Regional Management Corp. logo

Regional Management Corp.

RM

NYSEFinancial ServicesFinancial - Credit Services

Previous close

$34.11

+$0.78 · +2.34%

Aug 21, 4:00 PM ET

RM company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Regional 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends79%51%24%-4%Gross margin, FY2021: 71.90%Gross margin, FY2022: 56.75%Gross margin, FY2023: 47.86%Gross margin, FY2024: 51.28%Gross margin, FY2025: 52.35%Operating margin, FY2021: 26.26%Operating margin, FY2022: 12.88%Operating margin, FY2023: 3.77%Operating margin, FY2024: 9.19%Operating margin, FY2025: 12.45%Net margin, FY2021: 20.70%Net margin, FY2022: 10.10%Net margin, FY2023: 2.89%Net margin, FY2024: 7.01%Net margin, FY2025: 6.88%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 71.90%. Gross margin FY2022 56.75%. Gross margin FY2023 47.86%. Gross margin FY2024 51.28%. Gross margin FY2025 52.35%. Operating margin FY2021 26.26%. Operating margin FY2022 12.88%. Operating margin FY2023 3.77%. Operating margin FY2024 9.19%. Operating margin FY2025 12.45%. Net margin FY2021 20.70%. Net margin FY2022 10.10%. Net margin FY2023 2.89%. Net margin FY2024 7.01%. Net margin FY2025 6.88%.

Income trends

Revenue

645.57M USD+9.70%

Operating income

80.36M USD+48.60%

Net income

44.41M USD+7.73%
Income trends across reported periods708.53M USD456.69M USD204.84M USD−47M USDRevenue, FY2021: 428.35M USDRevenue, FY2022: 507.19M USDRevenue, FY2023: 551.4M USDRevenue, FY2024: 588.5M USDRevenue, FY2025: 645.57M USDOperating income, FY2021: 112.47M USDOperating income, FY2022: 65.32M USDOperating income, FY2023: 20.78M USDOperating income, FY2024: 54.08M USDOperating income, FY2025: 80.36M USDNet income, FY2021: 88.69M USDNet income, FY2022: 51.22M USDNet income, FY2023: 15.96M USDNet income, FY2024: 41.23M USDNet income, FY2025: 44.41M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 428.35M USD. Revenue FY2022 507.19M USD. Revenue FY2023 551.4M USD. Revenue FY2024 588.5M USD. Revenue FY2025 645.57M USD. Operating income FY2021 112.47M USD. Operating income FY2022 65.32M USD. Operating income FY2023 20.78M USD. Operating income FY2024 54.08M USD. Operating income FY2025 80.36M USD. Net income FY2021 88.69M USD. Net income FY2022 51.22M USD. Net income FY2023 15.96M USD. Net income FY2024 41.23M USD. Net income FY2025 44.41M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue645.57M USD588.5M USD551.4M USD507.19M USD428.35M USD
Cost of goods sold307.64M USD286.73M USD287.5M USD219.34M USD120.36M USD
Gross profit337.93M USD301.77M USD263.9M USD287.85M USD307.99M USD
Selling, general, and administrative240.47M USD221.88M USD218.09M USD198.72M USD171.39M USD
Operating expenses257.58M USD247.7M USD243.12M USD222.53M USD195.51M USD
Interest income578.95M USD528.89M USD489.7M USD450.85M USD382.54M USD
Interest expense84.81M USD74.53M USD67.46M USD34.22M USD31.35M USD
Depreciation and amortization11.72M USD14.07M USD14.63M USD12.69M USD11.65M USD
Operating income80.36M USD54.08M USD20.78M USD65.32M USD112.47M USD
Net income44.41M USD41.23M USD15.96M USD51.22M USD88.69M 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

ActualEstimate
Quarterly EPS actual values compared with estimates1.521.220.910.61Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 0.98, estimate 0.88, surprise +11.36%, Beat. Q2 2025, reported Apr 30, 2025: actual 0.7, estimate 0.67, surprise +4.48%, Beat. Q3 2025, reported Jul 30, 2025: actual 1.03, estimate 0.72, surprise +43.06%, Beat. Q4 2025, reported Nov 5, 2025: actual 1.42, estimate 1.46, surprise -2.74%, Miss. Q1 2026, reported Feb 4, 2026: actual 1.3, estimate 1.28, surprise +1.56%, Beat. Q2 2026, reported Apr 29, 2026: actual 1.18, estimate 0.975, surprise +21.03%, Beat. Q3 2026, reported Jul 29, 2026: actual 0.85, estimate 0.808, surprise +5.20%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 1.45, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates176.49M160.41M144.32M128.24MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 135.03M USD, estimate 154.12M USD, surprise -12.39%, Miss. Q2 2025, reported Apr 30, 2025: actual 152.97M USD, estimate 153.59M USD, surprise -0.40%, Miss. Q3 2025, reported Jul 30, 2025: actual 157.44M USD, estimate 162.84M USD, surprise -3.31%, Miss. Q4 2025, reported Nov 5, 2025: actual 165.49M USD, estimate 168.17M USD, surprise -1.60%, Miss. Q1 2026, reported Feb 4, 2026: actual 169.7M USD, estimate 163.15M USD, surprise +4.02%, Beat. Q2 2026, reported Apr 29, 2026: actual 167.29M USD, estimate 161.55M USD, surprise +3.55%, Beat. Q3 2026, reported Jul 29, 2026: actual 168.01M USD, estimate 165.69M USD, surprise +1.40%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 168.89M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

16 ratings
Strong buy00%
Buy319%
Hold1275%
Sell16%
Strong sell00%

Recent analyst actions

3 institutions

RM news

RM peers

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