REGIONAL MANAGEMENT CORP (RM) Fundamental Analysis & Valuation

NYSE:RM • US75902K1060

Current stock price

36.36 USD
-0.17 (-0.47%)
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.
  • With a Return On Equity value of 11.90%, RM perfoms like the industry average, outperforming 42.59% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 5.41%, RM is doing good in 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 9.87%.
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

  • RM's Profit Margin of 6.88% is on the low side compared to the rest of the industry. RM is outperformed by 66.67% of its industry peers.
  • RM's Profit Margin has been stable in the last couple of years.
  • Looking at the Operating Margin, with a value of 22.09%, RM is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
  • 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.
  • RM has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, RM has less shares outstanding
  • 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

  • Based on the Altman-Z score of 0.88, we must say that RM is in the distress zone and has some risk of bankruptcy.
  • RM's Altman-Z score of 0.88 is in line compared to the rest of the industry. RM outperforms 59.26% of its industry peers.
  • RM has a debt to FCF ratio of 5.62. This is a neutral value as RM would need 5.62 years to pay back of all of its debts.
  • RM has a Debt to FCF ratio of 5.62. This is in the better half of the industry: RM outperforms 72.22% of its industry peers.
  • A Debt/Equity ratio of 4.40 is on the high side and indicates that RM has dependencies on debt 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

  • A Current Ratio of 0.04 indicates that RM may have some problems paying its short term obligations.
  • With a Current ratio value of 0.04, RM is not doing good in the industry: 79.63% of the companies in the same industry are doing better.
  • RM has a Quick 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.
  • The Quick ratio of RM (0.04) is worse than 79.63% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • Looking at the last year, RM shows a quite strong growth in Revenue. The Revenue has grown by 9.70% in the last year.
  • The Revenue has been growing by 11.54% on average over the past years. This is quite good.
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

  • RM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.31% yearly.
  • 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • The Price/Earnings ratio is 8.17, which indicates a very decent valuation of RM.
  • Compared to the rest of the industry, the Price/Earnings ratio of RM is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, RM is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.42 indicates a rather cheap valuation of RM.
  • Based on the Price/Forward Earnings ratio, RM is valued cheaper than 81.48% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.54. RM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.17
Fwd PE 6.42
RM Price Earnings VS Forward Price EarningsRM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 64.81% of the companies in the same industry are more expensive than RM, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, RM is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.17
EV/EBITDA 12.48
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)0.3
PEG (5Y)0.62
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

  • With a Yearly Dividend Yield of 3.83%, RM has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.23, RM pays a bit more dividend than its industry peers.
  • RM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.83%

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.
  • The dividend of RM is growing, but the earnings are growing slower. 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 (4/10/2026, 8:04:00 PM)

36.36

-0.17 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners86.42%
Inst Owner Change0%
Ins Owners8.09%
Ins Owner Change-4.37%
Market Cap341.78M
Revenue(TTM)645.60M
Net Income(TTM)44.41M
Analysts83.33
Price Target51 (40.26%)
Short Float %4.1%
Short Ratio5.87
Dividend
Industry RankSector Rank
Dividend Yield 3.83%
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)-12.36%
EPS NY rev (3m)-10.24%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.82%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 8.17
Fwd PE 6.42
P/S 0.53
P/FCF 1.17
P/OCF 1.11
P/B 0.92
P/tB 1
EV/EBITDA 12.48
EPS(TTM)4.45
EY12.24%
EPS(NY)5.66
Fwd EY15.57%
FCF(TTM)31.06
FCFY85.43%
OCF(TTM)32.88
OCFY90.43%
SpS68.68
BVpS39.69
TBVpS36.31
PEG (NY)0.3
PEG (5Y)0.62
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 8.17 and the Price/Book (PB) ratio is 0.92.


Can you provide the financial health for RM stock?

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