Regional Management Corp (RM) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Regional Management Corp stock $68.43, price $36.25, upside +88.8%, quality 61 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $18.91 – $53.47 · fair‑value band $34.94 – $150.23 · the $36.25 price screens below the $68.43 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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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.
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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.
Stock analysis
Regional Management Corp (RM) currently trades at $36.25, while our model-based Fair Value estimate is $68.43, implying the stock looks roughly 47% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $288.10 per share, and 9 of the 13 models we run sit above the $36.25 price.
Bear case: the Dividend Discount group reads lowest at $16.17, and 4 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: $34.94 (bear) to $150.23 (bull), the price of $36.25 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Regional Management Corp reported revenue of $646M in FY2025 versus $428M in FY2021, a compound +10.8%/yr. Reported net income was $44.4M in FY2025, compounding −15.9%/yr from FY2021.
Key figures
Market cap $348M Small · P/E ratio 7.4 · P/S ratio 0.54 · EPS (TTM) $4.93 · Dividend yield 3.3% · Net margin 7.2% · Return on equity 12.6% · Return on assets (EBIT) 3.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 89%, RM screens cheaper than that median.
Fair Value models
Bear$34.94Fair Value $68.43Bull$150.23
Price $36.25 · Upside +88.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.20 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director bought shares worth $316,495, on Aug 12, 2026. Over the same period, 5 people sold shares worth $2.0M.
SaleSandra K. JohnsonDirector2× since May 26, 2026: 3,700 shares, avg. $37.88$140,144Nov 5, 2026
SaleBASSWOOD CAPITAL MANAGEMENT, L.L.C.Director, 10% owner35,550 shares at $39.56$1.4MNov 5, 2026
SaleCatherine R AtwoodSVP and General Counsel5× since Feb 13, 2026: 9,000 shares, avg. $35.72$321,471Oct 29, 202610b5-1 plan
SaleForager Capital Management, LLC10% owner2× since Jan 12, 2026: 30,631 shares, avg. $32.51$995,746Sep 17, 2026
SaleBennett D LindenbaumDirector, 10% owner1,159 shares at $31.65$36,682Sep 1, 2026
BuyLakhbir S. LambaPresident and CEO, Director10,000 shares at $31.65$316,495Aug 12, 2026
SaleSteven B BarnetteVP, Chief Accounting Officer4× since Nov 24, 2025: 8,114 shares, avg. $41.13$333,708Jul 10, 2026
SaleForager Fund, L.P.10% owner5,017 shares at $38.96$195,445Apr 29, 2026
SaleRobert Symmes MacArthur10% owner3× since Jan 2, 2026: 90,159 shares, avg. $38.91$3.5MApr 21, 2026
SaleBrian J. FisherEVP, Chief Strat/Dev Officer3× since Nov 11, 2025: 25,058 shares, avg. $38.44$963,316Apr 17, 2026
Plus 8 more entries from the last 12 months.
Plus 22 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.89/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
Start year 2020 (pandemic). Over 10 years: +11.5% a year
Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+6.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.3%
Dividend (yield on the price)3.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.3.3% vs 9.6%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 12%
Compare Regional Management Corp with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+88.8% · Top 25%
Profitability
Return on equity (12 months)12.6% · Above median
Return on assets2.0% · Below median
Net margin (12 months)7.2% · Bottom 25%
Operating margin (12 months)20.8% · Below median
Growth and dividend
Revenue growth (quarter YoY)6.0% · Below median
Dividend yield (12 months)3.3% · Above median
Balance sheet
Debt / equity4.40× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Regional Management Corp (RM) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $68.43 versus a price of $36.25, about +89% upside (undervalued).
What is the fair value of RM?
Our model-based fair value for Regional Management Corp is $68.43 (as of Nov 7, 2026), built from audited fundamentals. The current price: $36.25.
What is the quality score of RM?
Regional Management Corp has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Regional Management Corp (RM)?
Our model-based price target is the fair value of $68.43 (as of Nov 7, 2026) from 13 valuation models. Cautious scenario $34.94, optimistic scenario $150.23. It is a calculation from audited fundamentals, not an analyst target.
What is the Regional Management Corp stock forecast for 2026?
Our models put fair value at $68.43, about +89% upside versus a price of $36.25 (undervalued). Cautious scenario $34.94, optimistic scenario $150.23. The calculation is refreshed regularly with new filings.
What is the revenue of Regional Management Corp (RM)?
Regional Management Corp reported trailing-twelve-month revenue of about $648M (latest available figure, as of Nov 7, 2026).
Does Regional Management Corp pay a dividend?
Regional Management Corp currently shows a dividend yield of 3.31% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Regional Management Corp (RM) and when is the ex-dividend date?
Regional Management Corp pays a dividend of $1.20 per share a year, a dividend yield of 3.3%. The last ex-dividend date was Aug 19, 2026. A dividend has been paid every year since at least 2020. The payout ratio is 24.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Regional Management Corp (RM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Regional Management Corp it is $68.43 per share (as of Nov 7, 2026), against a price of $36.25. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Regional Management Corp stock overvalued or undervalued in 2026?
As of Nov 7, 2026, RM trades below its calculated fair value: price $36.25, fair value $68.43, a gap of about +89% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RM?
No. The price is what the market pays today ($36.25); the fair value is what the company's own numbers justify ($68.43). For Regional Management Corp the two are $32.18 per share apart. That gap is exactly why we show both numbers side by side.
How much is Regional Management Corp worth?
The market values Regional Management Corp at about $348M (market capitalisation, as of Nov 7, 2026). Per share that is $36.25; our models calculate a fair value of $68.43 per share.
What do the bullish and bearish scenarios say about RM?
Our models span a range for Regional Management Corp: cautious scenario $34.94, base $68.43, optimistic $150.23 per share (as of Nov 7, 2026, price $36.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RM?
Regional Management Corp trades at a price-to-earnings ratio of 7.4 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $68.43 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2025 ex one-offs: 8.5. Other multiples: PEG 0.9, P/B 0.9, P/S 0.5, EV/EBITDA 11.2.
What is the PEG ratio of RM?
The PEG ratio of Regional Management Corp is 0.90 (P/E divided by earnings growth, as of Nov 7, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Regional Management Corp (RM)?
Balance-sheet figures for Regional Management Corp (as of Nov 7, 2026): return on equity 12.6%, debt of 4.40 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is RM from its 52-week high?
Regional Management Corp trades at $36.25, about 17% below its 52-week high of $43.50 and 20% above the low of $30.23 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $68.43 is for.
Which stocks are comparable to Regional Management Corp?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Regional Management Corp stock attractive at the current price?
The data as of Nov 7, 2026: price $36.25, calculated fair value $68.43 (+89%), Quality Score 61/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RM calculated?
We run Regional Management Corp through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $68.43 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Regional Management Corp currently trades 47% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Regional Management Corp (RM)?
The closing price on Nov 6, 2026 was $36.25. Our model-based fair value is $68.43, about +89% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Regional Management Corp right now?
The model range is unusually wide ($34.94 to $150.23). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Regional Management Corp (RM) come from?
Earnings per share at Regional Management Corp grew +8.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +14.8 %, EBIT margin −6.1 %, tax rate +2.5 %, residual (interest, one-offs) −1.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Regional Management Corp
How large is the market capitalisation of Regional Management Corp (RM)?
The market capitalisation of Regional Management Corp is $348M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Regional Management Corp (RM)?
The price-to-sales ratio of Regional Management Corp is 0.54 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Regional Management Corp (RM)?
Earnings per share at Regional Management Corp are $4.93 (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Regional Management Corp (RM)?
The dividend yield of Regional Management Corp is 3.3% (payout 24.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Regional Management Corp (RM)?
The net margin of Regional Management Corp is 7.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Regional Management Corp (RM)?
The return on equity (ROE) of Regional Management Corp is 12.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Regional Management Corp (RM)?
On an EBIT basis the return on assets of Regional Management Corp is 3.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Regional Management Corp (RM)?
The operating margin of Regional Management Corp is 20.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Regional Management Corp (RM)?
Revenue at Regional Management Corp is growing +6.0% versus a year earlier (3y avg +8.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Regional Management Corp (RM)?
Earnings per share at Regional Management Corp are growing −17.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Regional Management Corp (RM) generate?
The free cash flow of Regional Management Corp is $292M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Regional Management Corp (RM) carry?
The net debt of Regional Management Corp is $1.6B (fiscal year 2025, ≈ 5.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 7, 2026