RM PE Ratio & Valuation, Is RM Overvalued

Historical Valuation

Regional Management Corp (RM) is now in the Fair zone, suggesting that its current forward PE ratio of 6.74 is considered Fairly compared with the five-year average of 7.01. The fair price of Regional Management Corp (RM) is between 27.21 to 39.16 according to relative valuation method.

Relative Value

Fair Zone

27.21-39.16

Current Price：31.75

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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Regional Management Corp (RM) has a current Price-to-Book (P/B) ratio of 1.03. Compared to its 3-year average P/B ratio of 0.88, the current P/B ratio is approximately 18.07% higher. Relative to its 5-year average P/B ratio of 1.14, the current P/B ratio is about -9.40% higher. Regional Management Corp (RM) has a Forward Free Cash Flow (FCF) yield of approximately 75.57%. Compared to its 3-year average FCF yield of 84.52%, the current FCF yield is approximately -10.59% lower. Relative to its 5-year average FCF yield of 69.12%, the current FCF yield is about 9.33% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for RM competitors is 0.75, providing a benchmark for relative valuation. Regional Management Corp Corp (RM.N) exhibits a P/S ratio of 0.55, which is -26.44% above the industry average. Given its robust revenue growth of 9.60%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of RM increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of RM in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is RM currently overvalued or undervalued?

What is Regional Management Corp (RM) fair value?

RM's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Regional Management Corp (RM) is between 27.21 to 39.16 according to relative valuation method.

How does RM's valuation metrics compare to the industry average?

The average P/S ratio for RM's competitors is 0.75, providing a benchmark for relative valuation. Regional Management Corp Corp (RM) exhibits a P/S ratio of 0.55, which is -26.44% above the industry average. Given its robust revenue growth of 9.60%, this premium appears unsustainable.

What is the current P/B ratio for Regional Management Corp (RM) as of Mar 31 2026?

As of Mar 31 2026, Regional Management Corp (RM) has a P/B ratio of 1.03. This indicates that the market values RM at 1.03 times its book value.

What is the current FCF Yield for Regional Management Corp (RM) as of Mar 31 2026?

As of Mar 31 2026, Regional Management Corp (RM) has a FCF Yield of 75.57%. This means that for every dollar of Regional Management Corp's market capitalization, the company generates 75.57 cents in free cash flow.

What is the current Forward P/E ratio for Regional Management Corp (RM) as of Mar 31 2026?

As of Mar 31 2026, Regional Management Corp (RM) has a Forward P/E ratio of 6.74. This means the market is willing to pay $6.74 for every dollar of Regional Management Corp's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Regional Management Corp (RM) as of Mar 31 2026?

As of Mar 31 2026, Regional Management Corp (RM) has a Forward P/S ratio of 0.55. This means the market is valuing RM at $0.55 for every dollar of expected revenue over the next 12 months.

RM Valuation