REGIONAL MANAGEMENT CORP (RM) Fundamental Analysis & Valuation

NYSE:RM • US75902K1060

Current stock price

37.17 USD
+0.81 (+2.23%)
Last:

This RM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RM Profitability Analysis

1.1 Basic Checks

  • RM had positive earnings in the past year.
  • In the past year RM had a positive cash flow from operations.
  • RM had positive earnings in each of the past 5 years.
  • RM had a positive operating cash flow in each of the past 5 years.
RM Yearly Net Income VS EBIT VS OCF VS FCFRM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

1.2 Ratios

  • RM has a Return On Assets (2.11%) which is in line with its industry peers.
  • RM's Return On Equity of 11.90% is in line compared to the rest of the industry. RM outperforms 42.59% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.41%, RM is in the better half of the industry, outperforming 61.11% of the companies in the same industry.
  • RM had an Average Return On Invested Capital over the past 3 years of 6.20%. This is below the industry average of 9.60%.
Industry RankSector Rank
ROA 2.11%
ROE 11.9%
ROIC 5.41%
ROA(3y)1.72%
ROA(5y)2.84%
ROE(3y)9.47%
ROE(5y)15.27%
ROIC(3y)6.2%
ROIC(5y)5.87%
RM Yearly ROA, ROE, ROICRM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With a Profit Margin value of 6.88%, RM is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
  • RM's Profit Margin has been stable in the last couple of years.
  • RM has a Operating Margin of 22.09%. This is in the better half of the industry: RM outperforms 75.93% of its industry peers.
  • RM's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 22.09%
PM (TTM) 6.88%
GM N/A
OM growth 3Y12.44%
OM growth 5Y-4.54%
PM growth 3Y-12%
PM growth 5Y-0.74%
GM growth 3YN/A
GM growth 5YN/A
RM Yearly Profit, Operating, Gross MarginsRM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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3

2. RM Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), RM is creating some value.
  • The number of shares outstanding for RM has been reduced compared to 1 year ago.
  • RM has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, RM has a worse debt to assets ratio.
RM Yearly Shares OutstandingRM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
RM Yearly Total Debt VS Total AssetsRM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • RM has an Altman-Z score of 0.88. This is a bad value and indicates that RM is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.88, RM is in line with its industry, outperforming 59.26% of the companies in the same industry.
  • The Debt to FCF ratio of RM is 5.62, which is a neutral value as it means it would take RM, 5.62 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 5.62, RM is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • RM has a Debt/Equity ratio of 4.40. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of RM (4.40) is worse than 64.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.4
Debt/FCF 5.62
Altman-Z 0.88
ROIC/WACC0.9
WACC6.02%
RM Yearly LT Debt VS Equity VS FCFRM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

2.3 Liquidity

  • RM has a Current Ratio of 0.04. This is a bad value and indicates that RM is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RM's Current ratio of 0.04 is on the low side compared to the rest of the industry. RM is outperformed by 79.63% of its industry peers.
  • A Quick Ratio of 0.04 indicates that RM may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.04, RM is doing worse than 79.63% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
RM Yearly Current Assets VS Current LiabilitesRM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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6

3. RM Growth Analysis

3.1 Past

  • RM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.97%.
  • The Earnings Per Share has been growing by 13.24% on average over the past years. This is quite good.
  • The Revenue has grown by 9.70% in the past year. This is quite good.
  • RM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.54% yearly.
EPS 1Y (TTM)6.97%
EPS 3Y-5.18%
EPS 5Y13.24%
EPS Q2Q%32.65%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y8.37%
Revenue growth 5Y11.54%
Sales Q2Q%9.6%

3.2 Future

  • The Earnings Per Share is expected to grow by 23.31% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 5.25% on average over the next years.
EPS Next Y27.26%
EPS Next 2Y31.9%
EPS Next 3Y23.31%
EPS Next 5YN/A
Revenue Next Year6.32%
Revenue Next 2Y7.55%
Revenue Next 3Y5.25%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RM Yearly Revenue VS EstimatesRM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
RM Yearly EPS VS EstimatesRM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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8

4. RM Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.35, the valuation of RM can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as RM.
  • The average S&P500 Price/Earnings ratio is at 26.86. RM is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 6.56, which indicates a rather cheap valuation of RM.
  • 79.63% of the companies in the same industry are more expensive than RM, based on the Price/Forward Earnings ratio.
  • RM is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.39, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.35
Fwd PE 6.56
RM Price Earnings VS Forward Price EarningsRM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • RM's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. RM is cheaper than 66.67% of the companies in the same industry.
  • RM's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RM is cheaper than 88.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.2
EV/EBITDA 12.47
RM Per share dataRM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • RM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as RM's earnings are expected to grow with 23.31% in the coming years.
PEG (NY)0.31
PEG (5Y)0.63
EPS Next 2Y31.9%
EPS Next 3Y23.31%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. RM Dividend Analysis

5.1 Amount

  • RM has a Yearly Dividend Yield of 3.28%. Purely for dividend investing, there may be better candidates out there.
  • RM's Dividend Yield is a higher than the industry average which is at 3.23.
  • RM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.28%

5.2 History

  • On average, the dividend of RM grows each year by 42.35%, which is quite nice.
  • RM has been paying a dividend for over 5 years, so it has already some track record.
  • RM has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)42.35%
Div Incr Years0
Div Non Decr Years5
RM Yearly Dividends per shareRM Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • RM pays out 25.86% of its income as dividend. This is a sustainable payout ratio.
  • RM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.86%
EPS Next 2Y31.9%
EPS Next 3Y23.31%
RM Yearly Income VS Free CF VS DividendRM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
RM Dividend Payout.RM Dividend Payout, showing the Payout Ratio.RM Dividend Payout.PayoutRetained Earnings

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RM Fundamentals: All Metrics, Ratios and Statistics

REGIONAL MANAGEMENT CORP

NYSE:RM (4/13/2026, 1:13:38 PM)

37.17

+0.81 (+2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners86.55%
Inst Owner Change0.01%
Ins Owners8.13%
Ins Owner Change-4.37%
Market Cap349.40M
Revenue(TTM)645.60M
Net Income(TTM)44.41M
Analysts83.33
Price Target51 (37.21%)
Short Float %4.1%
Short Ratio5.87
Dividend
Industry RankSector Rank
Dividend Yield 3.28%
Yearly Dividend1.17
Dividend Growth(5Y)42.35%
DP25.86%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-19
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.72%
Min EPS beat(2)-3.73%
Max EPS beat(2)-1.72%
EPS beat(4)1
Avg EPS beat(4)6.29%
Min EPS beat(4)-7.33%
Max EPS beat(4)37.93%
EPS beat(8)4
Avg EPS beat(8)15.35%
EPS beat(12)8
Avg EPS beat(12)19.43%
EPS beat(16)11
Avg EPS beat(16)14.96%
Revenue beat(2)2
Avg Revenue beat(2)2.14%
Min Revenue beat(2)2.02%
Max Revenue beat(2)2.25%
Revenue beat(4)3
Avg Revenue beat(4)0.83%
Min Revenue beat(4)-1.69%
Max Revenue beat(4)2.25%
Revenue beat(8)5
Avg Revenue beat(8)0.19%
Revenue beat(12)5
Avg Revenue beat(12)-0.65%
Revenue beat(16)7
Avg Revenue beat(16)-0.67%
PT rev (1m)0%
PT rev (3m)7.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-36.13%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.24%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.82%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 8.35
Fwd PE 6.56
P/S 0.54
P/FCF 1.2
P/OCF 1.13
P/B 0.94
P/tB 1.02
EV/EBITDA 12.47
EPS(TTM)4.45
EY11.97%
EPS(NY)5.66
Fwd EY15.24%
FCF(TTM)31.06
FCFY83.57%
OCF(TTM)32.88
OCFY88.46%
SpS68.68
BVpS39.69
TBVpS36.31
PEG (NY)0.31
PEG (5Y)0.63
Graham Number63.04
Profitability
Industry RankSector Rank
ROA 2.11%
ROE 11.9%
ROCE 7.06%
ROIC 5.41%
ROICexc 5.42%
ROICexgc 5.58%
OM 22.09%
PM (TTM) 6.88%
GM N/A
FCFM 45.23%
ROA(3y)1.72%
ROA(5y)2.84%
ROE(3y)9.47%
ROE(5y)15.27%
ROIC(3y)6.2%
ROIC(5y)5.87%
ROICexc(3y)6.22%
ROICexc(5y)5.89%
ROICexgc(3y)6.38%
ROICexgc(5y)6.02%
ROCE(3y)8.1%
ROCE(5y)7.66%
ROICexgc growth 3Y18.99%
ROICexgc growth 5Y-4.62%
ROICexc growth 3Y18.58%
ROICexc growth 5Y-4.75%
OM growth 3Y12.44%
OM growth 5Y-4.54%
PM growth 3Y-12%
PM growth 5Y-0.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 4.4
Debt/FCF 5.62
Debt/EBITDA 10.34
Cap/Depr 105.12%
Cap/Sales 2.65%
Interest Coverage 1.82
Cash Conversion 194.58%
Profit Quality 657.46%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z 0.88
F-Score5
WACC6.02%
ROIC/WACC0.9
Cap/Depr(3y)103.74%
Cap/Depr(5y)91.99%
Cap/Sales(3y)2.6%
Cap/Sales(5y)2.33%
Profit Quality(3y)917.78%
Profit Quality(5y)674.89%
High Growth Momentum
Growth
EPS 1Y (TTM)6.97%
EPS 3Y-5.18%
EPS 5Y13.24%
EPS Q2Q%32.65%
EPS Next Y27.26%
EPS Next 2Y31.9%
EPS Next 3Y23.31%
EPS Next 5YN/A
Revenue 1Y (TTM)9.7%
Revenue growth 3Y8.37%
Revenue growth 5Y11.54%
Sales Q2Q%9.6%
Revenue Next Year6.32%
Revenue Next 2Y7.55%
Revenue Next 3Y5.25%
Revenue Next 5YN/A
EBIT growth 1Y10.88%
EBIT growth 3Y21.86%
EBIT growth 5Y6.47%
EBIT Next Year18.39%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.08%
FCF growth 3Y11.1%
FCF growth 5Y12.84%
OCF growth 1Y14.93%
OCF growth 3Y11.28%
OCF growth 5Y13.37%

REGIONAL MANAGEMENT CORP / RM Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for REGIONAL MANAGEMENT CORP?

ChartMill assigns a fundamental rating of 5 / 10 to RM.


What is the valuation status for RM stock?

ChartMill assigns a valuation rating of 8 / 10 to REGIONAL MANAGEMENT CORP (RM). This can be considered as Undervalued.


What is the profitability of RM stock?

REGIONAL MANAGEMENT CORP (RM) has a profitability rating of 4 / 10.


What is the valuation of REGIONAL MANAGEMENT CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for REGIONAL MANAGEMENT CORP (RM) is 8.35 and the Price/Book (PB) ratio is 0.94.


Can you provide the financial health for RM stock?

The financial health rating of REGIONAL MANAGEMENT CORP (RM) is 3 / 10.