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Regional Management Corp (RM) Fair Value & Analysis

Financial Services · US · Market cap $344M

Price$38.93
Fair Value$62.70
Upside+61.1%
Quality95/100
Evidence: High Range $47.03 – $78.38

Fair value as of: Jun 26, 2026

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Analysis

Regional Management Corp (RM) currently trades at $38.93, while our model-based Fair Value estimate is $62.70 — implying the stock looks roughly 61.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

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Frequently asked questions

Is Regional Management Corp (RM) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $62.70 versus a price of $38.93 — about +61% (undervalued). Model-based estimate, not financial advice.
What is the fair value of RM?
Our 21-model fair value for Regional Management Corp is $62.70 (as of Jun 26, 2026), built from audited fundamentals. The current price is $38.93.
What is the quality score of RM?
Regional Management Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.