Last 48 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Regional Management Corp.'s quarterly P/E stands at 6.8x, down 36.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 65.1% YoY to 12.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.36 | 6.83 | 7.45 | 6.86 | 7.09 | 10.75 | 8.67 | 11.05 | 8.35 | 3.88 | — | 7.60 | 12.10 |
| — | -36.5% | -14.0% | -37.9% | -15.1% | +177.2% | — | +45.3% | -31.0% | -46.5% | — | +15.0% | +60.6% | |
| P/S Ratio | 0.54 | 0.47 | 0.57 | 0.60 | 0.46 | 0.49 | 0.55 | 0.56 | 0.50 | 0.41 | 0.42 | 0.47 | 0.55 |
| — | -5.6% | +2.4% | +5.8% | -7.9% | +20.7% | +32.5% | +18.9% | -9.3% | -11.8% | -16.5% | -6.7% | -25.7% | |
| P/B Ratio | 0.99 | 0.83 | 1.03 | 1.06 | 0.79 | 0.84 | 0.96 | 0.94 | 0.82 | 0.70 | 0.73 | 0.81 | 0.91 |
| — | -1.7% | +7.4% | +13.5% | -3.6% | +20.3% | +30.7% | +15.7% | -9.4% | -11.5% | -14.2% | -6.7% | -25.0% | |
| P/FCF | 1.15 | 0.97 | 1.22 | 1.19 | 0.96 | 1.21 | 1.44 | 1.12 | 1.01 | 1.08 | 0.92 | 1.03 | 1.24 |
| — | -19.4% | -14.8% | +6.9% | -4.4% | +12.5% | +55.5% | +8.3% | -18.4% | -12.6% | -20.6% | -18.9% | -16.2% | |
| EV / EBITDA | 21.56 | 12.38 | 13.04 | 21.64 | 26.33 | 35.46 | 28.29 | 31.93 | 28.92 | 17.31 | — | 28.78 | 36.39 |
| — | -65.1% | -53.9% | -32.2% | -8.9% | +104.9% | — | +10.9% | -20.5% | -32.2% | — | +22.6% | +74.3% | |
| EV / EBIT | 24.71 | 12.38 | 13.04 | 26.46 | 33.93 | 49.41 | 36.29 | 43.18 | 37.63 | 20.35 | — | 38.17 | 53.01 |
| — | -75.0% | -64.1% | -38.7% | -9.8% | +142.8% | — | +13.1% | -29.0% | -41.1% | — | +33.5% | +113.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Regional Management Corp.'s operating margin was 22.6% in Q1 2026, down 0.3 pp QoQ and up 16.6 pp YoY. The trailing four-quarter average of 16.4% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 103.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.3% | 100.0% | 60.9% | 50.2% | 48.5% | 49.2% | 50.0% | 49.6% | 49.9% | 55.7% | 39.0% | 51.8% | 48.5% |
| — | +103.4% | +21.7% | +1.1% | -2.7% | -11.7% | +28.1% | -4.2% | +2.9% | +6.3% | -8.6% | -4.8% | -14.8% | |
| Operating Margin | 12.4% | 22.6% | 22.8% | 11.5% | 8.6% | 6.0% | 8.2% | 6.9% | 7.8% | 13.8% | -6.7% | 7.7% | 5.9% |
| — | +276.9% | +177.1% | +65.1% | +9.2% | -56.6% | +222.4% | -10.2% | +34.1% | +61.1% | -821.0% | -23.9% | -54.4% | |
| Net Margin | 6.9% | 6.8% | 7.6% | 8.7% | 6.4% | 4.6% | 6.4% | 5.2% | 5.9% | 10.5% | -5.3% | 6.3% | 4.5% |
| — | +48.8% | +18.8% | +65.7% | +9.1% | -56.5% | +219.8% | -16.4% | +30.9% | +64.2% | -395.2% | -18.3% | -53.7% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 3.0% | 3.5% | 3.9% | 2.8% | 2.0% | 2.8% | 2.2% | 2.5% | 4.6% | -2.3% | 2.7% | 1.9% |
| — | +55.3% | +24.1% | +77.9% | +13.5% | -57.5% | +220.4% | -18.8% | +31.3% | +66.1% | -399.4% | -18.4% | -53.0% | |
| ROA | 2.2% | 0.5% | 0.6% | 0.7% | 0.5% | 0.4% | 0.5% | 0.4% | 0.5% | 0.9% | -0.4% | 0.5% | 0.4% |
| — | +45.6% | +15.3% | +69.3% | +10.1% | -57.0% | +224.9% | -16.1% | +35.4% | +68.8% | -396.5% | -20.8% | -55.3% | |
| ROIC | 3.0% | 1.4% | 1.4% | 0.7% | 0.5% | 0.4% | 0.5% | 0.4% | 0.5% | 0.9% | -0.4% | 0.5% | 0.3% |
| — | +272.0% | +170.9% | +69.4% | +10.7% | -57.2% | +227.8% | -9.6% | +39.1% | +66.1% | -824.0% | -26.6% | -56.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Regional Management Corp.'s Debt/EBITDA ratio is 44.0x — elevated, raising questions about debt serviceability.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.65 | 4.42 | 4.65 | 4.35 | 4.26 | 4.23 | 4.24 | 4.05 | 4.09 | 4.13 | 4.44 | 4.25 | 4.28 |
| — | +4.5% | +9.7% | +7.3% | +4.3% | +2.3% | -4.7% | -4.6% | -4.4% | -3.6% | -0.8% | +3.7% | +5.1% | |
| Debt / EBITDA | 18.83 | 43.98 | 44.76 | 69.72 | 89.02 | 118.51 | 92.44 | 104.07 | 96.55 | 59.35 | — | 97.16 | 120.84 |
| — | -62.9% | -51.6% | -33.0% | -7.8% | +99.7% | — | +7.1% | -20.1% | -31.5% | — | +25.1% | +86.8% | |
| Current Ratio | 8.39 | — | 8.39 | 0.01 | 0.49 | 0.03 | 0.05 | 0.02 | 49.53 | 54.90 | 0.11 | 53.73 | 59.19 |
| — | — | +15535.4% | -43.6% | -99.0% | -99.9% | -51.5% | -100.0% | -16.3% | -9.3% | -31.8% | +23.0% | +39.6% | |
| Quick Ratio | 8.39 | — | 8.39 | 0.01 | 0.49 | 0.03 | 0.05 | 0.02 | 49.53 | 54.90 | 0.11 | 53.73 | 59.19 |
| — | — | +15535.4% | -43.6% | -99.0% | -99.9% | -51.5% | -100.0% | -16.3% | -9.3% | -31.8% | +23.0% | +39.6% | |
| Interest Coverage | 0.95 | 1.65 | 1.71 | 0.86 | 0.66 | 0.46 | 0.64 | 0.53 | 0.63 | 1.14 | -0.54 | 0.64 | 0.48 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
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 8.4x. The average P/E over the last 4 quarters is 7.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Regional Management Corp.'s current operating margin is 12.4%. 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.