Is RM a good stock to buy right now?

Based on our 6-factor quantitative model, Regional Management Corp. (RM) receives a "Hold" rating with a composite score of 44.8/100. It is ranked #1,918 out of 4,446 stocks. Key factor scores: Quality 61/100, Value 57/100, Momentum 36/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for RM?

Regional Management Corp. (RM) has a "Hold" rating and 3-star score. The composite score of 44.8 ranks it #1,918 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is RM in?

Regional Management Corp. operates in the Financials sector (Banking industry) with a market cap of $306 million. It is classified as a small-cap stock.

Does RM pay a dividend?

Yes, RM pays a dividend with a current yield of 3.08%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $30.80 in annual dividend income.

What is RM's P/E ratio?

RM has a trailing P/E ratio of 8.29x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is RM?

RM's quality factor score is 61/100. Gross margin: 40.0%. ROE: 10.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is RM valued compared to peers?

RM's value factor score is 57/100 (higher = cheaper). Key multiples: P/E 8.3x, EV/EBITDA 38.0x. Valuation is roughly in line with peers.

What is RM's debt level?

RM's debt-to-equity ratio is 440%. Sector average: 121%. Elevated leverage increases credit risk.

RM has a beta of 1.10, meaning it tracks the market. Stability score: 57/100.

Does RM have high short interest?

RM's short interest factor score is 5/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

RM Stock Analysis: Top Small-Cap Hold (Score 44.8/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
RM	-0.47%	+9.78%	+12.43%	-6.17%	+22.96%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.40%	+6.18%	+12.09%	-5.81%	-6.56%	-	-	-
Alpha vs Sector	+0.63%	+7.28%	+11.01%	+1.14%	+12.38%	-	-	-

Metric	RM	Benchmark
P/E Ratio	8.3x	-44%
EV/EBITDA	38.0x	+1065%
Price / Book	0.9x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
RM Regional Management Corp.	45	61	57	36	8.3x	10.5%	40.0%	6.2%	15.7%	440.0x	$306M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.4%	-	0.4%	-	-	-	0.4%	0.5%	0.4%	-	0.5%
Operating Margin %	0.1%	0.1%	0.2%	0.0%	0.1%	0.3%	0.2%	0.3%	0.3%	-	0.2%
EBITDA Margin %	0.1%	0.1%	0.2%	0.0%	0.1%	0.3%	0.2%	0.3%	0.3%	-	-0.1%
Net Margin %	0.1%	0.1%	0.1%	0.0%	0.1%	0.2%	0.1%	0.1%	0.1%	-	0.1%
FCF Margin %	-29.3%	-	44.8%	-	-	-	43.1%	42.8%	46.0%	-	38.9%
ROE %	0.1%	0.1%	0.1%	0.0%	0.2%	0.3%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.0%	2.3%	5.5%	1.0%	3.1%	6.4%	5.6%	7.1%	6.8%	-11.3%	6.7%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.4%

0.5%

0.4%

0.5%

Operating Margin %

0.1%

0.2%

0.0%

0.1%

0.3%

0.2%

0.3%

0.2%

EBITDA Margin %

0.1%

0.2%

0.0%

0.1%

0.3%

0.2%

0.3%

-0.1%

Net Margin %

0.1%

0.0%

0.1%

0.2%

0.1%

FCF Margin %

-29.3%

44.8%

43.1%

42.8%

46.0%

38.9%

ROE %

0.1%

0.0%

0.2%

0.3%

0.1%

ROA %

0.0%

0.1%

0.0%

ROIC %

0.0%

2.3%

5.5%

1.0%

3.1%

6.4%

5.6%

7.1%

6.8%

-11.3%

6.7%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$622M	$646M	$589M	$551M	$507M	$428M	$374M	$356M	$307M	$0	$241M	$217M
	—	—	$223M	—	—	—	$141M	$162M	$136M	$0	$109M	$101M
Gross Margin	40.0%	---	37.8%	---	---	---	37.6%	45.6%	44.2%	---	45.1%	46.4%
	—	—	-$2M	—	—	—	-$2M	-$4M	$9M	$7M	$6M	$4M
Total Operating Expenses	—	$588M	—	$531M	$442M	$316M	—	—	—	—	—	—
	$52M	$58M	$129M	$21M	$65M	$112M	$74M	$99M	$79M	-$33M	$59M	$54M
EBIT	$52M	$58M	$129M	$21M	$65M	$112M	$74M	$99M	$79M	-$33M	$59M	$54M
EBITDA	$52M	$58M	$127M	$21M	$65M	$112M	$72M	$95M	$88M	-$26M	-$23M	$58M
Operating Margin	8.2%	8.9%	21.9%	3.8%	12.9%	26.3%	19.7%	27.9%	25.9%	---	24.5%	25.0%
EBITDA Margin	8.3%	8.9%	21.6%	3.8%	12.9%	26.3%	19.3%	26.6%	28.7%	---	-9.6%	26.8%
	—	—	—	—	—	$31M	—	$40M	$33M	—	$20M	$16M
	—	$58M	—	$21M	$65M	$112M	—	—	—	—	—	—
Income Tax Expense	—	$13M	$13M	$5M	$14M	$24M	$9M	$14M	$11M	$10M	$15M	$15M
	$39M	$44M	$41M	$16M	$51M	$89M	$27M	$45M	$35M	$30M	$24M	$23M
Net Margin	6.2%	6.9%	7.0%	2.9%	10.1%	20.7%	7.1%	12.6%	11.5%	---	10.0%	10.8%
	$4.71	$4.71	$4.28	$1.70	$5.51	$8.84	$2.45	$3.92	$3.03	$2.59	$2.03	$1.82
Diluted EPS	$4.71	$4.45	$4.28	$1.66	$5.30	$8.33	$2.45	$3.92	$3.03	$2.59	$2.03	$1.82
Weighted Avg Basic	—	9M	—	9M	9M	10M	—	—	—	—	—	—
Weighted Avg Diluted	—	10M	—	10M	10M	11M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$622M

$646M

$589M

$551M

$507M

$428M

$374M

$356M

$307M

$241M

$217M

—

$223M

—

$141M

$162M

$136M

$109M

$101M

Gross Margin

40.0%

---

37.8%

---

37.6%

45.6%

44.2%

---

45.1%

46.4%

—

-$2M

—

-$2M

-$4M

$9M

$7M

$6M

$4M

Total Operating Expenses

—

$588M

—

$531M

$442M

$316M

—

$52M

$58M

$129M

$21M

$65M

$112M

$74M

$99M

$79M

-$33M

$59M

$54M

EBIT

$52M

$58M

$129M

$21M

$65M

$112M

$74M

$99M

$79M

-$33M

$59M

$54M

EBITDA

$52M

$58M

$127M

$21M

$65M

$112M

$72M

$95M

$88M

-$26M

-$23M

$58M

Operating Margin

8.2%

8.9%

21.9%

3.8%

12.9%

26.3%

19.7%

27.9%

25.9%

---

24.5%

25.0%

EBITDA Margin

8.3%

8.9%

21.6%

3.8%

12.9%

26.3%

19.3%

26.6%

28.7%

---

-9.6%

26.8%

—

$31M

—

$40M

$33M

—

$20M

$16M

—

$58M

—

$21M

$65M

$112M

—

Income Tax Expense

—

$13M

$5M

$14M

$24M

$9M

$14M

$11M

$10M

$15M

$39M

$44M

$41M

$16M

$51M

$89M

$27M

$45M

$35M

$30M

$24M

$23M

Net Margin

6.2%

6.9%

7.0%

2.9%

10.1%

20.7%

7.1%

12.6%

11.5%

---

10.0%

10.8%

$4.71

$4.28

$1.70

$5.51

$8.84

$2.45

$3.92

$3.03

$2.59

$2.03

$1.82

Diluted EPS

$4.71

$4.45

$4.28

$1.66

$5.30

$8.33

$2.45

$3.92

$3.03

$2.59

$2.03

$1.82

Weighted Avg Basic

—

10M

—

Weighted Avg Diluted

—

10M

—

10M

11M

—

Regional Management Corp. (RM) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does Regional Management Corp. Do?

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, 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. Regional Management Corp. (RM) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Robert W. Beck and employs approximately 1,990 people, headquartered in Greer, South Carolina. With a market capitalization of $306M, RM is one of the notable companies in the Financials sector.

Regional Management Corp. (RM) Stock Rating — Hold (April 2026)

As of April 2026, Regional Management Corp. receives a Hold rating with a composite score of 44.8/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.RM ranks #1,918 out of 4,446 stocks in our coverage universe. Within the Financials sector, Regional Management Corp. ranks #552 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

RM Stock Price and 52-Week Range

Regional Management Corp. (RM) currently trades at $36.59. The stock gained $0.06 (0.2%) in the most recent trading session. The 52-week high for RM is $46.00, which means the stock is currently trading -20.5% from its annual peak. The 52-week low is $25.41, putting the stock 44.0% above its annual trough. Recent trading volume was 24K shares, suggesting relatively thin trading activity.

Is RM Overvalued or Undervalued? — Valuation Analysis

Regional Management Corp. (RM) carries a value factor score of 57/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 8.29x, compared to the Financials sector average of 14.88x — a discount of 44%. The price-to-book ratio stands at 0.87x, versus the sector average of 1.22x. The price-to-sales ratio is 0.52x, compared to 0.90x for the average Financials stock. On an enterprise value basis, RM trades at 37.98x EV/EBITDA, versus 3.26x for the sector.

Overall, RM's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Regional Management Corp. Profitability — ROE, Margins, and Quality Score

Regional Management Corp. (RM) earns a quality factor score of 61/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.5%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.9% versus the sector average of 1.2%.

On a margin basis, Regional Management Corp. reports gross margins of 40.0%. The operating margin is 8.2% (sector: 21.8%). Net profit margin stands at 6.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 15.7% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

RM Debt, Balance Sheet, and Financial Health

Regional Management Corp. has a debt-to-equity ratio of 440.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.22x, suggesting adequate working capital coverage. Total debt on the balance sheet is $1.64B. Cash and equivalents stand at $4M.

RM has a beta of 1.10, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Regional Management Corp. is 57/100, reflecting average volatility within the normal range for its sector.

Regional Management Corp. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Regional Management Corp. reported revenue of $622M and earnings per share (EPS) of $4.71. Net income for the quarter was $39M. Gross margin was 40.0%. Operating income came in at $52M.

In FY 2025, Regional Management Corp. reported revenue of $646M and earnings per share (EPS) of $4.71. Net income for the quarter was $44M. Revenue grew 9.7% year-over-year compared to FY 2024. Operating income came in at $58M.

In Q3 2025, Regional Management Corp. reported revenue of $165M and earnings per share (EPS) of $1.53. Net income for the quarter was $14M. Revenue grew 13.1% year-over-year compared to Q3 2024. Operating income came in at $19M.

In Q2 2025, Regional Management Corp. reported revenue of $157M and earnings per share (EPS) of $1.07. Net income for the quarter was $10M. Revenue grew 10.1% year-over-year compared to Q2 2024. Operating income came in at $13M.

Over the past 8 quarters, Regional Management Corp. has demonstrated a growth trajectory, with revenue expanding from $143M to $622M. Investors analyzing RM stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

RM Dividend Yield and Income Analysis

Regional Management Corp. (RM) currently pays a dividend yield of 3.1%. At this yield, a $10,000 investment in RM stock would generate approximately $$308.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning RM offers above-average income for its sector. The net margin of 6.2% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

RM Momentum and Technical Analysis Profile

Regional Management Corp. (RM) has a momentum factor score of 36/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 27/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 5/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

RM vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Regional Management Corp. (RM) ranks #552 out of 891 stocks based on the Blank Capital composite score. This places RM in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing RM against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full RM vs S&P 500 (SPY) comparison to assess how Regional Management Corp. stacks up against the broader market across all factor dimensions.

RM Next Earnings Date

No upcoming earnings date has been announced for Regional Management Corp. (RM) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy RM? — Investment Thesis Summary

Regional Management Corp. presents a balanced picture with arguments on both sides. The quality score of 61/100 indicates above-average profitability and business fundamentals. Momentum is weak at 36/100, a headwind for near-term performance.

In summary, Regional Management Corp. (RM) earns a Hold rating with a composite score of 44.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on RM stock.

Related Resources for RM Investors

Explore more research and tools: RM vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare RM head-to-head with peers: RM vs WTM, RM vs OPY, RM vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

Regional Management Corp. to Report First Quarter 2026 Results on Wednesday, April 29, 2026

Regional Management (RM) Partners With Column N.A. to Accelerate Growth

Regional Management Corp. and Column N.A. Announce New Lending Partnership to Support Growth and Returns

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

Regional Management Corp. (RM) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does Regional Management Corp. Do?

Regional Management Corp. (RM) Stock Rating — Hold (April 2026)

RM Stock Price and 52-Week Range

Is RM Overvalued or Undervalued? — Valuation Analysis

Regional Management Corp. Profitability — ROE, Margins, and Quality Score

RM Debt, Balance Sheet, and Financial Health

Regional Management Corp. Revenue and Earnings History — Quarterly Trend

RM Dividend Yield and Income Analysis

RM Momentum and Technical Analysis Profile

RM vs Competitors — Financials Sector Ranking and Peer Comparison

RM Next Earnings Date

Should You Buy RM? — Investment Thesis Summary

Related Resources for RM Investors

Comments

Institutional Benchmarks

Related research

Get alerted on rating changes

Intelligence Feed

Regional Management Corp. to Report First Quarter 2026 Results on Wednesday, April 29, 2026

Regional Management (RM) Partners With Column N.A. to Accelerate Growth

Regional Management Corp. and Column N.A. Announce New Lending Partnership to Support Growth and Returns