RM logo

REGIONAL MANAGEMENT CORP

RMNYSE
πŸ† #3451 by market capEarnings Nov 4US Equity
$30.61β–² $0.04 (+0.13%)
Market closed Β· at close
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24hβ–² 0.1%
7dβ–Ό 0.3%
14dβ–Ό 4.7%
30dβ–Ό 4.7%
ytdβ–Ό 22.6%
1yβ–Ό 21.1%
🏦Market Cap
$282M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+9.7%
Slowing
πŸ“ŠGross Margin
75.7%
High
πŸ’΅FCF Margin
47.4%
Strong
βš–οΈP/S Ratio
0.4x
Cheap
Otter Score
92
Very Good

Trading Snapshot

Day Range
$30.24 – $30.97
52-Week Range
$30.12 – $44.30
Volume
$1.92B
Avg Volume
$1.84B
Shares Outstanding
9.2M
Next Earnings
Oct 23, 2026

Fundamentals Snapshot

Annual Revenue
$646M
Last Q Revenue
$168M
P/E Ratio
6.1
P/S Ratio
0.4x
EPS (TTM)
$5.21
Dividend Yield
3.93%
Dilution (1yr)
βˆ’1.6%

Why Investors Own RM

  • βœ“High-growth profile β€” revenue up +50.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 75% gross margin and 29% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

RM logo

REGIONAL MANAGEMENT CORP

RM
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$646Mβ–² +9.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
52.3%β–² +2.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$80Mβ–² +48.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$292Mβ–² +10.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
9.9Mβ–Ό βˆ’1.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$1.6Bβ–Ό βˆ’$127M YoY
StockOtter Β· stockotter.space

About REGIONAL MANAGEMENT CORP

Regional Management Corp. (RMC) functions as a broad-based financial services provider, concentrating on offering consumer installment loans. Its primary focus is on serving individuals across the United States who face challenges in securing credit through conventional channels such as banks, savings institutions, and credit card companies. RMC's product portfolio includes a range of personal installment loans, varying in size, along with retail financing options designed to help customers acquire items like furniture and appliances. In addition to its lending activities, the company furnishes a variety of insurance products, which include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment coverage, as well as collateral protection and reinsurance services. The company leverages multiple avenues to originate its loans, including its network of physical branches, centrally managed direct marketing campaigns, collaborations with digital partners, retail alliances, and its dedicated consumer-facing website. As of February 24, 2022, RMC operated a substantial branch network comprising approximately 350 locations situated across 14 states. Founded in 1987, Regional Management Corp. maintains its corporate headquarters in Greer, South Carolina.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
92/100

Analyst Ratings

β“˜
Consensus
Buy
12 analysts
Strong Buy5
Buy5
Hold2
Sell0
Strong Sell0
Ratings as of Sep 2026

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