Is Regional Management Corp. (RM) Overvalued?
We dive into why Regional Management Corp. (RM) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Rosalio Madrigal
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COMPANY SUMMARY
Regional 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 loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
Commentary & Analysis
Why Regional Management Corp.’s (RM) Stock Is Up 7.59%
As of Monday, August 03, Regional Management Corp.’s RM share price has surged by 7.59%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Regional Management Corp.’s (RM) Stock Is Down 24.86%
As of Thursday, July 30, Regional Management Corp.’s RM share price has dipped by 24.86%, which has investors questioning if this is right time to buy.Omar Beirat
Why Regional Management Corp.’s (RM) Stock Is Down 20.77%
As of Thursday, July 30, Regional Management Corp.’s RM share price has dipped by 20.77%, which has investors questioning if this is right time to buy.Rosalio Madrigal
What You Need to Know About Regional Management Corp.'s Q3 Earnings
Regional Management Corp.'s fiscal Q3 earnings report was released on Wednesday, July 29. Let's dive in to see if (RM) missed or beat analyst's expectations.Rosalio Madrigal
Financial Summary
| Share Statistics | RM | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $307.5 | $1,213.4 | 31% |
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| Shares Out (Mil) | 9.6 | 36.6 | 20% |
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| Institutional Ownership | 87.4% | 78.3% | 55% |
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| Float (Mil) | 6.5 | 32.9 | 14% |
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| Beta | 0.99 | 1.02 | 60% |
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| Avg Daily Volume (000s) | 102 | 450 | 35% |
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| Price Change (52-week) |
(12.5%) | 80.0% | 35% |
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| Growth | RM | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 11.4% | 8.6% | 63% |
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| Net Income (5yr) | 10.7% | 14.1% | 56% |
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| EPS (5yr) | 13.1% | 15.9% | 52 |
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| Dividends (5yr) | 43.1% | 0.0% | 82% |
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| Cash Flow (5yr) | (37.0%) | (2.8%) | 13% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $1.457 | $4.953 | $5.827 | |
| Month Ago EPS | $1.880 | $5.600 | $7.365 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.903 | $5.600 | $7.365 | |
| Year/Year Chg | 71.4% | 11.3% | 33.0% | |
| Financials | RM | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $648 | $1,268 | 44% |
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| Net Income (TTM) (Mil) | $47 | $154 | 54% |
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| EPS (TTM) | $5.096 | $1.700 | 86% |
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| Operating Cash Flow (TTM) (Mil) | $329 | $247 | 65% |
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| Net Cash Flow (TTM) (Mil) | ($3) | $2 | 35% |
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| Long-Term Debt (Q1) (Mil) | $1,718 | $963 | 72% |
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| Enterprise Value (Q1) (Mil) | $2,009 | $1,294 | 49% |
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| Valuation | RM | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.82 | 1.32 | 16% |
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| P/E | 7.0 | 10.0 | 8% |
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| Dividend Yield | 3.6% | 0.0% | 88% |
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| PEG (5yr hist) | 0.5 | 0.5 | 26% |
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| Ratios | RM | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 59.8% | 75.8% | 72% |
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| Net Margin | 7.2% | 14.6% | 55% |
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| ROA | 2.3% | 2.8% | 57% |
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| ROE | 12.6% | 14.4% | 65% |
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| Liabilities to Assets | 82.2% | 78.5% | 76% |
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| F-Score | 7 | 5 | 82% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Non-Utility) Screen
Factors: Yield, Value, Quality
Credited as one of the fathers of in-depth security analysis, Graham's approach focuses on the concept of intrinsic value.
| Performance Since Inception: | 11.8% |
| +/- S&P 500: | +4.3 |
FACTOR STRATEGY
Insider Net Purchases Screen
Factors: Other
A stock screen designed to find small-cap companies that have more stock purchased than sold by insiders.
| Performance Since Inception: | -2.4% |
| +/- S&P 500: | -9.9 |
