Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.13 | 4.69 | 12.12 | 6.83 | 7.45 | 6.86 | 7.09 | 10.75 | 8.67 | 11.05 | 8.35 | 3.88 | — | 7.60 | 12.10 | 7.25 | 28.08 | 6.61 | 7.53 | 4.55 | 7.04 |
| — | -31.6% | +70.9% | -36.5% | -14.0% | -37.9% | -15.1% | +177.2% | — | +45.3% | -31.0% | -46.5% | — | +15.0% | +60.6% | +59.4% | +298.8% | -4.1% | +21.1% | +21.2% | +20.7% | |
| P/S Ratio | 0.56 | 0.46 | 0.68 | 0.54 | 0.65 | 0.69 | 0.52 | 0.57 | 0.63 | 0.65 | 0.57 | 0.47 | 0.48 | 0.54 | 0.62 | 0.53 | 0.56 | 0.56 | 0.78 | 1.01 | 1.31 |
| — | -33.5% | +30.0% | -4.8% | +3.1% | +5.8% | -7.3% | +21.8% | +33.2% | +20.6% | -9.0% | -12.1% | -15.5% | -3.5% | -20.6% | -47.4% | -56.8% | -62.6% | -42.7% | -4.9% | +37.5% | |
| P/B Ratio | 0.96 | 0.74 | 1.05 | 0.83 | 1.03 | 1.06 | 0.79 | 0.84 | 0.96 | 0.94 | 0.82 | 0.70 | 0.73 | 0.81 | 0.91 | 0.79 | 0.86 | 0.87 | 1.21 | 1.63 | 2.07 |
| — | -30.1% | +32.0% | -1.7% | +7.4% | +13.5% | -3.6% | +20.3% | +30.7% | +15.7% | -9.4% | -11.5% | -14.2% | -6.7% | -25.0% | -51.4% | -58.6% | -60.8% | -32.8% | +20.5% | +67.9% | |
| P/FCF | 1.05 | 0.87 | 1.20 | 1.01 | 1.27 | 1.19 | 0.96 | 1.21 | 1.44 | 1.12 | 1.01 | 1.08 | 0.92 | 1.03 | 1.24 | 1.23 | 1.16 | 1.27 | 1.48 | 2.76 | 2.90 |
| — | -27.5% | +24.5% | -16.1% | -11.4% | +6.9% | -4.4% | +12.5% | +55.5% | +8.3% | -18.4% | -12.6% | -20.6% | -18.9% | -16.2% | -55.5% | -60.0% | -62.1% | -43.0% | -2.5% | +59.6% | |
| EV / EBITDA | 11.37 | 10.55 | 13.71 | 10.99 | 11.68 | 21.64 | 26.33 | 35.46 | 28.29 | 31.93 | 28.92 | 17.31 | — | 28.78 | 36.39 | 25.54 | 86.07 | 23.48 | 20.87 | 10.62 | 14.91 |
| — | -51.3% | -47.9% | -69.0% | -58.7% | -32.2% | -8.9% | +104.9% | — | +10.9% | -20.5% | -32.2% | — | +22.6% | +74.3% | +140.6% | +477.2% | +85.4% | +68.3% | +34.0% | +20.4% | |
| EV / EBIT | 24.51 | 11.76 | 15.69 | 12.38 | 13.04 | 26.46 | 33.93 | 49.41 | 36.29 | 43.18 | 37.63 | 20.35 | — | 38.17 | 53.01 | 34.52 | 333.39 | 28.60 | 24.84 | 11.60 | 16.79 |
| — | -55.5% | -53.8% | -75.0% | -64.1% | -38.7% | -9.8% | +142.8% | — | +13.1% | -29.0% | -41.1% | — | +33.5% | +113.4% | +197.5% | +1886.1% | +105.2% | +80.8% | +34.7% | +12.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 60.3% | 109.1% | 112.5% | 109.3% | 70.2% | 57.9% | 55.8% | 56.5% | 57.3% | 57.2% | 57.0% | 63.4% | 44.5% | 58.9% | 55.2% | 59.8% | 48.1% | 59.8% | 60.6% | 74.5% | 72.3% |
| — | +88.5% | +101.7% | +93.5% | +22.5% | +1.2% | -2.2% | -10.9% | +28.8% | -2.9% | +3.3% | +6.0% | -7.5% | -1.5% | -9.0% | -19.7% | -33.4% | -19.8% | -21.9% | -14.8% | +0.4% | |
| Operating Margin | 14.3% | 28.4% | 23.1% | 26.2% | 26.3% | 13.2% | 9.8% | 6.9% | 9.4% | 8.0% | 9.0% | 15.7% | -7.7% | 8.8% | 6.7% | 9.8% | 1.1% | 11.2% | 13.7% | 28.9% | 22.7% |
| — | +115.2% | +135.1% | +280.3% | +178.9% | +65.2% | +9.8% | -56.2% | +223.0% | -9.0% | +34.6% | +60.6% | -830.2% | -21.3% | -51.3% | -66.1% | -95.4% | -60.2% | -49.6% | -21.6% | +6.9% | |
| Net Margin | 7.9% | 9.8% | 5.6% | 7.9% | 8.8% | 10.0% | 7.4% | 5.3% | 7.3% | 6.0% | 6.7% | 12.0% | -6.1% | 7.1% | 5.1% | 7.3% | 2.0% | 8.4% | 10.4% | 22.2% | 18.6% |
| — | -2.3% | -24.0% | +50.1% | +19.6% | +65.8% | +9.7% | -56.1% | +220.4% | -15.2% | +31.4% | +63.7% | -398.9% | -15.5% | -50.6% | -66.9% | -89.0% | -61.1% | -52.7% | -21.4% | +14.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 4.0% | 2.2% | 3.0% | 3.5% | 3.9% | 2.8% | 2.0% | 2.8% | 2.2% | 2.5% | 4.6% | -2.3% | 2.7% | 1.9% | 2.8% | 0.8% | 3.3% | 4.0% | 9.2% | 7.4% |
| — | +1.8% | -23.1% | +55.3% | +24.1% | +77.9% | +13.5% | -57.5% | +220.4% | -18.8% | +31.3% | +66.1% | -399.4% | -18.4% | -53.0% | -69.8% | -89.6% | -58.5% | -44.0% | +0.3% | +40.8% | |
| ROA | 2.2% | 0.7% | 0.4% | 0.5% | 0.6% | 0.7% | 0.5% | 0.4% | 0.5% | 0.4% | 0.5% | 0.9% | -0.4% | 0.5% | 0.4% | 0.5% | 0.1% | 0.6% | 0.8% | 1.8% | 1.5% |
| — | -3.1% | -26.0% | +45.6% | +15.3% | +69.3% | +10.1% | -57.0% | +224.9% | -16.1% | +35.4% | +68.8% | -396.5% | -20.8% | -55.3% | -72.0% | -90.4% | -64.0% | -55.3% | -21.9% | +11.8% | |
| ROIC | 3.0% | 1.5% | 1.2% | 1.4% | 1.4% | 0.7% | 0.5% | 0.4% | 0.5% | 0.4% | 0.5% | 0.9% | -0.4% | 0.5% | 0.3% | 0.5% | 0.1% | 0.6% | 0.8% | 1.8% | 1.4% |
| — | +111.6% | +127.7% | +272.0% | +170.9% | +69.4% | +10.7% | -57.2% | +227.8% | -9.6% | +39.1% | +66.1% | -824.0% | -26.6% | -56.5% | -71.8% | -96.0% | -63.5% | -52.8% | -22.4% | +3.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.65 | 4.70 | 4.54 | 4.42 | 4.65 | 4.35 | 4.26 | 4.23 | 4.24 | 4.05 | 4.09 | 4.13 | 4.44 | 4.25 | 4.28 | 4.29 | 4.48 | 4.10 | 4.07 | 3.86 | 3.99 |
| — | +8.2% | +6.5% | +4.5% | +9.7% | +7.3% | +4.3% | +2.3% | -4.7% | -4.6% | -4.4% | -3.6% | -0.8% | +3.7% | +5.1% | +11.2% | +12.3% | +13.7% | +29.9% | +41.4% | +37.1% | |
| Debt / EBITDA | 17.95 | 36.58 | 44.70 | 39.05 | 40.08 | 69.72 | 89.02 | 118.51 | 92.44 | 104.07 | 96.55 | 59.35 | — | 97.16 | 120.84 | 86.61 | 289.72 | 77.69 | 64.68 | 30.18 | 39.52 |
| — | -47.5% | -49.8% | -67.1% | -56.6% | -33.0% | -7.8% | +99.7% | — | +7.1% | -20.1% | -31.5% | — | +25.1% | +86.8% | +187.0% | +633.1% | +146.2% | +104.4% | +41.5% | +12.7% | |
| Current Ratio | 8.39 | — | 64.04 | 6.52 | 8.39 | 0.01 | 0.49 | 0.90 | 0.05 | 0.42 | 49.53 | 54.90 | 0.11 | 53.73 | 59.19 | 60.55 | 0.16 | 43.67 | 42.38 | 0.14 | 0.09 |
| — | — | +12910.6% | +624.7% | +15535.4% | -97.4% | -99.0% | -98.4% | -51.5% | -99.2% | -16.3% | -9.3% | -31.8% | +23.0% | +39.6% | +43184.9% | +77.8% | +115472.1% | +155061.2% | +268.3% | +46.9% | |
| Quick Ratio | 8.39 | — | 64.04 | 6.52 | 8.39 | 0.01 | 0.49 | 0.90 | 0.05 | 0.42 | 49.53 | 54.90 | 0.11 | 53.73 | 59.19 | 60.55 | 0.16 | 43.67 | 42.38 | 0.14 | 0.09 |
| — | — | +12910.6% | +624.7% | +15535.4% | -97.4% | -99.0% | -98.4% | -51.5% | -99.2% | -16.3% | -9.3% | -31.8% | +23.0% | +39.6% | +43184.9% | +77.8% | +115472.1% | +155061.2% | +268.3% | +46.9% | |
| Interest Coverage | 0.95 | 1.82 | 1.46 | 1.65 | 1.71 | 0.86 | 0.66 | 0.46 | 0.64 | 0.53 | 0.63 | 1.14 | -0.54 | 0.64 | 0.48 | 0.69 | 0.08 | 1.13 | 2.09 | 592.36 | 3.34 |
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Includes 30+ ratios · 48 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 is 7.1x. The average P/E over the last 4 quarters is 7.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Regional Management Corp.'s current operating margin is 14.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Regional Management Corp.'s business trajectory between earnings reports.