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Company Analysis

Regional Management Corp. RM

A comprehensive view of key metrics, scores, and financial health for Regional Management Corp.

Overview of Regional Management Corp.

RM NYQ
Financial Services Credit Services Small Cap
Regional Management Corp. (RM), is a Small Cap company, in the Credit Services industry, last closed at $30.88, about 25.4% undervalued vs fair value, +3.8% 1Y return, ranked 420/1004 in sector.
$30.88
-1.87%
As of March 13, 2026
Previous close • Vol 90d: 48.5%
52-Week Range
Market Cap
$303.00M
Enterprise Value
$1.94B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.regionalmanagement...
HQ Greer, SC
Employees 2,112
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$21
$39
$73
Current: $30.88 +25% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$84.8M
-84%%
Interest Expense
$84.8M
Net Interest Income
$454.4M
7.6%%
Total Revenue
$645.6M
25.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.5%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$15.7M
38.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Regional Management Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
46
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing RM's balance between Growth (36.2%), Profitability (26.3%), and Safety (37.5%). Growth 36% Safety 38% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

57th percentile vs peers
57
Key Signals
Rev Growth YoY 25.6% 64p EPS Growth YoY 1.49 91p Revenue CAGR 3Y 10.9% 64p EPS CAGR 3Y -20.8% 15p TSR -37.8% 12p
Strengths
  • Eps Growth Yoy in top 20% of peers (1.49, 91th percentile)
  • D/E Ratio in top 20% of peers (4.65, 80th percentile)
  • Current Ratio in top 20% of peers (8.33, 83th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (4.71, 91th percentile)
  • Strong liquidity position vs peers
Risks

No significant risks identified for this axis.

Profitability

41th percentile vs peers
41
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
59
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Regional Management Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$38.73
- - -
+25.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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