RM) has a net interest margin (NIM) of 22.6%. This indicates healthy earnings from lending activities.

What is Regional Management Corp.'s efficiency ratio?

Regional Management Corp. (RM) has an efficiency ratio of 45.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in RM back in 2010?

Total return calculator · dividends reinvested · 16+ years of data

See returns →