Regional Management Corp. (RM)
NYSE: RM · Real-Time Price · USD
34.84
+0.96 (2.83%)
May 5, 2026, 4:00 PM EDT - Market closed

Regional Management Statistics

Total Valuation

RM has a market cap or net worth of $320.81 million. The enterprise value is $1.98 billion.

Market Cap320.81M
Enterprise Value 1.98B

Important Dates

The last earnings date was Wednesday, April 29, 2026, after market close.

Earnings Date Apr 29, 2026
Ex-Dividend Date May 20, 2026

Share Statistics

RM has 9.21 million shares outstanding. The number of shares has decreased by -1.33% in one year.

Current Share Class 9.21M
Shares Outstanding 9.21M
Shares Change (YoY) -1.33%
Shares Change (QoQ) -2.81%
Owned by Insiders (%) 8.91%
Owned by Institutions (%) 67.64%
Float 6.62M

Valuation Ratios

The trailing PE ratio is 7.06 and the forward PE ratio is 5.46.

PE Ratio 7.06
Forward PE 5.46
PS Ratio 0.50
Forward PS 0.45
PB Ratio 0.87
P/TBV Ratio 0.94
P/FCF Ratio 1.00
P/OCF Ratio 0.98
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.71, with an EV/FCF ratio of 6.14.

EV / Earnings 40.50
EV / Sales 3.09
EV / EBITDA 11.71
EV / EBIT 13.05
EV / FCF 6.14

Financial Position

The company has a current ratio of 40.70, with a Debt / Equity ratio of 4.42.

Current Ratio 40.70
Quick Ratio 38.63
Debt / Equity 4.42
Debt / EBITDA 8.40
Debt / FCF 5.16
Interest Coverage 1.72

Financial Efficiency

Return on equity (ROE) is 13.30% and return on invested capital (ROIC) is 5.70%.

Return on Equity (ROE) 13.30%
Return on Assets (ROA) 4.76%
Return on Invested Capital (ROIC) 5.70%
Return on Capital Employed (ROCE) 7.48%
Weighted Average Cost of Capital (WACC) 5.01%
Revenue Per Employee $302,452
Profits Per Employee $23,109
Employee Count2,112
Asset Turnover 0.32
Inventory Turnover n/a

Taxes

In the past 12 months, RM has paid $14.65 million in taxes.

Income Tax 14.65M
Effective Tax Rate 23.08%

Stock Price Statistics

The stock price has increased by +26.51% in the last 52 weeks. The beta is 1.02, so RM's price volatility has been similar to the market average.

Beta (5Y) 1.02
52-Week Price Change +26.51%
50-Day Moving Average 34.46
200-Day Moving Average 37.37
Relative Strength Index (RSI) 42.73
Average Volume (20 Days) 64,957

Short Selling Information

The latest short interest is 340,866, so 3.70% of the outstanding shares have been sold short.

Short Interest 340,866
Short Previous Month 349,633
Short % of Shares Out 3.70%
Short % of Float 5.15%
Short Ratio (days to cover) 5.53

Income Statement

In the last 12 months, RM had revenue of $638.78 million and earned $48.81 million in profits. Earnings per share was $4.93.

Revenue638.78M
Gross Profit 386.47M
Operating Income 151.42M
Pretax Income 63.45M
Net Income 48.81M
EBITDA 168.83M
EBIT 151.42M
Earnings Per Share (EPS) $4.93
Full Income Statement

Balance Sheet

The company has $4.86 million in cash and $1.66 billion in debt, with a net cash position of -$1.66 billion or -$179.82 per share.

Cash & Cash Equivalents 4.86M
Total Debt 1.66B
Net Cash -1.66B
Net Cash Per Share -$179.82
Equity (Book Value) 375.85M
Book Value Per Share 40.25
Working Capital 1.89B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $326.41 million and capital expenditures -$4.60 million, giving a free cash flow of $321.82 million.

Operating Cash Flow 326.41M
Capital Expenditures -4.60M
Depreciation & Amortization 17.41M
Net Borrowing 142.56M
Free Cash Flow 321.82M
FCF Per Share $34.95
Full Cash Flow Statement

Margins

Gross margin is 60.50%, with operating and profit margins of 23.70% and 7.64%.

Gross Margin 60.50%
Operating Margin 23.70%
Pretax Margin 9.93%
Profit Margin 7.64%
EBITDA Margin 26.43%
EBIT Margin 23.70%
FCF Margin 50.38%

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 3.44%.

Dividend Per Share $1.20
Dividend Yield 3.44%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 24.32%
Buyback Yield 1.33%
Shareholder Yield 4.78%
Earnings Yield 15.21%
FCF Yield 100.31%
Dividend Details

Analyst Forecast

The average price target for RM is $30.00, which is -13.89% lower than the current price. The consensus rating is "Hold".

Price Target $30.00
Price Target Difference -13.89%
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 2.05 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.05
Piotroski F-Score 6