Regional Management/$RM
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Regional Management
Regional Management Corp is a diversified consumer finance company that provides installment loan products to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. The company is engaged in consumer finance. The company has the core products which are small and large installment loans. The company also offers optional payment and collateral protection insurance. The company's principal source of revenue is interest and fee income on outstanding loans.
- Ticker
- $RM
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 2,112
- Headquarters
- Greer, United States
- Website
- www.regionalmanagement.com
RM Metrics
BasicAdvanced
$324M
7.35
$4.93
1.08
$1.20
3.31%
Price and volume
Market cap
$324M
Beta
1.08
52-week high
$44.30
52-week low
$29.89
Average daily volume
101K
Dividend rate
$1.20
Financial strength
Current ratio
60.677
Quick ratio
56.772
Long term debt to equity
4.704
Total debt to equity
4.704
Dividend payout ratio (TTM)
24.16%
Interest coverage (TTM)
1.66%
Profitability
EBITDA (TTM)
173.321
Gross margin (TTM)
59.28%
Net profit margin (TTM)
7.27%
Operating margin (TTM)
23.55%
Effective tax rate (TTM)
22.51%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
4.54%
Return on equity (TTM)
12.63%
Valuation
Price to earnings (TTM)
7.347
Price to revenue (TTM)
0.504
Price to book
0.87
Price to tangible book (TTM)
0.97
Price to free cash flow (TTM)
1.076
Free cash flow yield (TTM)
92.96%
Free cash flow per share (TTM)
33.699
Dividend yield (TTM)
3.31%
Forward dividend yield
3.31%
Growth
Revenue change (TTM)
7.23%
Earnings per share change (TTM)
19.45%
3-year revenue growth (CAGR)
7.60%
10-year revenue growth (CAGR)
11.35%
3-year earnings per share growth (CAGR)
22.06%
10-year earnings per share growth (CAGR)
9.37%
3-year dividend per share growth (CAGR)
-37.00%
What the Analysts think about RM
Analyst ratings (Buy, Hold, Sell) for Regional Management stock.
Analyst projections of the future price of Regional Management stock.
Bulls say / Bears say
Third-quarter revenue reached a record $178.8 million, up 8% year on year, while diluted earnings per share rose 13.4% to $1.61. Management maintained its full-year outlook for 6% to 9% net income growth. (Business Wire)
The Column bank partnership has expanded into three more states and generated fee income that added about 120 basis points to third-quarter revenue yield. Management expects the programme to improve pre-tax margins by at least 200 basis points versus similar state-licensed loans as it scales. (Motley Fool)
The portfolio is shifting towards larger and auto-secured loans: auto-secured receivables grew 25.2% year on year and had a 2.2% 30-day delinquency rate. This mix could support growth with better credit performance than the company’s higher-risk segments. (Business Wire)
Credit performance is deteriorating: the third-quarter net credit loss rate rose to 10.9% from 10.2% a year earlier, while delinquencies increased to 7.5% from 7.0%. The company traced much of the loss increase to weaker 2025 loan vintages, particularly in its digital affiliate channel. (Business Wire)
Interest and fee yield fell by 100 basis points year on year to 28.7%, as the mix shifted towards lower-yielding loans and pricing changes and credit losses also weighed on returns. Bank-partnership fees helped total revenue yield, but did not fully offset this decline. (Business Wire)
Management expects fourth-quarter net income to be lower than in the third quarter, citing seasonally higher credit losses and upfront costs from rolling out the bank partnership. That could interrupt the recent earnings momentum in the near term. (Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 2026.
RM Financial Performance
Revenues and expenses
RM Earnings Performance
Company profitability
Upcoming events
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Funds containing RM
Fund name | Fund size | $RM weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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