Regional Management (RM) Stock Price, News & Analysis

Company Overview

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 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, and digital partners, as well as its consumer website. The company was incorporated in 1987 and is headquartered in Greer, South Carolina.

Key Stats

• Today's Range: $42.17 to $43.36
• 50-Day Range: $27.87 to $43.32
• 52-Week Range: $25.41 to $43.36
• Volume: 47,518 shs
• Average Volume: 52,987 shs
• Market Capitalization: $424.54 million
• P/E Ratio: 12.48
• Dividend Yield: 2.77%
• Price Target: $34.00
• Consensus Rating: Moderate Buy

Regional Management Stock Analysis - MarketRank™

Regional Management scored higher than 85% of companies evaluated by MarketBeat, and ranked 234th out of 934 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Regional Management has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Regional Management has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 38.51%

Earnings Growth

Earnings for Regional Management are expected to grow by 38.51% in the coming year, from $4.70 to $6.51 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Regional Management is 12.48, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.78.

Price to Earnings Ratio vs. Sector

The P/E ratio of Regional Management is 12.48, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.44.

Price to Book Value per Share Ratio

Regional Management has a P/B Ratio of 1.17. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.76% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 5.5.

Change versus previous month

Short interest in Regional Management has recently decreased by 6.83%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Regional Management pays a meaningful dividend of 2.83%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Regional Management does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Regional Management is 34.58%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Regional Management will have a dividend payout ratio of 18.43% next year. This indicates that Regional Management will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 0.0 / 5
• Environmental Score: -0.21

Percentage of Shares Shorted

2.76% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 5.5.

Change versus previous month

Short interest in Regional Management has recently decreased by 6.83%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 1.82

News Sentiment

Regional Management has a news sentiment score of 1.82. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.18 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Regional Management this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for RM on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Regional Management insiders have bought 88.49% more of their company's stock than they have sold. Specifically, they have bought $1,022,745.00 in company stock and sold $542,602.00 in company stock.

Percentage Held by Insiders

10.80% of the stock of Regional Management is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

98.89% of the stock of Regional Management is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

RM Stock Analysis - Frequently Asked Questions

How have RM shares performed this year?

Regional Management's stock was trading at $33.98 at the beginning of the year. Since then, RM shares have increased by 27.5% and is now trading at $43.32.

How were Regional Management's earnings last quarter?

Regional Management Corp. (NYSE:RM) released its earnings results on Wednesday, July, 30th. The credit services provider reported $1.03 EPS for the quarter, beating the consensus estimate of $0.72 by $0.31. The credit services provider had revenue of $157.44 million for the quarter, compared to analysts' expectations of $155.22 million. Regional Management had a trailing twelve-month return on equity of 10.91% and a net margin of 5.68%.
Read the conference call transcript.

Who are Regional Management's major shareholders?

Top institutional shareholders of Regional Management include Forager Capital Management LLC (11.07%), Basswood Capital Management L.L.C. (10.45%), Tieton Capital Management LLC (3.01%) and Geode Capital Management LLC (2.16%). Insiders that own company stock include Fund LP Forager, Basswood Capital Management, L, Roel C Campos, Robert William Beck, John D Schachtel, Catherine R Atwood and Sandra K Johnson.
View institutional ownership trends.

How do I buy shares of Regional Management?

Shares of RM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Regional Management own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Regional Management investors own include Tesla (TSLA), NVIDIA (NVDA), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Record date for 6/11 Dividend: 5/21/2025
• Ex-Dividend for 6/11 Dividend: 5/21/2025
• Dividend Payable: 6/11/2025
• Last Earnings: 7/30/2025
• Record date for 9/10 Dividend: 8/20/2025
• Ex-Dividend for 9/10 Dividend: 8/20/2025
• Today: 8/29/2025
• Dividend Payable: 9/10/2025
• Next Earnings (Estimated): 11/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:RM
• CIK: 1519401
• Web: www.regionalmanagement.com
• Phone: (864) 448-7000
• Fax: 864-422-8035
• Employees: 2,131
• Year Founded: 1987

Price Target and Rating

• Average Price Target for Regional Management: $34.00
• High Price Target: $38.00
• Low Price Target: $30.00
• Potential Upside/Downside: -21.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.47
• Trailing P/E Ratio: 12.48
• Forward P/E Ratio: 9.22
• P/E Growth: N/A
• Net Income: $41.23 million
• Net Margins: 5.68%
• Pretax Margin: 7.45%
• Return on Equity: 10.91%
• Return on Assets: 2.05%

Debt

• Debt-to-Equity Ratio: 4.14
• Current Ratio: 45.13
• Quick Ratio: 45.13

Sales & Book Value

• Annual Sales: $588.50 million
• Price / Sales: 0.72
• Cash Flow: $4.43 per share
• Price / Cash Flow: 9.78
• Book Value: $37.04 per share
• Price / Book: 1.17

Miscellaneous

• Outstanding Shares: 9,800,000
• Free Float: 8,741,000
• Market Cap: $424.54 million
• Optionable: Optionable
• Beta: 1.25