Regional Management Corp. (FRA:46F)

Regional Management Statistics

Total Valuation

FRA:46F has a market cap or net worth of EUR 275.97 million. The enterprise value is 1.71 billion.

Market Cap	275.97M
Enterprise Value	1.71B

Important Dates

The last earnings date was Wednesday, February 4, 2026.

Earnings Date	Feb 4, 2026
Ex-Dividend Date	Feb 19, 2026

Share Statistics

Current Share Class	9.40M
Shares Outstanding	n/a
Shares Change (YoY)	+0.27%
Shares Change (QoQ)	-1.89%
Owned by Insiders (%)	9.10%
Owned by Institutions (%)	66.30%
Float	6.67M

Valuation Ratios

The trailing PE ratio is 7.30 and the forward PE ratio is 6.01.

PE Ratio	7.30
Forward PE	6.01
PS Ratio	0.52
PB Ratio	0.87
P/TBV Ratio	0.95
P/FCF Ratio	1.06
P/OCF Ratio	1.05
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.74, with an EV/FCF ratio of 6.58.

EV / Earnings	45.09
EV / Sales	3.22
EV / EBITDA	10.74
EV / EBIT	14.09
EV / FCF	6.58

Financial Position

The company has a current ratio of 7.22, with a Debt / Equity ratio of 4.52.

Current Ratio	7.22
Quick Ratio	6.85
Debt / Equity	4.52
Debt / EBITDA	9.03
Debt / FCF	5.55
Interest Coverage	1.68

Financial Efficiency

Return on equity (ROE) is 12.16% and return on invested capital (ROIC) is 5.42%.

Return on Equity (ROE)	12.16%
Return on Assets (ROA)	4.44%
Return on Invested Capital (ROIC)	5.42%
Return on Capital Employed (ROCE)	7.80%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	249,604
Profits Per Employee	17,750
Employee Count	2,131
Asset Turnover	0.31
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:46F has paid 11.38 million in taxes.

Income Tax	11.38M
Effective Tax Rate	23.13%

Stock Price Statistics

The stock price has decreased by -16.18% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-16.18%
50-Day Moving Average	31.36
200-Day Moving Average	30.50
Relative Strength Index (RSI)	44.12
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)	4.56

Income Statement

In the last 12 months, FRA:46F had revenue of EUR 531.91 million and earned 37.83 million in profits. Earnings per share was 3.79.

Revenue	531.91M
Gross Profit	322.87M
Operating Income	121.44M
Pretax Income	49.21M
Net Income	37.83M
EBITDA	135.28M
EBIT	121.44M
Earnings Per Share (EPS)	3.79

Balance Sheet

The company has 3.26 million in cash and 1.44 billion in debt, with a net cash position of -1.43 billion.

Cash & Cash Equivalents	3.26M
Total Debt	1.44B
Net Cash	-1.43B
Net Cash Per Share	n/a
Equity (Book Value)	317.76M
Book Value Per Share	33.26
Working Capital	1.46B

Cash Flow

In the last 12 months, operating cash flow was 263.23 million and capital expenditures -4.06 million, giving a free cash flow of 259.18 million.

Operating Cash Flow	263.23M
Capital Expenditures	-4.06M
Free Cash Flow	259.18M
FCF Per Share	n/a

Margins

Gross margin is 60.70%, with operating and profit margins of 22.83% and 7.11%.

Gross Margin	60.70%
Operating Margin	22.83%
Pretax Margin	9.25%
Profit Margin	7.11%
EBITDA Margin	25.43%
EBIT Margin	22.83%
FCF Margin	48.73%

Dividends & Yields

This stock pays an annual dividend of 1.04, which amounts to a dividend yield of 3.58%.

Dividend Per Share	1.04
Dividend Yield	3.58%
Dividend Growth (YoY)	-7.34%
Years of Dividend Growth	n/a
Payout Ratio	27.38%
Buyback Yield	-0.27%
Shareholder Yield	3.31%
Earnings Yield	13.71%
FCF Yield	93.91%

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 1.89 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	1.89
Piotroski F-Score	6