Price Alert

Regional Management Corp. (RM)

NYSE: RM · Real-Time Price · USD

38.40

0.29 (0.76%)

At close: Aug 14, 2025, 3:59 PM

38.48

0.21%

After-hours: Aug 14, 2025, 05:54 PM EDT

Regional Management Statistics

Share Statistics

Regional Management has 9.8M shares outstanding. The number of shares has increased by -2.31% in one year.

Shares Outstanding	9.8M
Shares Change (YoY)	-2.31%
Shares Change (QoQ)	0.91%
Owned by Institutions (%)	85.85%
Shares Floating	8.9M
Failed to Deliver (FTD) Shares	1
FTD / Avg. Volume	n/a

Short Selling Information

The latest short interest is 263.42K, so 2.66% of the outstanding shares have been sold short.

Short Interest	263.42K
Short % of Shares Out	2.66%
Short % of Float	3.27%
Short Ratio (days to cover)	5.38

Valuation Ratios

The PE ratio is 7.95 and the forward PE ratio is 5.31. Regional Management's PEG ratio is 0.05.

PE Ratio	7.95
Forward PE	5.31
PS Ratio	0.56
Forward PS	0.5
PB Ratio	0.92
P/FCF Ratio	1.24
PEG Ratio	0.05

Financial Ratio History

Enterprise Valuation

Regional Management has an Enterprise Value (EV) of 1.84B.

EV / Sales	3.12
EV / EBITDA	12.87
EV / EBIT	6.83
EV / FCF	6.96

Financial Position

The company has a current ratio of 0.01, with a Debt / Equity ratio of 4.24.

Current Ratio	0.01
Quick Ratio	0.01
Debt / Equity	4.24
Debt / EBITDA	10.6
Debt / FCF	5.73
Interest Coverage	3.97

Financial Efficiency

Return on Equity is 11.55% and Return on Invested Capital is 93.62%.

Return on Equity	11.55%
Return on Assets	2.16%
Return on Invested Capital	93.62%
Revenue Per Employee	$276.16K
Profits Per Employee	$19.35K
Employee Count	2,131
Asset Turnover	0.31
Inventory Turnover	n/a

Taxes

Income Tax	12.85M
Effective Tax Rate	23.76%

Stock Price Statistics

The stock price has increased by 18.42% in the last 52 weeks. The beta is 1.24, so Regional Management's price volatility has been higher than the market average.

Beta	1.24
52-Week Price Change	18.42%
50-Day Moving Average	30.63
200-Day Moving Average	31.5
Relative Strength Index (RSI)	69.5
Average Volume (20 Days)	44,311

Income Statement

In the last 12 months, Regional Management had revenue of 588.5M and earned 41.23M in profits. Earnings per share was 4.28.

Revenue	588.5M
Gross Profit	562.68M
Operating Income	295.98M
Net Income	41.23M
EBITDA	142.68M
EBIT	128.6M
Earnings Per Share (EPS)	4.28

Full Income Statement

Balance Sheet

The company has 3.95M in cash and 1.51B in debt, giving a net cash position of -1.51B.

Cash & Cash Equivalents	3.95M
Total Debt	1.51B
Net Cash	-1.51B
Retained Earnings	378.48M
Total Assets	1.97B
Working Capital	-57.14M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 268.93M and capital expenditures -5.05M, giving a free cash flow of 263.87M.

Operating Cash Flow	268.93M
Capital Expenditures	-5.05M
Free Cash Flow	263.87M
FCF Per Share	27.37

Full Cash Flow Statement

Margins

Gross margin is 95.61%, with operating and profit margins of 50.29% and 7.01%.

Gross Margin	95.61%
Operating Margin	50.29%
Pretax Margin	9.19%
Profit Margin	7.01%
EBITDA Margin	24.24%
EBIT Margin	50.29%
FCF Margin	44.84%

Dividends & Yields

RM pays an annual dividend of $1.5, which amounts to a dividend yield of 3.39%.

Dividend Per Share	$1.50
Dividend Yield	3.39%
Dividend Growth (YoY)	0%
Payout Ratio	43.35%
Earnings Yield	12.59%
FCF Yield	80.56%

Dividend Details

Analyst Forecast

The average price target for RM is $30, which is -16.4% lower than the current price. The consensus rating is "Hold".

Price Target	$30
Price Target Difference	-16.4%
Analyst Consensus	Hold
Analyst Count	2

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$50.5
Lynch Upside	40.75%
Graham Number	59.7
Graham Upside	66.39%

Scores

Altman Z-Score	0.81
Piotroski F-Score	6