Regional Management Corp
🔔 Watch stock
Assessment
Our Rating
A journalistic assessment by our editorial team at the time of the deep dive — it rates the company, not the entry point. Not investment advice and not a solicitation to buy or sell.
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.
Why this colour
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.
What the thesis turns on
Assessment: Opportunities & Risks
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.
Earning power
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).
What the screening metric actually says
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.
Credit quality
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.
Balance sheet and funding
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.
Use of capital
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.
Quality of the record
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.
Worth Noting
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.
Stock Watch
This analysis is as of August 26, 2026. Stock Watch will tell you what's changed at RM since then.
Later $1 a month per stock — signing up is free, and you'll be the first to know when it launches.
Price history
Chart
Interactive price chart (TradingView).
52-week range: 30.90 $ to 45.50 $ · Last price: 32.10 $ (As of: September 17, 2026)
Key figures
Key figures at a glance
Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 09/18/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
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.
Comparison
Industry comparison
The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.
Industry: Credit Services
| Company | Market cap ($B) | P/E | EV/EBITDA | Gross Margin % | EBIT Margin % | Sales Growth (Year) % | Perf. 1Y % |
|---|---|---|---|---|---|---|---|
| Regional Management Corp RM | 0.3 | 6.9 | 0.0 | 59.8 | – | 9.7 | -24.2 |
| Visa Inc. Class A V | 699.4 | 33.2 | 24.3 | 97.7 | 67.4 | 11.3 | 7.7 |
| Mastercard Inc MA | 500.7 | 33.9 | 23.1 | 100.0 | 60.8 | 16.4 | -4.9 |
| American Express Company AXP | 213.1 | 19.5 | 0.0 | 62.3 | 21.3 | 8.4 | -6.4 |
| Capital One Financial Corporation COF | 124.4 | 62.2 | 0.0 | 100.0 | 28.6 | 28.4 | -9.1 |
| PayPal Holdings Inc PYPL | 45.7 | 10.1 | 6.6 | 40.5 | 17.0 | 4.3 | -20.3 |
| Synchrony Financial SYF | 25.3 | 7.7 | 0.0 | 100.0 | 48.0 | -7.9 | 2.1 |
| Affirm Holdings Inc AFRM | 23.7 | 63.7 | 25.7 | 48.9 | 8.5 | 38.8 | -22.3 |
| SoFi Technologies Inc. SOFI | 21.0 | 35.7 | 0.0 | 83.7 | 18.3 | 82.6 | -38.4 |
| Median of companies shown | 45.7 | 33.2 | 0.0 | 83.7 | 24.9 | 11.3 | -9.1 |
Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →
Fiscal years
Annual Figures
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
Revenue, operating income and net income per fiscal year $M
Revenue Operating income Net income
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 241 | 39 | 24 | 1.99 | 100 | 207 | 712 |
| 2017 | 272 | 40 | 30 | 2.54 | 115 | 239 | 829 |
| 2018 | 307 | 46 | 35 | 2.93 | 146 | 279 | 956 |
| 2019 | 356 | 59 | 45 | 3.80 | 165 | 303 | 1,159 |
| 2020 | 374 | 36 | 27 | 2.40 | 173 | 272 | 1,104 |
| 2021 | 428 | 112 | 89 | 8.33 | 189 | 283 | 1,460 |
| 2022 | 507 | 65 | 51 | 5.30 | 224 | 309 | 1,725 |
| 2023 | 551 | 21 | 16 | 1.66 | 249 | 322 | 1,795 |
| 2024 | 589 | 54 | 41 | 4.09 | 269 | 357 | 1,909 |
| 2025 | 646 | 80 | 44 | 4.47 | 309 | 373 | 2,184 |
Quarters
Quarterly Figures
Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
| 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 |
What Do These Terms Mean?
- 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.
Screening
Appears in These Scanners
This stock currently matches 14 of our scanner strategies — each hit links to the scanner.
Growth
Quality & Balance Sheet
Aktien.Guide
Breakout & Setup
Dividends
Momentum & Trend
Research
Risk & Weakness
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. Scanners marked in red are red-flag signals (risk/short scanners) — appearing there is not a seal of approval. View all scanners
Outlook
Analysts & Price Target
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.
Distribution of Recommendations
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.95 | 4.90 – 5.01 | 690 | 11.3% | 3 |
| 12/31/2027 | 5.83 | 5.70 – 5.89 | 734 | 17.6% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Valuation
What is priced in?
Instead of guessing what the stock is worth, we turn the question around: what free cash flow growth has to happen for today’s market value to add up? The assumptions behind it can be moved.
With these assumptions (discount rate 10.0%, terminal growth 2.5%), no growth rate between -20.0% and 60.0% per year explains today’s market value — the reverse calculation yields no meaningful figure here.
| Free cash flow (last twelve months) | $317.4M |
|---|---|
| Market cap | $281.0M |
| Free cash flow in year ten | – |
| Terminal value as a share of market value | – |
For comparison: over the past five years free cash flow grew by 11.9% per year.
It shows which assumption is built into today’s price, not whether that assumption will hold. Every assumption can be changed with the sliders; the figures move with them.
A simplified model calculation — not a forecast and not a recommendation.
AI classification
AI Rating
Der 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.
10-K · 2026-02-20 · View SEC filing
„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.
10-K · 2026-02-20 · View SEC filing
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
Growth
Growth Score
Ten checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 8.4%
- More than 10% revenue growth is expected for the coming year 9.2%
- Share count grows by less than 3% a year 0.9%
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 54.9%
- Gross margin at 40% or higher and without meaningful erosion 52.4%
- Goodwill from acquisitions does not grow faster than revenue 0.0%
- Net debt below twice EBITDA 17.8 x EBITDA
- Operating cash flow covers the profits of the last three years 726 m
- Return on capital at 15% or higher, or up versus two years ago 4.1%
- Insiders hold at least 10% or are net buyers 9.5%
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Quality check
AAQS
6/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 11.6%
- Exp. sales growth 3Y > 5% 6.6%
- EBIT growth 10Y > 5% 8.4%
- Exp. EBIT growth 3Y > 5% 14.1%
- Net debt < 4x EBIT 20.4x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 81.5%
- Return on equity > 15% 13.0%
- ROCE > 15% 4.1%
- Expected return > 10% 132.7%
View stocks with the full AAQS score · Read the methodology at AlleAktien
Source: fundamental data
Insiders
Insider Transactions
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.
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Sep 2, 2026 | Basswood Capital Management, L.l.c. | Director | Other | 23,764 | 33.10 | 786,588 |
| Sep 1, 2026 | Basswood Capital Management, L.l.c. | Director | Sell | 1,159 | 31.65 | 36,682 |
| Sep 1, 2026 | Basswood Capital Management, L.l.c. | Director | Other | 4,064 | 31.86 | 129,479 |
| Aug 24, 2026 | Atwood Catherine R | SVP and General Counsel | Sell | 200 | 35.00 | 7,000 |
| Aug 12, 2026 | Lamba Lakhbir S. | President and CEO | Buy | 3,500 | 31.76 | 111,160 |
| Aug 11, 2026 | Lamba Lakhbir S. | President and CEO | Buy | 6,500 | 31.59 | 205,335 |
| Aug 3, 2026 | Barnette Steven B | VP, Chief Accounting Officer | Other | 4,393 | 0.00 | – |
| Jul 10, 2026 | Barnette Steven B | VP, Chief Accounting Officer | Sell | 3,274 | 43.30 | 141,764 |
| Apr 21, 2026 | Fund L.P. Forager | Major Shareholder | Sell | 5,788 | 40.18 | 232,562 |
| Apr 20, 2026 | Fund L.P. Forager | Major Shareholder | Sell | 15,000 | 39.68 | 595,200 |
The company
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
- Address
- 979 Batesville Road, 29651 Greer, United States
- Phone
- 864 448 7000
- Website
- regionalmanagement.com
- IPO Date
- 03/28/2012
- ISIN
- US75902K1060
- Stock Split
- 5:1 on 08/13/2003
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 |
| Manish Parmar | Executive VP & Chief Credit Risk Officer | 1978 |
| Steven B. Barnette | VP, Corporate Controller & Chief Accounting Officer | 1980 |
| Chris Peterson | Chief Data & Analytics Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Filings
Company Filings (8-K)
An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).
Data as of: September 17, 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.