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RM

Regional Management Corp
$
31.110
-0.08(-0.256%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings
Line
Line
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Candle
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
31.7348
Open
31.130
VWAP
31.12
Vol
37.02K
Mkt Cap
308.63M
Low
30.845
Amount
1.15M
EV/EBITDA(TTM)
13.21
Total Shares
9.90M
EV
1.77B
EV/OCF(TTM)
6.47
P/S(TTM)
0.52
Regional Management Corp. is a diversified consumer finance company. The Company provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. The Company operates under the name Regional Finance online and in branch locations in 19 states across the United States. Its loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. It sources loans through its multiple channel platform, which includes branches, centrally managed direct mail campaigns, digital partners, and its consumer Website. Its core products are large and small installment loans. It also offers its customers optional payment and collateral protection insurance, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance.
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Market Estimates

Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2025Q3
FY2025Q2
169.14M
+9.24%
1.470
+50%
161.28M
+10.21%
1.458
+91.84%
155.21M
+8.52%
0.716
-16.74%
Estimates Revision
The market is revising Upward the revenue expectations for Regional Management Corp. (RM) for FY2025, with the revenue forecasts being adjusted by 1.69% over the past three months. During the same period, the stock price has changed by 12.68%.
Revenue Estimates for FY2025
Revise Upward
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+1.69%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
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-10.8%
In Past 3 Month
Stock Price
Go Up
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+12.68%
In Past 3 Month
1 Analyst Rating
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12.50% Upside
Wall Street analysts forecast RM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for RM is 35.00 USD with a low forecast of 35.00 USD and a high forecast of 35.00  USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
0 Buy
1 Hold
0 Sell
Hold
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12.50% Upside
Current: 31.110
sliders
Low
35.00
Averages
35.00
High
35.00
Stephens & Co.
Kyle Joseph
Hold
Initiates
$30
2024-11-13
Reason
Stephens analyst Kyle Joseph initiated coverage of Regional Management with an Overweight rating and $38 price target. The firm initiated coverage on 13 alternative consumer finance names, saying COVID-19 and the corresponding $6 trillion of stimulus impacted nonprime finance companies across the board, in some positive and some negative lights. Some industries like auto and lenders with longer duration portfolios are still feeling some lingering impacts, including affordability and underperforming back-books, respectively, the analyst tells investors in a research note. Stephens believes affordability issues are weighing on sales and more than offsetting consumer's increased need for financing and some tighter credit broadly. It sees challenging conditions persisting, but "solid companies emerging on the other side in a less competitive world."
Keefe, Bruyette & Woods
Sanjay Sakhrani
Hold
Maintains
$28 → $33
2024-08-01
Reason

Valuation Metrics

The current forward P/E ratio for Regional Management Corp (RM.N) is 5.97, compared to its 5-year average forward P/E of 6.95. For a more detailed relative valuation and DCF analysis to assess Regional Management Corp 's fair value, click here.

Forward PE

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
6.95
Current PE
5.97
Overvalued PE
8.66
Undervalued PE
5.24

Forward EV/EBITDA

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average EV/EBITDA
11.65
Current EV/EBITDA
11.75
Overvalued EV/EBITDA
14.29
Undervalued EV/EBITDA
9.01

Forward PS

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PS
0.68
Current PS
0.47
Overvalued PS
0.97
Undervalued PS
0.40

Financials

Annual
Quarterly
FY2025Q1
YoY :
+6.00%
152.97M
Total Revenue
FY2025Q1
YoY :
-22.72%
28.93M
Operating Profit
FY2025Q1
YoY :
-53.92%
7.01M
Net Income after Tax
FY2025Q1
YoY :
-55.13%
0.70
EPS - Diluted
FY2025Q1
YoY :
+7.92%
59.19M
Free Cash Flow
FY2025Q1
YoY :
-1.06%
42.85
FCF Margin - %
FY2025Q1
YoY :
-56.55%
4.58
Net Margin - %
FY2025Q1
YoY :
+15.52%
5.21
ROIC

Trading Trends

Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
362.7K
USD
4
3-6
Months
0.0
USD
0
6-9
Months
4.1M
USD
14
0-12
Months
0.0
USD
0
Bought
0-3
6
1.9M
USD
Months
3-6
0
0.0
USD
Months
6-9
2
126.2K
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds areBuying! The buying amount has increased 553.61% over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months

RM News & Events

Events Timeline

2025-07-30 (ET)
2025-07-30
16:29:42
Regional Management reports Q2 EPS $1.03, consensus 72c
select
2025-04-30 (ET)
2025-04-30
16:19:22
Regional Management reports Q1 EPS 70c, consensus 68c
select
2025-03-31 (ET)
2025-03-31
06:21:53
Regional Management price target lowered to $33 from $38 at Keefe Bruyette
select
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News

9.5
10:11 AMNewsfilter
PinnedRegional Management Corp. (RM) Q2 2025 Earnings Call Transcript
9.5
07-02Newsfilter
Regional Management Corp. to Report Second Quarter 2025 Results on Wednesday, July 30, 2025
4.0
05-02NASDAQ.COM
Validea Peter Lynch Strategy Daily Upgrade Report - 5/2/2025
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FAQ

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What is Regional Management Corp (RM) stock price today?

The current price of RM is 31.11 USD — it has decreased -0.26 % in the last trading day.

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What is Regional Management Corp (RM)'s revenue for the last quarter?

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What is Regional Management Corp (RM)'s earnings per share (EPS) for the last quarter?

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How many employees does Regional Management Corp (RM). have?

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