Regional Management Corp (RM)
🔔 Watch stock
symbol.quality_heading
The business works in principle, but one material question is open. As long as it stays open, our findings do not carry a quality verdict.
Yellow here does not signal doubt about survival. Regional Management is profitable, revenue has grown for three straight years, an equity ratio of 18.1 percent is respectable for a consumer lender, and reserves equal to 10.4 percent of the loan book are being carried rather than released. Yellow stands because two things are true at once. First, the business is structurally thinly cushioned: of $645.6 million of revenue in 2025, $245.4 million went to credit provision, $257.6 million to general and administrative expenses and $84.8 million to interest, leaving $44.4 million of net income — 2.3 percent of average net finance receivables. Interest coverage of 1.68 times leaves little room if funding gets more expensive or losses rise, and both moved the wrong way most recently (cost of funds from 4.2 to 4.3 percent, net charge-offs from $200.1 million to $224.0 million). Second, a quarter of the loan book is deteriorating while it shrinks: small loans at 10.9 percent delinquency against 10.0 percent, on a balance down 5.9 percent. Both are open operating questions without any threat to the going concern — which is exactly what the yellow level is for. Green is ruled out by thin interest coverage combined with a loss rate in the double-digit percentages of the book; red is ruled out because the company has reported profits for three years, is not releasing reserves, and carries no open balance-sheet, governance or auditor qualifications.
symbol.quality_note
A price-to-cash-flow ratio of 1.1 looks like a bargain — until you check what that cash flow is made of. At a consumer lender it measures the interest margin before the loans go bad. We do the arithmetic on what is actually left to distribute.
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Stock Watch
This analysis is as of July 27, 2026. Stock Watch will tell you what's changed at RM since then.
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Appears in These Scanners
This stock currently matches 6 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 32.30 $ — 10% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
NeutralDer Geschäftsbericht 2025 nennt künstliche Intelligenz ausschließlich im Risikoteil — die eigene Nutzung steht im Konjunktiv, dazu Wettbewerbs- und Cyberrisiken; ein eigenes KI-Produkt oder eine messbare KI-Bedrohung des Filialgeschäfts belegt er nicht.
View the full file — quotes, sources, reviewed filings
„The development and use of artificial intelligence presents risks and challenges that may adversely impact our business. We, or the third party service providers with which we transact or have business relationships, may develop or incorporate AI technology in certain business processes, services, or products."
Entwicklung und Einsatz künstlicher Intelligenz bringen Risiken und Herausforderungen mit sich, die unser Geschäft beeinträchtigen können. Wir oder die Dienstleister, mit denen wir Geschäfte machen oder Geschäftsbeziehungen unterhalten, entwickeln oder verwenden möglicherweise KI-Technik in bestimmten Geschäftsprozessen, Dienstleistungen oder Produkten.
„The financial services industry is undergoing rapid technological changes, with frequent introductions of new technology-driven products, services, and marketing channels, including the use of AI and machine-learning solutions to interact with customers, sell products and services, and support and grow a customer base."
Die Finanzdienstleistungsbranche durchläuft raschen technischen Wandel mit häufig neuen technikgetriebenen Produkten, Dienstleistungen und Vertriebswegen — darunter der Einsatz von KI- und Maschinenlern-Lösungen, um mit Kunden umzugehen, Produkte und Dienstleistungen zu verkaufen und den Kundenstamm zu betreuen und auszubauen.
Filings Reviewed: 10-K 2026-02-20 · 10-Q 2026-05-01 · 8-K 2026-05-04 · 8-K 2026-05-19 · 10-K 2025-02-21 · 10-Q 2025-11-06
Rated on July 27, 2026 · How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 48.6% above the current price.
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.98 | – | 155 | 9.30 | 6.40 | 64 | 60 |
| 2025: Q1 | 0.70 | -55.20 | 153 | 6.00 | 4.60 | 64 | 62 |
| 2025: Q2 | 1.03 | 20.30 | 157 | 10.10 | 6.40 | 79 | 75 |
| 2025: Q3 | 1.42 | 86.50 | 166 | 13.10 | 8.70 | 87 | 83 |
| 2025: Q4 | 1.30 | 32.30 | 170 | 9.60 | 7.60 | 80 | 79 |
| 2026: Q1 | 1.18 | 68.80 | 167 | 9.40 | 6.80 | 81 | 77 |
| 2026: Q2 | 0.85 | -17.50 | 168 | 6.70 | 4.90 | 81 | 79 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Assessment: Opportunities & Risks
Revenue rose from $551.4 million (2023) to $588.5 million (2024) and $645.6 million (2025); net income went from $16.0 million to $44.4 million. The first quarter of 2026 added to that, at $11.4 million against $7.0 million a year earlier. General and administrative expenses fell 2.1 percent to $64.7 million against the trend — the operating expense ratio improved from 14.0 to 12.2 percent (10-Q for the period ended March 31, 2026).
The price-to-cash-flow ratio of about 1.1 (as of July 24, 2026) that puts this stock in the ranking measures, at a lender, the interest margin before credit losses: the $309.1 million operating inflow for 2025 contains $245.4 million of added-back credit provision, while net lending of $452.0 million sits in investing activities. Operations and investing combined came to minus $162.1 million.
The allowance stood at 10.4 percent of net finance receivables on March 31, 2026, essentially unchanged from 10.5 percent a year earlier — reserves are being carried, not released. Thirty-day-plus delinquency edged up from 7.1 to 7.2 percent, but on small loans it rose from 10.0 to 10.9 percent even though that portfolio shrank 5.9 percent.
An equity ratio of 18.1 percent ($375.8 million of $2,072.8 million as of March 31, 2026) is respectable for a consumer lender, and leverage of 4.3 times equity is standard. Interest coverage is the thin spot: pre-tax income plus interest expense covered interest expense only 1.68 times in 2025 and 1.65 times in the first quarter of 2026. Cost of funds rose from 4.2 to 4.3 percent.
Regional Management distributed $35.5 million in 2025 ($11.5 million of dividends, $24.0 million of buybacks) and cut the share count from 9,554 thousand to 9,338 thousand between December 31, 2025 and March 31, 2026. Growth in the same year was funded by a net $124.5 million from financing activities — payout and balance-sheet expansion run in parallel.
The filing trail is complete and current: annual report 10-K for 2025 (filed February 20, 2026), quarterly report 10-Q for the period ended March 31, 2026 (filed May 1, 2026) and both current reports since (8-K filed May 4 and May 19, 2026). No Form 15, no Form 25, no tender-offer statement; the share count comes from the cover page of the latest quarterly report.
Regional Management is a profitable, growing consumer lender with a respectable equity cushion — and at the same time a case study in how a single metric can mislead. The price-to-cash-flow ratio of about 1.1 that puts the stock in the ranking measures the interest margin before credit losses here; net the $224.0 million of 2025 charge-offs and the $452.0 million of net lending against it, and operations plus investing leave a $162.1 million deficit. Anyone judging this stock has to read it as a bank: an 18.1 percent equity ratio, a 10.4 percent allowance, 7.2 percent delinquency, interest coverage of 1.68 times. Not investment advice.
- RM reached the research list as rank 19 of 25 visible hits in our in-house price-to-free-cash-flow ranking (U.S. selection, as of July 27, 2026), part of the series covering the leading places in that scanner. The lists are recomputed daily; today's rank is not tomorrow's rank.
- The ranking itself is telling: 14 of the 25 visible hits are financial or real-estate businesses (as of July 27, 2026). That is not chance but the arithmetic — where the core business is booked in investing activities, operating cash flow looks optically large.
- The Altman Z figure in our data set (9.68) is the Z double-prime variant with cut-offs of 1.1 and 2.6, not the classic Z-Score with 1.8 and 3.0. The formula was never designed for lenders in any case, and this analysis therefore does not use it as a credit argument.
- Market capitalization (about $392 million) and valuation figures carry an as-of date of July 24, 2026 and were checked against the 9,208,145 shares on the cover page of the quarterly report for the period ended March 31, 2026 (as of April 29, 2026). Analyses are evergreen; daily prices are not a reason to buy.
About the Company
Regional Management Corp., ein diversifiziertes Verbraucherfinanzierungsunternehmen, bietet verschiedene Ratenkreditprodukte hauptsächlich für Kunden mit eingeschränktem Zugang zu Verbraucherkrediten von Banken, Sparkassen, Kreditkartenunternehmen und anderen Kreditgebern in den USA an.
| Employees | 2,112 |
|---|---|
| Headquarters | Greer, SC |
| Website | regionalmanagement.com |
| IPO Date | 28. Mar 2012 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Lakhbir S. Lamba | President, CEO & Director | 1974 |
| Harpreet Rana | Executive VP and Chief Financial & Administrative Officer | 1972 |
| Catherine R Atwood J.D. | Senior VP, General Counsel & Secretary | 1983 |
| Brian J. Fisher J.D. | Executive VP and Chief Strategy & Development Officer | 1984 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 10. Jul 2026 | Barnette Steven B | VP, Chief Accounting Officer | Sell | 3,274 | 43.30 | 141,764 |
| 21. Apr 2026 | Fund L.P. Forager | Major Shareholder | Sell | 5,788 | 40.18 | 232,562 |
| 20. Apr 2026 | Fund L.P. Forager | Major Shareholder | Sell | 15,000 | 39.68 | 595,200 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.