RM Share Price | Regional Management Corp. Stock Analysis & Recommendation

Q: What does Regional Management Corp. do?

Overview: Regional Management Corp. is a diversified consumer finance company operating in the finance industry, primarily serving customers with limited access to traditional credit.Financial Snapshot: Most recent Net Sales: 153 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 7 Million (Quarterly Results - Mar 2025) Market-cap: USD 383.83 Million (Micro Cap)Key Metrics: P/E: 12.00 Dividend Yield: 3.08% Debt Equity: -999,999.00 Return on Equity: 9.23% Price to Book: 1.07Contact Details: Address: 979 Batesville Rd Ste B, GREER SC: 29651-6819 Tel: ['1 864 4487000', '1 203 6828331'] Fax: 1 302 6555049 Website: http://www.regionalmanagement.com/

Q: Is Regional Management Corp. technically bullish or bearish?

As of 15 August 2025, the technical trend for Regional Management Corp. has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, while Bollinger Bands and On-Balance Volume (OBV) also indicate bullish conditions. However, the weekly RSI is bearish, suggesting some short-term weakness. Moving averages are bullish on the daily time frame, reinforcing the overall positive trend.In terms of performance, Regional Management Corp. has outperformed the S&P 500 across multiple periods, with a year-to-date return of 34.02% compared to the S&P 500's 12.22%, and a one-year return of 41.43% versus 17.14% for the index.

Q: Is Regional Management Corp. overvalued or undervalued?

As of 31 October 2025, the valuation grade for Regional Management Corp. moved from fair to attractive, indicating a favorable shift in its valuation outlook. The company is currently considered undervalued, supported by a P/E ratio of 12, an EV to EBITDA ratio of 0.73, and a PEG ratio of 0.26. In comparison to peers, World Acceptance Corp. has a P/E of 11.48, while Velocity Financial, Inc. shows a very attractive valuation with a P/E of 9.22.Despite a recent dip in the stock's performance, with a 1-week return of -0.98% compared to the S&P 500's 0.71%, the longer-term returns are compelling, as evidenced by a 1-year return of 38.29% against the S&P 500's 19.89%. This suggests that while the stock may have faced short-term challenges, its overall valuation remains appealing relative to its peers.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

126.22 k

Shareholding (Dec 2025)

FII

4.30%

Held by 33 FIIs

DII

68.82%

Held by 28 DIIs

Promoter

0.00%

How big is Regional Management Corp.?

22-Jun-2025

As of Jun 18, Regional Management Corp. has a market capitalization of 383.83 million, with net sales of 597.17 million and a net profit of 33.03 million over the latest four quarters. Shareholder's funds are 357.08 million, and total assets amount to 1,976.39 million.

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What does Regional Management Corp. do?

22-Jun-2025

Regional Management Corp. is a diversified consumer finance company that provides credit solutions to customers with limited access to traditional financing. As of March 2025, it reported net sales of $153 million and a net profit of $7 million, with a market cap of $383.83 million.

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Who are in the management team of Regional Management Corp.?

22-Jun-2025

As of March 2022, the management team of Regional Management Corp. includes Mr. Carlos Palomares (Independent Chairman), Mr. Robert Beck (President and CEO), and several independent directors: Mr. Michael Dunn, Mr. Jonathan Brown, Mr. Roel Campos, Ms. Maria Contreras-Sweet, and Mr. Alvaro de Molina. This team provides executive leadership and governance for the company.

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Is Regional Management Corp. technically bullish or bearish?

20-Sep-2025

As of August 15, 2025, Regional Management Corp. has a bullish trend supported by strong indicators, despite a bearish weekly RSI, and has outperformed the S&P 500 with a year-to-date return of 34.02% compared to 12.22% for the index.

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Is Regional Management Corp. overvalued or undervalued?

05-Nov-2025

As of October 31, 2025, Regional Management Corp. is considered undervalued with an attractive valuation grade, supported by a P/E ratio of 12 and strong long-term returns of 38.29% over the past year, despite a recent short-term dip in performance.

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Compare Regional Management Corp. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.51%

Positive results in Jun 25

With ROE of 9.23%, it has a attractive valuation with a 1.08 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

USD 419 Million (Micro Cap)

P/E

9.00

Industry P/E

Dividend Yield

2.81%

Debt Equity

-999,999.00

Return on Equity

11.90%

Price to Book

1.12

Revenue and Profits:

Net Sales:

170 Million

(Quarterly Results - Dec 2025)

Net Profit:

13 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-21.42%

6 Months

-31.03%

1 Year

5.9%

2 Years

37.16%

3 Years

24.69%

4 Years

-32.47%

5 Years

-10.08%

Regional Management Corp. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

11.54%

EBIT Growth (5y)

14.34%

EBIT to Interest (avg)

6.16

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

23.73%

Dividend Payout Ratio

26.97%

Pledged Shares

Institutional Holding

87.89%

ROCE (avg)

146.78%

ROE (avg)

15.51%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.12

EV to EBIT

0.83

EV to EBITDA

0.80

EV to Capital Employed

1.17

EV to Sales

0.50

PEG Ratio

0.74

Dividend Yield

2.81%

ROCE (Latest)

141.05%

ROE (Latest)

11.90%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 40 Schemes (26.87%)

Foreign Institutions

Held by 33 Foreign Institutions (4.3%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY

Dec'25

Dec'24

Change(%)

Net Sales

169.70

154.80

9.63%

Operating Profit (PBDIT) excl Other Income

109.70

93.80

16.95%

Interest

22.60

19.80

14.14%

Exceptional Items

0.00

Consolidate Net Profit

12.90

9.90

30.30%

Operating Profit Margin (Excl OI)

228.70%

210.30%

1.84%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Dec 2025 is 9.63% vs 9.24% in Dec 2024

Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is 30.30% vs 230.26% in Dec 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

645.60

588.50

9.70%

Operating Profit (PBDIT) excl Other Income

404.30

354.90

13.92%

Interest

84.80

74.50

13.83%

Exceptional Items

0.00

Consolidate Net Profit

44.40

41.20

7.77%

Operating Profit Margin (Excl OI)

220.90%

218.50%

0.24%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 9.70% vs 6.73% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 7.77% vs 157.50% in Dec 2024

All Annual Results

Company CV

About Regional Management Corp.

Regional Management Corp.

Finance

Regional Management Corp. is a diversified consumer finance company. The Company provides an array of loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies and other traditional lenders. Its products include small loans, large loans, automobile loans, retail loans, and optional payment and collateral protection insurance products. It offers small loans ranging from $500 to $2,500, through its branches. It offers large installment loans with cash proceeds to the customer ranging from $2,501 to $20,000. As of December 31, 2016, automobile loans were offered in amounts up to $27,500. As of December 31, 2016, retail loans were indirect installment loans structured as retail installment sales contracts that were offered in amounts of up to $7,500. Optional Payment and Collateral Protection Insurance Products offer customers a number of optional payment and collateral protection insurance products.

Company Coordinates

Company Details

979 Batesville Rd Ste B , GREER SC : 29651-6819

Tel: 1 864 44870001 203 6828331

http://www.regionalmanagement.com/

Registrar Details