Regional Management Corp. (RM)
NYSE: RM · Real-Time Price · USD
33.91
+1.47 (4.53%)
At close: Mar 4, 2026, 4:00 PM EST
33.91
0.00 (0.00%)
After-hours: Mar 4, 2026, 7:00 PM EST

Regional Management Statistics

Total Valuation

RM has a market cap or net worth of $318.65 million. The enterprise value is $2.00 billion.

Market Cap318.65M
Enterprise Value 2.00B

Important Dates

The last earnings date was Wednesday, February 4, 2026, after market close.

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

Share Statistics

RM has 9.40 million shares outstanding. The number of shares has increased by 0.27% in one year.

Current Share Class 9.40M
Shares Outstanding 9.40M
Shares Change (YoY) +0.27%
Shares Change (QoQ) -1.89%
Owned by Insiders (%) 9.43%
Owned by Institutions (%) 66.26%
Float 6.67M

Valuation Ratios

The trailing PE ratio is 7.62 and the forward PE ratio is 6.17.

PE Ratio 7.62
Forward PE 6.17
PS Ratio 0.51
Forward PS 0.45
PB Ratio 0.83
P/TBV Ratio 0.93
P/FCF Ratio 1.05
P/OCF Ratio 1.03
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.61, with an EV/FCF ratio of 6.58.

EV / Earnings 45.10
EV / Sales 3.21
EV / EBITDA 12.61
EV / EBIT 14.05
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) 4.83%
Revenue Per Employee $295,702
Profits Per Employee $21,028
Employee Count2,112
Asset Turnover 0.31
Inventory Turnover n/a

Taxes

In the past 12 months, RM has paid $13.37 million in taxes.

Income Tax 13.37M
Effective Tax Rate 23.13%

Stock Price Statistics

The stock price has increased by +5.94% in the last 52 weeks. The beta is 1.05, so RM's price volatility has been similar to the market average.

Beta (5Y) 1.05
52-Week Price Change +5.94%
50-Day Moving Average 36.71
200-Day Moving Average 36.17
Relative Strength Index (RSI) 46.77
Average Volume (20 Days) 69,236

Short Selling Information

The latest short interest is 302,558, so 3.22% of the outstanding shares have been sold short.

Short Interest 302,558
Short Previous Month 273,922
Short % of Shares Out 3.22%
Short % of Float 4.54%
Short Ratio (days to cover) 4.96

Income Statement

In the last 12 months, RM had revenue of $624.52 million and earned $44.41 million in profits. Earnings per share was $4.45.

Revenue624.52M
Gross Profit 379.09M
Operating Income 142.59M
Pretax Income 57.78M
Net Income 44.41M
EBITDA 158.84M
EBIT 142.59M
Earnings Per Share (EPS) $4.45
Full Income Statement

Balance Sheet

The company has $3.82 million in cash and $1.69 billion in debt, with a net cash position of -$1.68 billion or -$179.24 per share.

Cash & Cash Equivalents 3.82M
Total Debt 1.69B
Net Cash -1.68B
Net Cash Per Share -$179.24
Equity (Book Value) 373.09M
Book Value Per Share 39.05
Working Capital 1.71B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $309.07 million and capital expenditures -$4.76 million, giving a free cash flow of $304.31 million.

Operating Cash Flow 309.07M
Capital Expenditures -4.76M
Free Cash Flow 304.31M
FCF Per Share $32.38
Full Cash Flow Statement

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 $1.20, which amounts to a dividend yield of 3.54%.

Dividend Per Share $1.20
Dividend Yield 3.54%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 26.97%
Buyback Yield -0.27%
Shareholder Yield 3.26%
Earnings Yield 13.94%
FCF Yield 95.54%
Dividend Details

Analyst Forecast

The average price target for RM is $30.00, which is -11.53% lower than the current price. The consensus rating is "Hold".

Price Target $30.00
Price Target Difference -11.53%
Analyst Consensus Hold
Analyst Count 1
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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

RM 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