Symbols / RM Stock $37.45 +1.49% Regional Management Corp.

Financial Services • Credit Services • United States • NYQ
RM (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Lakhbir S. Lamba
Exch · Country NYQ · United States
Market Cap 344.85M
Enterprise Value 2.00B
Income 48.81M
Sales 638.78M
FCF (ttm) -112.62M
Book/sh 40.25
Cash/sh 0.53
Employees 2,112
Insider 10d —
IPO Mar 28, 2012
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E 7.60
Forward P/E 5.08
PEG 0.90
P/S 0.54
P/B 0.93
P/C —
EV/EBITDA 11.84
EV/Sales 3.13
Quick Ratio 38.63
Current Ratio 40.70
Debt/Eq 441.85
LT Debt/Eq —
EPS (ttm) 4.93
EPS next Y 7.37
EPS Growth 68.60%
Revenue Growth 9.60%
EPS Gr Q/Q 62.70%
Rev Gr Q/Q —
Earnings (next) 2026-07-29
Earnings (prior) 2026-04-29
ROA 4.76%
ROE 13.30%
ROIC —
Gross Margin 60.50%
Oper. Margin 23.29%
Profit Margin 7.64%
Shs Outstand 9.21M
Shs Float 6.52M
Insider Own 9.48%
Instit Own 88.89%
Short Float 4.65%
Short Ratio 5.67
Short Interest 342.54K
52W High 46.00
vs 52W High -18.59%
52W Low 26.98
vs 52W Low 38.81%
Beta 1.02
Impl. Vol. 38.42%
Rel Volume 0.44
Avg Volume 59.75K
Volume 26.24K
Target (mean) $48.00
Tgt Median $49.00
Tgt Low $45.00
Tgt High $50.00
# Analysts 3
Recom None
Prev Close $36.90
Price $37.45
Change 1.49%
About

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$48.00
Mean price target
2. Current target
$37.20
Latest analyst target
3. DCF / Fair value
$-220.16
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$37.20
Low
$45.00
High
$50.00
Mean
$48.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-21 up Citizens Market Perform → Market Outperform $45
2025-05-02 main Keefe, Bruyette & Woods Market Perform → Market Perform $30
2024-11-13 init Stephens & Co. — → Equal-Weight $30
2024-08-01 main Keefe, Bruyette & Woods Market Perform → Market Perform $33
2024-06-07 init BTIG — → Neutral —
2024-05-03 main Keefe, Bruyette & Woods Market Perform → Market Perform $28
2024-02-08 reit Stephens & Co. Equal-Weight → Equal-Weight $30
2023-11-02 main Stephens & Co. Equal-Weight → Equal-Weight $30
2023-05-04 reit Stephens & Co. — → Equal-Weight $38
2023-04-11 main Keefe, Bruyette & Woods — → Market Perform $28
2023-02-10 main BMO Capital — → Market Perform $37
2022-11-03 main BMO Capital — → Market Perform $39
2022-11-02 main Stephens & Co. — → Equal-Weight $32
2021-09-29 down JMP Securities Market Outperform → Market Perform —
2021-07-19 main JMP Securities — → Market Outperform $50
2021-06-09 down BMO Capital Outperform → Market Perform $43
2020-11-12 down Janney Montgomery Scott Buy → Neutral —
2020-05-15 up BMO Capital Market Perform → Outperform $29
2019-02-22 init BTIG — → Buy $36
2018-08-02 main BMO Capital Market Perform → Market Perform $36
News
RSS: Latest RM news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-06-01 JOHNSON SANDRA K Director — 1,360 $0.00 $0
2026-05-26 JOHNSON SANDRA K Director — 1,000 $36.00 $36,000
2026-05-21 CAMPOS ROEL C Director — 3,583 $0.00 $0
2026-05-21 BASSWOOD CAPITAL MANAGEMENT, L.L.C. Beneficial Owner of more than 10% of a Class of Security — 3,337 $0.00 $0
2026-05-21 CONTRERAS-SWEET MARIA Director — 3,829 $0.00 $0
2026-05-21 BROWN JONATHAN DAVID Director — 3,337 $0.00 $0
2026-05-21 JOHNSON SANDRA K Director — 3,583 $0.00 $0
2026-05-21 BOOTH JULIE Director — 3,829 $0.00 $0
2026-05-21 DUNN MICHAEL R Director — 3,583 $0.00 $0
2026-05-21 FREIBERG STEVEN J Director — 3,829 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
560.78
+9.11%
513.97
+6.21%
483.94
+2.32%
472.96
Operating Revenue
560.78
+9.11%
513.97
+6.21%
483.94
+2.32%
472.96
Selling General And Administration
229.37
+3.38%
221.88
+1.74%
218.09
+9.75%
198.72
Selling And Marketing Expense
18.55
-2.39%
19.01
+20.49%
15.77
+2.58%
15.38
General And Administrative Expense
210.82
+3.92%
202.87
+0.27%
202.32
+10.35%
183.34
Salaries And Wages
159.64
+3.80%
153.79
-1.97%
156.87
+11.07%
141.24
Other Gand A
51.18
+4.28%
49.08
+8.00%
45.44
+7.95%
42.10
Reconciled Depreciation
16.25
+15.47%
14.07
-3.85%
14.63
+15.33%
12.69
Total Unusual Items
—
—
—
-0.14
Total Unusual Items Excluding Goodwill
—
—
—
-0.14
Special Income Charges
—
—
—
-0.14
Other Special Charges
—
—
—
0.14
Net Income
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Pretax Income
57.78
+6.85%
54.08
+160.19%
20.78
-68.18%
65.32
Net Interest Income
494.13
+8.75%
454.36
+7.61%
422.24
+1.35%
416.63
Interest Expense
84.81
+13.80%
74.53
+10.48%
67.46
+97.13%
34.22
Interest Income
578.95
+9.46%
528.89
+8.00%
489.70
+8.62%
450.85
Tax Provision
13.37
+4.02%
12.85
+166.28%
4.83
-65.77%
14.10
Tax Rate For Calcs
0.00
-2.94%
0.00
+2.59%
0.00
+7.41%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Net Income From Continuing Operation Net Minority Interest
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Net Income From Continuing And Discontinued Operation
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Net Income Continuous Operations
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Normalized Income
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Net Income Common Stockholders
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Diluted EPS
4.45
+7.49%
4.14
+149.40%
1.66
-68.68%
5.30
Basic EPS
4.71
+10.05%
4.28
+151.76%
1.70
-69.15%
5.51
Basic Average Shares
9.43
-2.20%
9.64
+2.58%
9.40
+1.10%
9.30
Diluted Average Shares
9.98
+0.27%
9.96
+3.79%
9.59
-0.65%
9.66
Diluted NI Availto Com Stockholders
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Occupancy And Equipment
28.20
+9.22%
25.82
+3.17%
25.03
+5.12%
23.81
Other Non Interest Expense
—
—
—
-0.14
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,103.93
+10.20%
1,909.11
+6.39%
1,794.53
+4.03%
1,724.99
Cash And Cash Equivalents
3.82
-3.24%
3.95
-12.38%
4.51
+16.42%
3.87
Cash Financial
3.82
-3.24%
3.95
-12.38%
4.51
+16.42%
3.87
Receivables
10.58
+146.26%
4.29
-66.77%
12.93
-5.76%
13.72
Other Receivables
10.58
+146.26%
4.29
-66.77%
12.93
-5.76%
13.72
Prepaid Assets
8.78
+0.99%
8.69
-10.05%
9.66
+5.99%
9.12
Net PPE
56.98
+9.33%
52.12
+8.38%
48.09
-1.95%
49.05
Gross PPE
91.58
+8.05%
84.76
+8.10%
78.41
+2.09%
76.80
Accumulated Depreciation
-34.60
-5.99%
-32.64
-7.65%
-30.32
-9.24%
-27.76
Machinery Furniture Equipment
29.09
+2.86%
28.29
+3.88%
27.23
+0.80%
27.01
Other Properties
43.83
+14.01%
38.44
+12.07%
34.30
-0.63%
34.52
Leases
18.66
+3.47%
18.03
+6.83%
16.88
+10.53%
15.27
Goodwill And Other Intangible Assets
31.78
+29.59%
24.52
+54.76%
15.85
+30.72%
12.12
Goodwill
—
—
—
0.72
Other Intangible Assets
31.78
+29.59%
24.52
+54.76%
15.85
+30.72%
12.12
Total Liabilities Net Minority Interest
1,730.84
+11.52%
1,552.03
+5.42%
1,472.25
+3.95%
1,416.35
Payables And Accrued Expenses
39.35
-0.26%
39.45
-2.44%
40.44
+19.67%
33.80
Current Debt And Capital Lease Obligation
268.44
-14.91%
315.47
+28.79%
244.94
+48.70%
164.72
Current Debt
268.44
-14.91%
315.47
+28.79%
244.94
+48.70%
164.72
Long Term Debt And Capital Lease Obligation
1,419.70
+18.59%
1,197.11
+0.86%
1,186.87
-2.54%
1,217.84
Long Term Debt
1,373.73
+18.78%
1,156.53
+0.54%
1,150.30
-2.61%
1,181.12
Long Term Capital Lease Obligation
45.97
+13.28%
40.58
+10.94%
36.58
-0.37%
36.71
Non Current Deferred Liabilities
3.35
—
—
—
Non Current Deferred Taxes Liabilities
3.35
—
—
—
Stockholders Equity
373.09
+4.48%
357.08
+10.80%
322.27
+4.42%
308.63
Common Stock Equity
373.09
+4.48%
357.08
+10.80%
322.27
+4.42%
308.63
Capital Stock
1.52
+1.68%
1.49
+2.40%
1.46
+1.67%
1.43
Common Stock
1.52
+1.68%
1.49
+2.40%
1.46
+1.67%
1.43
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
15.17
+1.66%
14.92
+2.44%
14.57
+1.65%
14.33
Ordinary Shares Number
9.55
-4.56%
10.01
+2.57%
9.76
+2.48%
9.52
Treasury Shares Number
5.61
+14.31%
4.91
+2.16%
4.81
+0.00%
4.81
Additional Paid In Capital
138.67
+6.07%
130.72
+7.37%
121.75
+8.34%
112.38
Retained Earnings
410.72
+8.52%
378.48
+8.27%
349.58
+1.17%
345.55
Gains Losses Not Affecting Retained Earnings
-0.00
-103.23%
0.06
+116.67%
-0.37
+36.52%
-0.59
Treasury Stock
177.81
+15.70%
153.68
+2.36%
150.14
+0.00%
150.14
Total Equity Gross Minority Interest
373.09
+4.48%
357.08
+10.80%
322.27
+4.42%
308.63
Total Capitalization
1,746.83
+15.41%
1,513.61
+2.79%
1,472.57
-1.15%
1,489.76
Invested Capital
2,015.27
+10.18%
1,829.08
+6.50%
1,717.51
+3.81%
1,654.48
Total Debt
1,688.14
+11.61%
1,512.58
+5.64%
1,431.81
+3.56%
1,382.56
Net Debt
1,638.35
+11.60%
1,468.05
+5.56%
1,390.73
+3.63%
1,341.97
Capital Lease Obligations
45.97
+13.28%
40.58
+10.94%
36.58
-0.37%
36.71
Net Tangible Assets
341.31
+2.63%
332.55
+8.53%
306.43
+3.34%
296.51
Tangible Book Value
341.31
+2.63%
332.55
+8.53%
306.43
+3.34%
296.51
Cash Cash Equivalents And Federal Funds Sold
122.21
-22.33%
157.35
+3.92%
151.41
-0.53%
152.22
Line Of Credit
268.44
-14.91%
315.47
+28.79%
244.94
+48.70%
164.72
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
309.07
+14.93%
268.93
+7.93%
249.17
+11.07%
224.33
Cash Flow From Continuing Operating Activities
309.07
+14.93%
268.93
+7.93%
249.17
+11.07%
224.33
Net Income From Continuing Operations
44.41
+7.73%
41.23
+158.35%
15.96
-68.85%
51.22
Depreciation Amortization Depletion
16.25
+15.47%
14.07
-3.85%
14.63
+15.33%
12.69
Depreciation And Amortization
16.25
+15.47%
14.07
-3.85%
14.63
+15.33%
12.69
Stock Based Compensation
11.87
+6.23%
11.17
-4.97%
11.76
+9.17%
10.77
Deferred Tax
12.65
+198.44%
4.24
+3683.93%
0.11
-97.65%
4.77
Deferred Income Tax
12.65
+198.44%
4.24
+3683.93%
0.11
-97.65%
4.77
Operating Gains Losses
0.33
-22.48%
0.43
-50.75%
0.87
+506.29%
0.14
Gain Loss On Investment Securities
0.00
-100.00%
0.02
0.00
0.00
Gain Loss On Sale Of PPE
0.33
-18.67%
0.41
-53.06%
0.87
+506.29%
0.14
Change In Working Capital
-6.15
-609.44%
1.21
+168.22%
0.45
+101.83%
-24.53
Change In Payables And Accrued Expense
-0.89
+36.00%
-1.39
-118.17%
7.63
+152.10%
-14.64
Change In Other Working Capital
4.83
+2643.18%
0.18
+105.65%
-3.12
-198.27%
3.17
Change In Other Current Assets
-15.48
-875.98%
-1.59
+59.60%
-3.93
+79.41%
-19.07
Change In Other Current Liabilities
5.39
+34.62%
4.00
+3043.38%
-0.14
-102.26%
6.01
Investing Cash Flow
-471.18
-49.40%
-315.37
-13.15%
-278.72
+37.69%
-447.29
Cash Flow From Continuing Investing Activities
-471.18
-49.40%
-315.37
-13.15%
-278.72
+37.69%
-447.29
Net PPE Purchase And Sale
-4.76
+5.76%
-5.05
-7.72%
-4.69
+20.12%
-5.87
Purchase Of PPE
-4.76
+5.76%
-5.05
-7.72%
-4.69
+20.12%
-5.87
Sale Of PPE
—
—
—
0.00
Capital Expenditure
-17.08
+1.81%
-17.39
-44.09%
-12.07
-5.80%
-11.41
Net Investment Purchase And Sale
—
24.71
+508.59%
4.06
0.00
Sale Of Investment
—
24.71
+508.59%
4.06
0.00
Net Intangibles Purchase And Sale
-12.31
+0.19%
-12.34
-67.23%
-7.38
-33.32%
-5.53
Purchase Of Intangibles
-12.31
+0.19%
-12.34
-67.23%
-7.38
-33.32%
-5.53
Net Other Investing Changes
-2.13
-240.85%
1.51
+182.27%
-1.84
+91.18%
-20.84
Financing Cash Flow
124.47
+133.06%
53.41
+102.07%
26.43
-87.14%
205.57
Cash Flow From Continuing Financing Activities
124.47
+133.06%
53.41
+102.07%
26.43
-87.14%
205.57
Net Issuance Payments Of Debt
172.19
+120.08%
78.24
+78.96%
43.72
-82.24%
246.19
Issuance Of Debt
2,310.26
+4.90%
2,202.28
+33.85%
1,645.35
-27.39%
2,266.13
Repayment Of Debt
-2,138.07
-0.66%
-2,124.04
-32.62%
-1,601.63
+20.71%
-2,019.94
Long Term Debt Issuance
2,310.26
+4.90%
2,202.28
+33.85%
1,645.35
-27.39%
2,266.13
Long Term Debt Payments
-2,138.07
-0.66%
-2,124.04
-32.62%
-1,601.63
+20.71%
-2,019.94
Net Long Term Debt Issuance
172.19
+120.08%
78.24
+78.96%
43.72
-82.24%
246.19
Short Term Debt Payments
—
—
-1,566.74
+18.00%
-1,910.72
Net Short Term Debt Issuance
—
—
-1,566.74
+18.00%
-1,910.72
Net Common Stock Issuance
-23.98
-577.51%
-3.54
0.00
+100.00%
-20.61
Common Stock Payments
-23.98
-577.51%
-3.54
0.00
+100.00%
-20.61
Common Stock Dividend Paid
-11.48
+5.41%
-12.14
-2.15%
-11.89
-4.69%
-11.35
Cash Dividends Paid
-11.48
+5.41%
-12.14
-2.15%
-11.89
-4.69%
-11.35
Repurchase Of Capital Stock
-23.98
-577.51%
-3.54
0.00
+100.00%
-20.61
Proceeds From Stock Option Exercised
0.00
0.00
-100.00%
0.29
0.00
Net Other Financing Charges
-12.24
-33.84%
-9.15
-60.73%
-5.69
+34.19%
-8.65
Changes In Cash
-37.64
-640.62%
6.96
+322.71%
-3.13
+82.02%
-17.39
Beginning Cash Position
135.63
+5.41%
128.67
-2.37%
131.80
-11.66%
149.19
End Cash Position
98.00
-27.75%
135.63
+5.41%
128.67
-2.37%
131.80
Free Cash Flow
291.99
+16.08%
251.53
+6.09%
237.10
+11.35%
212.92
Interest Paid Supplemental Data
78.40
+13.34%
69.17
+15.12%
60.08
+48.44%
40.48
Income Tax Paid Supplemental Data
6.11
+123.52%
2.73
-10.36%
3.05
-88.69%
26.96
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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