Regional Management Corp.
Company & revenue
About Regional Management Corp.
Financial breakdown: year ended 2025-12-31
Who they are
Regional Management Corp. (RMC) functions as a broad-based financial services provider, concentrating on offering consumer installment loans. Its primary focus is on serving individuals across the United States who face challenges in securing credit through conventional channels such as banks, savings institutions, and credit card companies. RMC's product portfolio includes a range of personal installment loans, varying in size, along with retail financing options designed to help customers acquire items like furniture and appliances.
Brands & revenue mix
The primary consumer-facing brand for branch locations and online lending.
Separate brand revenue is not available in this research.Source
The corporate and investor-facing identity.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Customer concentrationPREMIUM
The company does not disclose significant customer concentration, as its business model involves a large, diversified base of individual consumer borrowers.
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
67
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
54
Fair
Financial Strength
32
Business Quality / Moat
90
Management
45
Growth Quality
44
Risk / Durability
59
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
70
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
66/100
Building Historical Record
Model Score 66/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for RM
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can RM maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is RM's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is RM's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is RM's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
67
Opportunity Score
70
Market Cap
$292.8M
P/E Ratio
6.0
EPS
$4.98
52-Week High
$44.30
52-Week Low
$29.91
Beta
0.99
Intrinsic Value
$125.74
Shares Outstanding
9.9M
Total Revenue
$670.5M
Total Debt
$1.72B
Dividend Yield
4.15%
Liquidation Value / Share
$38.10
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for RM
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on RM.
What the Bulls Say
- +Product opportunity: Regional Management Corp. (RMC) functions as a broad-based financial services provider, concentrating on offering consumer installment loans. Its primary focus is on serving individuals across the United States who face challenges in securing credit through conventional channels such as banks, savings institutions, and credit card companies. RMC's product portfolio includes a range of personal installment loans, varying in size, along with retail financing options designed to help customers acqu.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
No strong bearish data point is currently available.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
58
Jul 24, 2026
Change
+8.7
points
Current Score
67
Oct 1, 2026
Category Changes
RM increased 8.7 points because Revenue improved by 6.1 points, Asset improved by 6.7 points, Capital improved by 8 points.
Positive Contributors
- + Revenue improved by 6.1 points
- + Asset improved by 6.7 points
- + Capital improved by 8 points
- + Valuation improved by 15 points
- + Buffett improved by 3.6 points
Projected Score
Projected Score
67
Projected Change
+40.0%
Preliminary comparable-period financial changes suggest improvement of approximately 0.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$31.80
Intrinsic Value
$125.74
Difference
−$93.94
-74.7% vs IV
Margin of Safety
74.7%
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