
Regional Management Corp.
RMNYSEFinancial ServicesFinancial - Credit Services
Previous close
$34.11
+$0.78 · +2.34%
RM company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
94
Deep Value
Momentum
70
Gaining
Sentiment
73
Bullish
Risk resilience
66
Moderate Risk
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Company profile
Company websiteRegional 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.
- Industry
- Financial - Credit Services
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Lakhbir S. Lamba
- Listed since
- Mar 28, 2012
- Employees
- 2,112
Market position
Day range
Current $34.11
52-week range
Current $34.11
- Open
- $33.58
- Previous close
- $33.33
- Volume
- 130.26K
- 1.69× average
- Average volume
- 77.26K
- Average daily volume
- Market cap
- 314.09M USD
- Beta
- 0.99
- Market reference 1
- 50-day average
- $38.0998
- -10.47% below average
- 200-day average
- $36.6637
- -6.97% below average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 2.02B USD
- P/E (TTM)
- 6.85×
- P/B (TTM)
- 0.81×
- P/S (TTM)
- 0.47×
- EV / EBITDA
- 21.95×
- Earnings yield
- 11.54%
- Free cash flow yield
- 75.88%
- Dividend yield
- 3.52%
Profitability & efficiency
- Gross margin
- 75.65%
- Operating margin
- 19.24%
- Net margin
- 6.98%
- Return on equity
- 11.90%
- Return on assets
- 2.03%
- Return on invested capital
- 2.83%
Financial health
- Debt / equity
- 4.54×
- Current ratio
- 8.39×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 645.57M USD | 588.5M USD | 551.4M USD | 507.19M USD | 428.35M USD |
| Cost of goods sold | 307.64M USD | 286.73M USD | 287.5M USD | 219.34M USD | 120.36M USD |
| Gross profit | 337.93M USD | 301.77M USD | 263.9M USD | 287.85M USD | 307.99M USD |
| Selling, general, and administrative | 240.47M USD | 221.88M USD | 218.09M USD | 198.72M USD | 171.39M USD |
| Operating expenses | 257.58M USD | 247.7M USD | 243.12M USD | 222.53M USD | 195.51M USD |
| Interest income | 578.95M USD | 528.89M USD | 489.7M USD | 450.85M USD | 382.54M USD |
| Interest expense | 84.81M USD | 74.53M USD | 67.46M USD | 34.22M USD | 31.35M USD |
| Depreciation and amortization | 11.72M USD | 14.07M USD | 14.63M USD | 12.69M USD | 11.65M USD |
| Operating income | 80.36M USD | 54.08M USD | 20.78M USD | 65.32M USD | 112.47M USD |
| Net income | 44.41M USD | 41.23M USD | 15.96M USD | 51.22M USD | 88.69M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 82%
- 9 beats, 2 misses, 0 met estimates
- Average EPS surprise
- +21.13%
- 11 comparable reports
- Latest EPS result
- 0.85
- Estimate 0.81 · Beat by 5.20%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
16 ratingsRecent analyst actions
RM news
RM peers
ETFs holding RM
Funds reporting this stock among their holdings, ordered by reported position size.
Avantis U.S. Small Cap Value ETFAVUV8.83M0.03%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 ETFIWM8.2M0.01%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Total Stock Market ETFVTI7.43M0.00%2.3T USD0.03%$378.24+0.44%
Vanguard Extended Market ETFVXF3.16M0.00%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN2.5M0.02%14.66B USD0.24%$224.81+0.45%
Fidelity Enhanced Small Cap ETFFESM2.42M0.04%6.03B USD0.28%$47.94+0.80%
EA Bridgeway Omni Small-Cap Value ETFBSVO2.28M0.09%1.71B USD0.47%$29.62+0.85%
Dimensional - US Targeted Value ETFDFAT2.25M0.02%14.66B USD0.28%$71.67+0.67%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 8.83M
- Weight
- 0.03%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 ETFIWM- Market value
- 8.2M
- Weight
- 0.01%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 7.43M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Vanguard Extended Market ETFVXF- Market value
- 3.16M
- Weight
- 0.00%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 2.5M
- Weight
- 0.02%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Fidelity Enhanced Small Cap ETFFESM- Market value
- 2.42M
- Weight
- 0.04%
- AUM
- 6.03B USD
- Expense ratio
- 0.28%
- Price / 1D
- $47.94+0.80%
EA Bridgeway Omni Small-Cap Value ETFBSVO- Market value
- 2.28M
- Weight
- 0.09%
- AUM
- 1.71B USD
- Expense ratio
- 0.47%
- Price / 1D
- $29.62+0.85%
Dimensional - US Targeted Value ETFDFAT- Market value
- 2.25M
- Weight
- 0.02%
- AUM
- 14.66B USD
- Expense ratio
- 0.28%
- Price / 1D
- $71.67+0.67%
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