REGIONAL MANAGEMENT CORP (RM) Fundamental Analysis & Valuation

NYSE:RM • US75902K1060

Current stock price

34.94 USD
-2.41 (-6.45%)
At close:
34.94 USD
0 (0%)
After Hours:

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.
  • Each year in the past 5 years RM has been profitable.
  • In the past 5 years RM always reported a positive cash flow from operatings.
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 comparable to the rest of the industry.
  • The Return On Equity of RM (11.90%) is comparable to the rest of the industry.
  • 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for RM is below the industry average of 9.54%.
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 has a worse Profit Margin (6.88%) than 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 75.93% 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

  • RM has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, RM has less shares outstanding
  • 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 0.87, we must say that RM is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.87, RM perfoms like the industry average, 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.
  • RM's Debt to FCF ratio of 5.62 is fine compared to the rest of the industry. RM outperforms 70.37% of its industry peers.
  • RM has a Debt/Equity ratio of 4.40. This is a high value indicating a heavy dependency on external financing.
  • RM has a Debt to Equity ratio of 4.40. This is in the lower half of the industry: RM underperforms 64.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.4
Debt/FCF 5.62
Altman-Z 0.87
ROIC/WACC0.91
WACC5.95%
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.
  • RM has a Current ratio of 0.04. This is in the lower half of the industry: RM underperforms 79.63% of its industry peers.
  • 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.
  • 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. RM Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 49.39% over the past year.
  • Measured over the past years, RM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.24% on average per year.
  • RM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.70%.
  • Measured over the past years, RM shows a quite strong growth in Revenue. The Revenue has been growing by 11.54% on average per year.
EPS 1Y (TTM)49.39%
EPS 3Y-5.18%
EPS 5Y13.24%
EPS Q2Q%68.57%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y8.37%
Revenue growth 5Y11.54%
Sales Q2Q%9.36%

3.2 Future

  • Based on estimates for the next years, RM will show a very strong growth in Earnings Per Share. The EPS will grow by 23.31% on average per year.
  • 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 Year6.47%
Revenue Next 2Y7.71%
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.
  • 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

  • Based on the Price/Earnings ratio of 7.09, the valuation of RM can be described as very cheap.
  • Based on the Price/Earnings ratio, RM is valued a bit cheaper than 66.67% of the companies in the same industry.
  • RM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
  • A Price/Forward Earnings ratio of 4.51 indicates a rather cheap valuation of RM.
  • RM's Price/Forward Earnings ratio is rather cheap when compared to the industry. RM is cheaper than 87.04% of the companies in the same industry.
  • RM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.41.
Industry RankSector Rank
PE 7.09
Fwd PE 4.51
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RM indicates a somewhat cheap valuation: RM is cheaper than 72.22% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RM indicates a rather cheap valuation: RM is cheaper than 88.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.12
EV/EBITDA 12.37
RM Per share dataRM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • RM's earnings are expected to grow with 23.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)0.54
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 3.21%, RM has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.11, RM pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, RM pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.21%

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

  • 25.86% of the earnings are spent on dividend by RM. This is a low number and 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 (5/1/2026, 8:04:00 PM)

After market: 34.94 0 (0%)

34.94

-2.41 (-6.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength54.66
Industry Growth96.89
Earnings (Last)04-29
Earnings (Next)07-28
Inst Owners86.55%
Inst Owner Change-0.11%
Ins Owners8.13%
Ins Owner Change-9.25%
Market Cap325.99M
Revenue(TTM)645.60M
Net Income(TTM)44.41M
Analysts83.33
Price Target51 (45.96%)
Short Float %4.01%
Short Ratio5.65
Dividend
Industry RankSector Rank
Dividend Yield 3.21%
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)-3.47%
EPS NQ rev (3m)-38.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.24%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.88%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-0.57%
Valuation
Industry RankSector Rank
PE 7.09
Fwd PE 4.51
P/S 0.5
P/FCF 1.12
P/OCF 1.05
P/B 0.87
P/tB 0.96
EV/EBITDA 12.37
EPS(TTM)4.93
EY14.11%
EPS(NY)7.74
Fwd EY22.16%
FCF(TTM)31.3
FCFY89.57%
OCF(TTM)33.13
OCFY94.81%
SpS69.2
BVpS39.99
TBVpS36.58
PEG (NY)0.26
PEG (5Y)0.54
Graham Number66.6012 (90.62%)
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 0.87
F-Score5
WACC5.95%
ROIC/WACC0.91
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)49.39%
EPS 3Y-5.18%
EPS 5Y13.24%
EPS Q2Q%68.57%
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%9.36%
Revenue Next Year6.47%
Revenue Next 2Y7.71%
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 7.09 and the Price/Book (PB) ratio is 0.87.


Can you provide the financial health for RM stock?

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