Regional Management Corp. (FRA:46F)

Regional Management Statistics

Total Valuation

FRA:46F has a market cap or net worth of EUR 314.56 million. The enterprise value is 1.70 billion.

Market Cap	314.56M
Enterprise Value	1.70B

Important Dates

The next estimated earnings date is Wednesday, February 11, 2026.

Earnings Date	Feb 11, 2026
Ex-Dividend Date	Nov 25, 2025

Share Statistics

Current Share Class	9.71M
Shares Outstanding	n/a
Shares Change (YoY)	+2.28%
Shares Change (QoQ)	+2.95%
Owned by Insiders (%)	9.08%
Owned by Institutions (%)	62.08%
Float	6.85M

Valuation Ratios

The trailing PE ratio is 8.91 and the forward PE ratio is 6.39.

PE Ratio	8.91
Forward PE	6.39
PS Ratio	0.60
PB Ratio	0.99
P/TBV Ratio	1.08
P/FCF Ratio	1.28
P/OCF Ratio	1.26
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.03, with an EV/FCF ratio of 6.93.

EV / Earnings	48.22
EV / Sales	3.24
EV / EBITDA	11.03
EV / EBIT	14.51
EV / FCF	6.93

Financial Position

The company has a current ratio of 48.72, with a Debt / Equity ratio of 4.35.

Current Ratio	48.72
Quick Ratio	46.04
Debt / Equity	4.35
Debt / EBITDA	9.02
Debt / FCF	5.62
Interest Coverage	1.66

Financial Efficiency

Return on equity (ROE) is 11.43% and return on invested capital (ROIC) is 4.52%.

Return on Equity (ROE)	11.43%
Return on Assets (ROA)	4.43%
Return on Invested Capital (ROIC)	4.52%
Return on Capital Employed (ROCE)	6.85%
Revenue Per Employee	244,029
Profits Per Employee	16,565
Employee Count	2,131
Asset Turnover	0.32
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:46F has paid 11.04 million in taxes.

Income Tax	11.04M
Effective Tax Rate	23.83%

Stock Price Statistics

The stock price has increased by +17.02% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+17.02%
50-Day Moving Average	33.09
200-Day Moving Average	29.63
Relative Strength Index (RSI)	48.28
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	6.18

Income Statement

In the last 12 months, FRA:46F had revenue of EUR 520.03 million and earned 35.30 million in profits. Earnings per share was 3.52.

Revenue	520.03M
Gross Profit	318.31M
Operating Income	116.21M
Pretax Income	46.34M
Net Income	35.30M
EBITDA	129.27M
EBIT	116.21M
Earnings Per Share (EPS)	3.52

Balance Sheet

The company has 3.48 million in cash and 1.38 billion in debt, giving a net cash position of -1.38 billion.

Cash & Cash Equivalents	3.48M
Total Debt	1.38B
Net Cash	-1.38B
Net Cash Per Share	n/a
Equity (Book Value)	316.99M
Book Value Per Share	32.34
Working Capital	1.58B

Cash Flow

In the last 12 months, operating cash flow was 249.60 million and capital expenditures -4.11 million, giving a free cash flow of 245.48 million.

Operating Cash Flow	249.60M
Capital Expenditures	-4.11M
Free Cash Flow	245.48M
FCF Per Share	n/a

Margins

Gross margin is 61.21%, with operating and profit margins of 22.35% and 6.79%.

Gross Margin	61.21%
Operating Margin	22.35%
Pretax Margin	8.91%
Profit Margin	6.79%
EBITDA Margin	24.86%
EBIT Margin	22.35%
FCF Margin	47.21%

Dividends & Yields

This stock pays an annual dividend of 1.07, which amounts to a dividend yield of 3.25%.

Dividend Per Share	1.07
Dividend Yield	3.25%
Dividend Growth (YoY)	-3.33%
Years of Dividend Growth	1
Payout Ratio	28.16%
Buyback Yield	-2.28%
Shareholder Yield	0.97%
Earnings Yield	11.22%
FCF Yield	78.04%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

FRA:46F has an Altman Z-Score of 2.02 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.02
Piotroski F-Score	7