Regional Management Corp. (NYSE: RM) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 6.58 | EPS (ttm) | 4.98 | Insider Own | 48.82% | Shs Outstand | 9.21M | Perf Week | 1.61% |
| Market Cap | 301.94M | Forward P/E | 5.36 | EPS next Y | 6.12 | Insider Trans | -2.71% | Shs Float | 8.27M | Perf Month | -22.85% |
| Enterprise Value | 2.01B | PEG | 0.17 | EPS next Q | 1.45 | Inst Own | - | Short Float | 5.50% | Perf Quarter | -6.23% |
| Income | 47.98M | P/S | 0.45 | EPS this Y | 4.42% | Inst Trans | - | Short Ratio | 7.07 | Perf Half Y | -4.87% |
| Sales | 670.45M | P/B | 0.78 | EPS next Y | 23.34% | ROA | 2.20% | Short Interest | 455.35K | Perf YTD | -15.38% |
| Book/sh | - | P/C | 0.90 | EPS next 5Y | 9.25% | ROE | 12.49% | 52W High | 44.54 -28.72% | Perf Year | -4.49% |
| Cash/sh | - | P/FCF | 0.95 | EPS past 3/5Y | -5.66% 13.14% | ROIC | 4.76% | 52W Low | 29.49 7.65% | Perf 3Y | 2.12% |
| Dividend Est. | 1.20 (3.78%) | EV/EBITDA | 13.66 | Sales past 3/5Y | 8.41% 11.55% | Gross Margin | 75.65% | Volatility | 5.90% 4.90% | Perf 5Y | -36.61% |
| Dividend TTM | 1.20 (3.78%) | EV/Sales | 3.00 | EPS Y/Y TTM | 14.73% | Oper. Margin | 19.24% | ATR (14) | 2.06 | Perf 10Y | 73.86% |
| Dividend Ex-Date | Aug 19, 2026 | Quick Ratio | 64.04 | Sales Y/Y TTM | 13.75% | Profit Margin | 6.98% | RSI (14) | 33.02 | Recom | 2.88 |
| Dividend Gr. 3/5Y | 0.00% 43.10% | Current Ratio | 64.04 | EPS Q/Q | -17.48% | SMA20 | -15.99% | Beta | 0.97 | Target Price | - |
| Payout | 24.84% | Debt/Eq | 4.54 | Sales Q/Q | 7.01% | SMA50 | -15.24% | Rel Volume | 0.80 | Prev Close | 32.79 |
| Employees | 2,112 | LT Debt/Eq | 4.02 | Earnings | Nov 03 | SMA200 | -11.40% | Avg Volume | 75.03K | Price | 31.75 |
| IPO Date | Mar 28, 2012 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 5.21% 1.40% | Net Debt/EBITDA | 11.61 | Volume | 60,127 | Change | -3.19% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| May-21-26 | Upgrade | Citizens | Market Perform → Market Outperform | |
| Sep-29-21 | Downgrade | JMP Securities | Market Outperform → Market Perform | |
| Jun-09-21 | Downgrade | BMO Capital | Outperform → Market Perform | |
| Nov-12-20 | Downgrade | Janney Capital | Buy → Neutral | |
| Nov-12-20 | Downgrade | Janney Montgomery Scott | Buy → Neutral | |
| May-15-20 | Upgrade | BMO Capital | Market Perform → Outperform | |
| Jun-13-17 | Upgrade | JMP Securities | Market Perform → Market Outperform | |
| Nov-18-16 | Downgrade | BMO Capital | Outperform → Market Perform | |
| Sep-23-15 | Upgrade | Jefferies | Hold → Buy | |
| May-13-15 | Downgrade | B of A Securities | Buy → Neutral |
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. In addition to its lending activities, the company furnishes a variety of insurance products, which include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment coverage, as well as collateral protection and reinsurance services. The company leverages multiple avenues to originate its loans, including its network of physical branches, centrally managed direct marketing campaigns, collaborations with digital partners, retail alliances, and its dedicated consumer-facing website. As of February 24, 2022, RMC operated a substantial branch network comprising approximately 350 locations situated across 14 states. Founded in 1987, Regional Management Corp. maintains its corporate headquarters in Greer, South Carolina.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 670 | 646 | 589 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 163 | 308 | 287 | — | — | — | — | — | — | |
| Gross Profit | 507 | 338 | 302 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 264 | 240 | 222 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 115 | 18 | 26 | — | — | — | — | — | — | |
| Operating Income | 130 | 80 | 54 | — | — | — | — | — | — | |
| Interest Expense | 91 | 85 | 75 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 22 | 62 | 75 | — | — | — | — | — | — | |
| Net Income Before Taxes | 61 | 58 | 54 | — | — | — | — | — | — | |
| Income Taxes | 13 | 13 | 13 | — | — | — | — | — | — | |
| Consolidated Net Income | 46 | 44 | 41 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 46 | 44 | 41 | — | — | — | — | — | — | |
| Net Income | 46 | 44 | 41 | — | — | — | — | — | — | |
| EPS (Recurring) | 4.98 | 4.63 | 4.28 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 4.98 | 4.63 | 4.28 | — | — | — | — | — | — | |
| EPS (Diluted) | 4.75 | 4.45 | 4.14 | — | — | — | — | — | — | |
| EBITDA | 147 | 92 | 68 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 6.68 | 8.71 | 8.21 | — | — | — | — | — | — | |
| Price To Sales Ratio | 0.43 | 0.60 | 0.58 | — | — | — | — | — | — | |
| Gross Margin | 75.67 | 52.32 | 51.27 | — | — | — | — | — | — | |
| Operating Margin | 19.40 | 12.38 | 9.17 | — | — | — | — | — | — | |
| Net Margin | 6.87 | 6.81 | 6.96 | — | — | — | — | — | — | |
| Shares Outstanding | 9 | 10 | 10 | — | — | — | — | — | — | |
| Market Capitalization | 286 | 388 | 340 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Barnette Steven B | VP, Chief Accounting Officer | Jul 10 '26 | Sale | 43.30 | 3,274 | 141,764 | 13,472 | Jul 14 |
| Barnette Steven B | VP, Chief Accounting Officer | Jul 01 '26 | Sale | 42.04 | 1,600 | 67,264 | 16,746 | Jul 02 |
| Johnson Sandra K. | Director | May 26 '26 | Sale | 36.00 | 1,000 | 36,000 | 21,933 | May 27 |
| Atwood Catherine R | SVP and General Counsel | May 11 '26 | Sale | 35.06 | 3,000 | 105,180 | 40,942 | May 11 |
| Forager Fund, L.P. | 10% Owner | Apr 29 '26 | Sale | 38.50 | 2,916 | 112,266 | 948,458 | Apr 30 |
| Forager Fund, L.P. | 10% Owner | Apr 28 '26 | Sale | 39.59 | 2,101 | 83,179 | 951,374 | Apr 30 |
| Forager Fund, L.P. | 10% Owner | Apr 21 '26 | Sale | 40.18 | 5,788 | 232,562 | 953,475 | Apr 21 |
| Forager Fund, L.P. | 10% Owner | Apr 20 '26 | Sale | 39.68 | 15,000 | 595,200 | 959,263 | Apr 21 |
| Forager Fund, L.P. | 10% Owner | Apr 17 '26 | Sale | 38.56 | 7,173 | 276,591 | 974,263 | Apr 21 |
| Barnette Steven B | VP, Chief Accounting Officer | Apr 17 '26 | Sale | 40.00 | 1,600 | 64,000 | 18,346 | Apr 20 |
| Fisher Brian J. | EVP, Chief Strat/Dev Officer | Apr 17 '26 | Sale | 38.95 | 2,961 | 115,331 | 27,745 | Apr 17 |
| Fisher Brian J. | EVP, Chief Strat/Dev Officer | Apr 15 '26 | Option Exercise | 19.99 | 8,918 | 178,271 | 36,663 | Apr 17 |
| Forager Fund, L.P. | 10% Owner | Apr 16 '26 | Sale | 38.48 | 12,827 | 493,583 | 981,436 | Apr 16 |
| Forager Fund, L.P. | 10% Owner | Apr 15 '26 | Sale | 38.06 | 17,602 | 669,932 | 994,263 | Apr 16 |
| Fisher Brian J. | EVP, Chief Strat/Dev Officer | Apr 15 '26 | Sale | 38.09 | 5,457 | 207,857 | 27,745 | Apr 16 |