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RM

Regional Management Corp.

RM

NYSE·Financial Services·Financial - Credit Services·Mkt cap $390.0M

$41.66

▼ -1.63%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$30.46 - $46.00

P/E

8.35

Fwd P/E

7.45

Beta

1.02

Div Yield

2.83%

Avg Vol

61.3K

Shares Out

9.4M

Mkt Cap

$390.0M

Price action

Price chart

Up 32.8% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

4 reasons

  • Established branch network of 350+ locations across 14 states providing local market presence
  • Specialized expertise in non-prime lending to underserved borrowers with limited credit access
  • Diversified loan sourcing channels (branches, direct mail, digital partners, retailers) reducing customer acquisition concentration
  • Integrated insurance products generating additional revenue streams and customer lifetime value
▼

Bear Case

1 risk

  • Average volatility.

Growth

Stable outlook

Expansion of digital and online lending channels to reach broader customer base

Value

Undervalued - trading well below Digital Payments peers

Momentum

Hot

+27.9% over 3m

Quality

Excellent

Exceptional business - top-tier fundamentals

Dividend

Solid

2.83% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 28, 2026

“
Q2 26 RECAP

APR 29, 2026

Reported EPS of $1.18 vs $0.98 consensus (+21.0% surprise). Revenue of $167.3M vs $161.6M expected (+3.5%). Beat on both top and bottom lines.

EPS beat +21.0%
Rev beat +3.5%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+21.0%

Next: Apr 28, 2026

Revenue trend · last 8Q

—

—

+9%

+5%

+9%

+13%

+26%

+9%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$125.2M

$127.0M

$135.0M

$153.0M

$157.4M

$165.5M

$169.7M

$167.3M

Margins · last 8Q

Gross

—

Operating

—

Profit

6.8%

View full earnings history →

Wall Street consensus

2 analysts · 100% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

2

100%

Hold

0%

Sell

0%

Median Price Target

—

Latest: Citi · Jun 17, 2026

View full analyst page →

vs Industry

How RM stacks vs Financial - Credit Services

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.