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RMRegional Management Corp.
$41.88$394M
Overview & Verdict
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RM logoRegional Management Corp.(RM)Earnings, Financials & Key Ratios

RM•NYSE
$41.88
9.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutRegional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally managed direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of February 24, 2022, the company operated through a network of approximately 350 branches in 14 states. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.Show more
  • EBITDA$92M+35.1%
  • Net Income$44M+7.7%
  • EPS (Diluted)4.45+7.5%
  • Gross Margin52.35%+2.1%
  • EBITDA Margin14.26%+23.2%
  • Operating Margin12.45%+35.5%
  • Net Margin6.88%-1.8%
  • ROE12.16%+0.2%

RM Price & Volume

Regional Management Corp. (RM) stock price & volume — 10-year historical chart

Loading chart...

Subprime Lending Growth Faces Structural Leverage Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Strained
Cash Flow:Robust
Primary Risk:Credit cycle and funding

Key Thesis Takeaways

  • Regional Management Corp.
  • has successfully scaled revenue to $167.3 million as of 2026Q1, yet this expansion is heavily reliant on a debt-funded model with a debt-to-equity ratio of 4.42.
  • While the firm demonstrates robust cash conversion efficiency, the volatility in net margins—ranging from -5.3% to 8.7%—suggests significant sensitivity to credit cycle fluctuations.
  • Investors should monitor the sustainability of shareholder returns, currently supported by $7.5 million in quarterly buybacks, against the backdrop of persistent reliance on external debt markets.

Verdict Logic

while the stock trades at a forward P/E of 7.34, the high debt-to-equity ratio of 4.42 and historical earnings volatility warrant caution regarding the firm's long-term credit risk exposure.

RM Growth Metrics

Regional Management Corp. (RM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.5%
5 Years11.54%
3 Years8.37%
TTM-

Profit CAGR

10 Years6.63%
5 Years10.69%
3 Years-4.65%
TTM47.77%

EPS CAGR

10 Years9.53%
5 Years13.14%
3 Years-5.66%
TTM50.3%

Return on Capital

10 Years7.67%
5 Years5.05%
3 Years3.1%
Last Year4.54%

RM Recent Earnings

Regional Management Corp. (RM) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 29, 2026
Metric
Actual
Est
EPS
$1.18+21.0%
$0.97
Rev
$167M+3.6%
$162M
Q1 2026
Feb 4, 2026
Metric
Actual
Est
EPS
$1.30+1.6%
$1.28
Rev
$170M+4.0%
$163M
Q4 2025
Nov 5, 2025
Metric
Actual
Est
EPS
$1.42-2.7%
$1.46
Rev
$165M-1.6%
$168M
Q3 2025
Jul 30, 2025
Metric
Actual
Est
EPS
$1.03+43.1%
$0.72
Rev
$157M-3.3%
$163M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$1.18vs $0.97+21.0%
$167Mvs $162M+3.6%
Q1 2026Feb 4, 2026
$1.30vs $1.28+1.6%
$170Mvs $163M+4.0%
Q4 2025Nov 5, 2025
$1.42vs $1.46-2.7%
$165Mvs $168M-1.6%
Q3 2025Jul 30, 2025
$1.03vs $0.72+43.1%
$157Mvs $163M-3.3%
Based on last 12 quarters of dataView full earnings history →

Latest RM News

Recent stock market news and headlines for Regional Management Corp. (RM)

Business Wire·6 days ago
Regional Management Corp. to Report Second Quarter 2026 Results on Wednesday, July 29, 2026

GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today that it will report its second quarter 2026 results after the market closes on Wednesday, July 29, 2026. The company will hold a conference call to discuss results at 5:00 PM ET on that day. A live webcast of the conference call will be available on Regional Management's website at www.RegionalManagement.com. The dial-in number for the conference call is (877) 407-075.

Accesswire·Jun 24, 2026
Cytta Corp CEO Shareholder Update

LAS VEGAS, NV / ACCESS Newswire / June 24, 2026 / Dear Shareholders, Cytta continues to execute its strategy of creating shareholder value through the development, commercialization, and strategic ownership of proprietary technologies addressing the defense, public safety, critical infrastructure, communications, security, and autonomous systems markets. Return to OTC Reporting Status As previously disclosed, Cytta Corp (CYCA) licensed its SUPR compression technology to Reticulate Micro (RM) and received 5.1 million RM Class A shares.

Peers Comparison

Key metrics vs top competitors for Regional Management Corp. (RM)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
RM logoRMRegional Management Corp.Current
$41.88$393.54M9.419.7%6.88%12.16%2.76%
WRLD logoWRLDWorld Acceptance Corporation
$199.11$923.93M28.943.7%5.98%9.36%—
OMF logoOMFOneMain Holdings, Inc.
$59.62$6.98B9.099.09%16.12%23.62%—
PRAA logoPRAAPRA Group, Inc.
$18.03$687.68M-2.3110.36%-21.88%-25%—
SLM logoSLMSLM Corporation
$25.08$4.97B7.254.1%33.13%31.01%—
NAVI logoNAVINavient Corporation
$8.35$784.81M-10.31-23.74%-1.96%-2.45%—

Compare RM vs Peers

Regional Management Corp. (RM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WRLD

Most directly comparable listed peer for RM.

Scale Benchmark

vs FICO

Larger-name benchmark to compare RM against a more recognizable public peer.

Peer Set

Compare Top 5

vs WRLD, OMF, PRAA, SLM

RM SEC Filings & Documents

Regional Management Corp. (RM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Mar 5, 2026·SEC

Material company update

Feb 20, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 22, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 1, 2025·SEC

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RM Frequently Asked Questions

Regional Management Corp. (RM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Regional Management Corp.'s revenue?

Regional Management Corp. (RM) reported $659.9M in revenue for fiscal year 2025.

How fast is Regional Management Corp. growing?

Regional Management Corp. (RM) grew revenue by 9.7% over the past year. This is steady growth.

Is RM profitable?

Yes, Regional Management Corp. (RM) is profitable, generating $48.8M in net income for fiscal year 2025 (6.9% net margin).

Dividend & Returns
Does RM pay dividends?

Yes, Regional Management Corp. (RM) pays a dividend with a yield of 2.76%. This makes it attractive for income-focused investors.

What is RM's return on equity?

Regional Management Corp. (RM) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.

What is Regional Management Corp.'s free cash flow?

Regional Management Corp. (RM) generated $315.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in RM back in 2010?

Total return calculator · dividends reinvested · 16+ years of data

See returns →