Regional Management Corp. (RM) Financial Ratios
16 years of historical data (2010–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↑
21.56
↓-18% vs avg
5yr avg: 26.26
30Y Low11.6·High47.1
P/FCF
↓
1.15
↓-30% vs avg
5yr avg: 1.64
30Y Low1.0·High6.4
P/B Ratio
↓
0.99
↓-14% vs avg
5yr avg: 1.16
30Y Low0.4·High2.7
ROE
↓
12.2%
↑-23% vs avg
5yr avg: 15.7%
30Y Low4%·High39%
Debt/EBITDA
↑
18.83
↓-13% vs avg
5yr avg: 21.65
30Y Low6.7·High40.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RM Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Regional Management Corp. trades at 8.4x earnings, 5% below its 5-year average of 8.8x, sitting at the 43rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 38%. On a free-cash-flow basis, the stock trades at 1.1x P/FCF, 30% below the 5-year average of 1.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $350M | $385M | $343M | $241M | $271M | $612M | $333M | $354M | $290M | $310M | $318M |
| Enterprise Value | $2.0B | $2.0B | $1.9B | $1.7B | $1.6B | $1.7B | $1.1B | $1.2B | $938M | $871M | $803M |
| P/E Ratio → | 8.36 | 8.71 | 8.21 | 15.11 | 5.30 | 6.90 | 12.44 | 7.90 | 8.21 | 10.36 | 13.21 |
| P/S Ratio | 0.54 | 0.60 | 0.58 | 0.44 | 0.53 | 1.43 | 0.89 | 0.99 | 0.95 | 1.14 | 1.32 |
| P/B Ratio | 0.99 | 1.03 | 0.96 | 0.75 | 0.88 | 2.16 | 1.22 | 1.17 | 1.04 | 0.40 | 0.46 |
| P/FCF | 1.15 | 1.26 | 1.30 | 1.01 | 1.27 | 3.36 | 2.00 | 2.24 | 2.08 | 2.97 | 3.59 |
| P/OCF | 1.13 | 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
RM EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Regional Management Corp.'s enterprise value stands at 21.6x EBITDA, 18% below its 5-year average of 26.3x. The Financial Services sector median is 11.4x, placing the stock at a 89% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.13 | 3.15 | 3.02 | 3.25 | 4.04 | 2.99 | 3.31 | 3.06 | 3.20 | 3.34 |
| EV / EBITDA | 21.56 | 21.95 | 27.17 | 47.09 | 21.15 | 13.93 | 22.67 | 16.87 | 17.15 | 18.30 | 17.68 |
| EV / EBIT | 24.71 | 25.15 | 34.24 | 80.25 | 25.26 | 15.37 | 31.07 | 19.97 | 20.44 | 21.64 | 20.61 |
| EV / FCF | — | 6.64 | 7.02 | 7.03 | 7.75 | 9.49 | 6.69 | 7.47 | 6.73 | 8.35 | 9.07 |
RM Profitability
Margins and return-on-capital ratios measuring operating efficiency
Regional Management Corp. earns an operating margin of 12.4%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 3.8% to 12.4% over the past 3 years, signaling improving operational efficiency. ROE of 12.2% is modest. ROIC of 3.0% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
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% |
Return on Capital
| 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% |
RM Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Regional Management Corp. carries a Debt/EBITDA ratio of 18.8x, which is highly leveraged (342% above the sector average of 4.3x). Net debt stands at $1.6B ($1.7B total debt minus $98M cash). Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| 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 | — | 5.38 | 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 |
RM Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Regional Management Corp.'s current ratio of 8.39x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.11x to 8.39x over the past 3 years.
| 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 | — | — | — | — | — | — | — | — | — | — | — |
RM Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Regional Management Corp. returns 10.0% to shareholders annually — split between a 3.1% dividend yield and 6.9% buyback yield. The payout ratio of 25.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 12.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | 3.1% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 25.9% | 25.9% | 29.5% | 74.5% | 22.2% | 10.8% | 8.3% | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 12.0% | 11.5% | 12.2% | 6.6% | 18.9% | 14.5% | 8.0% | 12.7% | 12.2% | 9.7% | 7.6% |
| FCF Yield | 87.1% | 79.1% | 77.0% | 98.5% | 78.5% | 29.8% | 50.1% | 44.6% | 48.0% | 33.6% | 27.9% |
| Buyback Yield | 6.9% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 10.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $10M | $10M | $10M | $10M | $11M | $11M | $12M | $12M | $12M | $12M |
Peer Comparison
Compare RM with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RMYou | $350M | 8.4 | 21.6 | 1.1 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 WRLD | $897M | 10.9 | 8.4 | 3.6 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 OMF | $7B | 8.9 | 22.2 | 2.2 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 PRAA | $570M | -1.9 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 SLM | $5B | 6.7 | 6.2 | 7.9 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $760M | -10.0 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 ENVA | $5B | 17.5 | 12.2 | 2.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 FCFS | $10B | 30.6 | 12.8 | 21.4 | 51.7% | 15.4% | 15.3% | 9.2% | 2.8 |
 FICO | $25B | 41.3 | 30.2 | 33.0 | 82.2% | 46.5% | — | 59.7% | 3.3 |
 EFX | $19B | 28.9 | 12.9 | 16.4 | 44.6% | 18.0% | 13.7% | 8.5% | 2.8 |
 TRU | $12B | 27.8 | 11.7 | 18.8 | 59.1% | 18.7% | 10.3% | 7.3% | 3.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 16 years · Updated daily
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RM — Frequently Asked Questions
Quick answers to the most common questions about buying RM stock.
What is Regional Management Corp.'s P/E ratio?
Regional Management Corp.'s current P/E ratio is 8.4x. The historical average is 10.1x. This places it at the 43th percentile of its historical range.
What is Regional Management Corp.'s EV/EBITDA?
Regional Management Corp.'s current EV/EBITDA is 21.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 20.4x.
What is Regional Management Corp.'s ROE?
Regional Management Corp.'s return on equity (ROE) is 12.2%. The historical average is 16.4%.
Is RM stock overvalued?
Based on historical data, Regional Management Corp. is trading at a P/E of 8.4x. This is at the 43th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Regional Management Corp.'s dividend yield?
Regional Management Corp.'s current dividend yield is 3.11% with a payout ratio of 25.9%.
What are Regional Management Corp.'s profit margins?
Regional Management Corp. has 52.3% gross margin and 12.4% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Regional Management Corp. have?
Regional Management Corp.'s Debt/EBITDA ratio is 18.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.