REGIONAL MANAGEMENT CORP (RM) Stock Fundamental Analysis
NYSE:RM • US75902K1060
31.82 USD
-1.41 (-4.24%)
At close: Feb 27, 2026
31.82 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
We assign a fundamental rating of 5 out of 10 to RM. RM was compared to 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of RM while its profitability can be described as average. RM scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
- In the past year RM was profitable.
- 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.
1.2 Ratios
- RM has a Return On Assets (2.11%) which is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 11.90%, RM is in line with its industry, outperforming 48.15% of the companies in the same industry.
- RM has a better Return On Invested Capital (5.41%) than 61.11% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for RM is significantly below the industry average of 12.27%.
| Industry Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 6.88%, RM is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of RM has remained more or less at the same level.
- The Operating Margin of RM (22.09%) is better than 74.07% of its industry peers.
- In the last couple of years the Operating Margin of RM has declined.
| Industry Rank | Sector 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
2. Health
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
- RM has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.86, we must say that RM is in the distress zone and has some risk of bankruptcy.
- RM has a Altman-Z score of 0.86. This is in the better half of the industry: RM outperforms 62.96% of its industry peers.
- 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 has a better Debt to FCF ratio (5.62) than 72.22% 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.
- Looking at the Debt to Equity ratio, with a value of 4.40, RM is doing worse than 61.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.4 | ||
| Debt/FCF | 5.62 | ||
| Altman-Z | 0.86 |
ROIC/WACC0.94
WACC5.77%
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 has a worse Current ratio (0.04) than 77.78% of its industry peers.
- A Quick Ratio of 0.04 indicates that RM may have some problems paying its short term obligations.
- With a Quick ratio value of 0.04, RM is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
- RM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.97%.
- 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.
- The Revenue has grown by 9.70% in the past year. This is quite good.
- 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)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
- 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 Y45.21%
EPS Next 2Y37.25%
EPS Next 3Y23.31%
EPS Next 5YN/A
Revenue Next Year5.28%
Revenue Next 2Y6.46%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 7.15, the valuation of RM can be described as very cheap.
- Based on the Price/Earnings ratio, RM is valued a bit cheaper than the industry average as 61.11% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of RM to the average of the S&P500 Index (27.07), we can say RM is valued rather cheaply.
- A Price/Forward Earnings ratio of 4.92 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.
- The average S&P500 Price/Forward Earnings ratio is at 28.05. RM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 4.92 |
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 61.11% 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 90.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.04 | ||
| EV/EBITDA | 12.23 |
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)0.16
PEG (5Y)0.54
EPS Next 2Y37.25%
EPS Next 3Y23.31%
5. Dividend
5.1 Amount
- RM has a Yearly Dividend Yield of 3.61%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.83, RM pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, RM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
5.2 History
- The dividend of RM is nicely growing with an annual growth rate of 42.35%!
- 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 last 3 years.
Dividend Growth(5Y)42.35%
Div Incr Years0
Div Non Decr Years4
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 2Y37.25%
EPS Next 3Y23.31%
31.82
-1.41 (-4.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-28 2026-04-28/amc
Inst Owners82.25%
Inst Owner Change0.09%
Ins Owners8.06%
Ins Owner Change-4.65%
Market Cap303.88M
Revenue(TTM)645.60M
Net Income(TTM)44.41M
Analysts81.54
Price Target51 (60.28%)
Short Float %3.13%
Short Ratio4.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
Yearly Dividend1.17
Dividend Growth(5Y)42.35%
DP25.86%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-19 2026-02-19 (0.3)
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)7.91%
PT rev (3m)7.91%
EPS NQ rev (1m)-36.13%
EPS NQ rev (3m)-36.13%
EPS NY rev (1m)2.43%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-1.76%
Revenue NQ rev (3m)-1.76%
Revenue NY rev (1m)-1.69%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 4.92 | ||
| P/S | 0.47 | ||
| P/FCF | 1.04 | ||
| P/OCF | 0.98 | ||
| P/B | 0.81 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | 12.23 |
EPS(TTM)4.45
EY13.98%
EPS(NY)6.46
Fwd EY20.31%
FCF(TTM)30.58
FCFY96.09%
OCF(TTM)32.36
OCFY101.71%
SpS67.6
BVpS39.07
TBVpS35.74
PEG (NY)0.16
PEG (5Y)0.54
Graham Number62.54
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.86 |
F-Score5
WACC5.77%
ROIC/WACC0.94
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 Y45.21%
EPS Next 2Y37.25%
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 Year5.28%
Revenue Next 2Y6.46%
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 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.
Can you provide the profitability details for REGIONAL MANAGEMENT CORP?
REGIONAL MANAGEMENT CORP (RM) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for RM stock?
The Earnings per Share (EPS) of REGIONAL MANAGEMENT CORP (RM) is expected to grow by 45.21% in the next year.
Is the dividend of REGIONAL MANAGEMENT CORP sustainable?
The dividend rating of REGIONAL MANAGEMENT CORP (RM) is 5 / 10 and the dividend payout ratio is 25.86%.