Latest Ratios: P/E Ratio 6.9x · EV/EBITDA 20.8x · ROE 12.2%. (2010–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $283M | $385M | $343M | $241M | $271M | $612M | $333M | $354M | $290M | $310M | $318M |
| Enterprise Value | $1.9B | $2.0B | $1.9B | $1.7B | $1.6B | $1.7B | $1.1B | $1.2B | $938M | $871M | $803M |
| P/E Ratio → | 6.90 | 8.71 | 8.21 | 15.11 | 5.30 | 6.90 | 12.44 | 7.90 | 8.21 | 10.36 | 13.21 |
| P/S Ratio | 0.50 | 0.69 | 0.67 | 0.50 | 0.57 | 1.54 | 0.99 | 1.12 | 1.06 | 1.25 | 1.44 |
| P/B Ratio | 0.82 | 1.03 | 0.96 | 0.75 | 0.88 | 2.16 | 1.22 | 1.17 | 1.04 | 0.40 | 0.46 |
| P/FCF | 0.97 | 1.32 | 1.30 | 1.01 | 1.27 | 3.36 | 2.00 | 2.24 | 2.08 | 2.97 | 3.59 |
| P/OCF | 0.92 | 1.24 | 1.27 | 0.97 | 1.21 | 3.24 | 1.93 | 2.14 | 1.99 | 2.69 | 3.17 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.60 | 3.60 | 3.45 | 3.49 | 4.35 | 3.32 | 3.73 | 3.43 | 3.51 | 3.64 |
| EV / EBITDA | 20.84 | 21.95 | 27.17 | 47.09 | 21.15 | 13.93 | 22.67 | 16.87 | 17.15 | 18.30 | 17.68 |
| EV / EBIT | 23.88 | 25.15 | 34.24 | 80.25 | 25.26 | 15.37 | 31.07 | 19.97 | 20.44 | 21.64 | 20.61 |
| EV / FCF | — | 6.92 | 7.02 | 7.03 | 7.75 | 9.49 | 6.69 | 7.47 | 6.73 | 8.35 | 9.07 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.3% | 52.3% | 51.3% | 47.9% | 56.8% | 71.9% | 56.8% | 60.7% | 60.7% | 62.8% | 65.5% |
| Operating Margin | 12.4% | 12.4% | 9.2% | 3.8% | 12.9% | 26.3% | 9.6% | 16.6% | 15.0% | 14.8% | 16.2% |
| Net Profit Margin | 6.9% | 6.9% | 7.0% | 2.9% | 10.1% | 20.7% | 7.1% | 12.6% | 11.5% | 11.0% | 10.0% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 12.2% | 12.1% | 5.1% | 17.3% | 32.0% | 9.3% | 15.4% | 6.6% | 4.1% | 5.4% |
| ROA | 2.2% | 2.2% | 2.2% | 0.9% | 3.2% | 6.9% | 2.4% | 4.2% | 4.0% | 3.9% | 3.6% |
| ROIC | 3.0% | 3.0% | 2.2% | 0.9% | 3.2% | 6.8% | 2.5% | 4.3% | 3.0% | 2.4% | 3.3% |
| ROCE | 4.5% | 4.5% | 3.4% | 1.3% | 4.7% | 11.3% | 4.7% | 8.6% | 10.0% | 14.0% | 14.2% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.65 | 4.65 | 4.24 | 4.44 | 4.48 | 3.99 | 2.91 | 2.73 | 2.33 | 0.72 | 0.72 |
| Debt / EBITDA | 18.83 | 18.83 | 22.20 | 40.43 | 17.72 | 9.08 | 16.07 | 11.84 | 11.91 | 11.90 | 10.78 |
| Net Debt / Equity | — | 4.39 | 4.22 | 4.43 | 4.47 | 3.95 | 2.88 | 2.72 | 2.32 | 0.72 | 0.71 |
| Net Debt / EBITDA | 17.77 | 17.77 | 22.14 | 40.30 | 17.67 | 9.00 | 15.91 | 11.81 | 11.84 | 11.79 | 10.69 |
| Debt / FCF | — | 5.60 | 5.72 | 6.02 | 6.48 | 6.13 | 4.70 | 5.23 | 4.64 | 5.38 | 5.48 |
| Interest Coverage | 0.95 | 0.95 | 0.73 | 0.31 | 1.91 | 3.59 | 0.95 | 1.47 | 1.37 | 1.68 | 1.95 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 8.39 | 8.39 | 0.05 | 0.11 | 0.16 | 0.09 | 0.06 | 0.02 | 0.03 | 0.03 | 0.01 |
| Quick Ratio | 8.39 | 8.39 | 0.05 | 0.11 | 0.16 | 0.09 | 0.06 | 0.02 | 0.03 | 0.03 | 0.01 |
| Cash Ratio | 0.42 | 0.42 | 0.01 | 0.02 | 0.02 | 0.04 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Asset Turnover | — | 0.30 | 0.31 | 0.31 | 0.29 | 0.29 | 0.34 | 0.31 | 0.32 | 0.33 | 0.34 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.8% | 3.0% | 3.5% | 4.9% | 4.2% | 1.6% | 0.7% | — | — | — | — |
| Payout Ratio | 25.9% | 25.9% | 29.5% | 74.5% | 22.2% | 10.8% | 8.3% | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 14.5% | 11.5% | 12.2% | 6.6% | 18.9% | 14.5% | 8.0% | 12.7% | 12.2% | 9.7% | 7.6% |
| FCF Yield | 100.0% | 75.9% | 77.0% | 98.5% | 78.5% | 29.8% | 50.1% | 44.6% | 48.0% | 33.6% | 27.9% |
| Buyback Yield | 8.5% | 6.2% | 1.0% | 1.2% | 7.6% | 11.0% | 3.6% | 7.1% | 0.0% | 0.0% | 7.9% |
| Total Shareholder Yield | 12.2% | 9.2% | 4.6% | 6.2% | 11.8% | 12.6% | 4.3% | 7.1% | 0.0% | 0.0% | 7.9% |
| Shares Outstanding | — | $10M | $10M | $10M | $10M | $11M | $11M | $12M | $12M | $12M | $12M |
Includes 30+ ratios · 16 years · Updated daily
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Quick answers to the most common questions about buying RM stock.
Regional Management Corp.'s current P/E ratio is 6.9x. The historical average is 10.1x. This places it at the 14th percentile of its historical range.
Regional Management Corp.'s current EV/EBITDA is 20.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 20.4x.
Regional Management Corp.'s return on equity (ROE) is 12.2%. The historical average is 16.4%.
Based on historical data, Regional Management Corp. is trading at a P/E of 6.9x. This is at the 14th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Regional Management Corp.'s current dividend yield is 3.77% with a payout ratio of 25.9%.
Regional Management Corp. has 52.3% gross margin and 12.4% operating margin. Operating margin between 10-20% is typical for established companies.
Regional Management Corp.'s Debt/EBITDA ratio is 18.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.
Key Metrics
Top Statement Risk
Credit cycle and funding
Metrics are mathematically derived from official filings.
Discounted Valuation Reflects Cyclical Sensitivity
As reported in recent market data, RM trades at a forward P/E of 7.34, which suggests that investors are pricing in significant credit risk compared to the broader financial services sector and the company's own historical valuation multiples observed over the past ten quarters.
The current P/E ratio of 9.22 TTM indicates a market skepticism regarding the sustainability of earnings in a high-interest-rate environment. This valuation appears to imply that the market is discounting the firm's ability to maintain its net interest margin, warranting further investigation into whether the current PEG ratio of 0.70 signals an undervalued growth opportunity or a value trap.
Capital Efficiency Constrained by Leverage
Based on the provided financial data, RM's ROIC has remained consistently low, hovering between 0.4% and 1.4% over the last ten quarters, which suggests that the company is struggling to generate meaningful returns on its invested capital despite its aggressive expansion into new geographic markets.
The persistent gap between ROE and ROIC highlights the heavy reliance on debt financing to drive portfolio growth. Investors should monitor whether management can improve these returns as the company matures in its newer states, or if the current capital structure will continue to dilute shareholder value.
Debt-Heavy Structure Limits Financial Flexibility
According to recent quarterly filings, RM maintains a debt-to-equity ratio of 4.42, which indicates a highly leveraged balance sheet that may leave the company vulnerable to shifts in credit market liquidity or rising interest expenses on its variable-rate debt obligations.
The interest coverage ratio, which dipped to 1.65 in 2026Q1, suggests that the margin for error in servicing debt is narrowing. This leverage profile warrants close monitoring, as any sustained increase in credit losses could rapidly erode the company's ability to meet its debt service requirements.
Working Capital Efficiency Remains Stagnant
As indicated by the reported asset turnover ratio of 0.08, RM's ability to generate revenue from its asset base has remained flat over the last ten quarters, suggesting that the company's physical branch-based model is not scaling efficiently with its recent portfolio expansion efforts.
The high DSO figures, consistently near 990 days, reflect the long-term nature of installment loans rather than operational inefficiency in collections. However, the lack of improvement in asset turnover suggests that the company may be reaching a point of diminishing returns on its current branch footprint.
Misapplication of P/B Ratio Metrics
Based on industry standards, the price-to-book ratio is frequently misapplied to RM, as it fails to account for the significant volatility in credit loss provisions under CECL accounting, which can artificially depress the book value of the company's loan portfolio during periods of economic stress.
Investors should instead focus on the tangible book value and the quality of the underlying loan receivables, as the P/B ratio obscures the true economic value of the portfolio. Relying on P/B alone may lead to an incorrect assessment of the company's intrinsic value during credit cycles.