Regional Management (RM) Stock Price, News & Analysis

Company Overview

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 installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally-managed direct mail campaigns, and digital partners, as well as its consumer website. The company was incorporated in 1987 and is headquartered in Greer, South Carolina.

Key Stats

• Today's Range: $34.16 to $35.74
• 50-Day Range: $31.53 to $36.76
• 52-Week Range: $21.90 to $37.52
• Volume: 33,773 shs
• Average Volume: 47,846 shs
• Market Capitalization: $348.69 million
• P/E Ratio: 8.25
• Dividend Yield: 3.50%
• Price Target: $35.50
• Consensus Rating: Hold

Regional Management Stock Analysis - MarketRank™

Regional Management scored higher than 78% of companies evaluated by MarketBeat, and ranked 326th out of 932 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Regional Management has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Regional Management has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 38.51%

Earnings Growth

Earnings for Regional Management are expected to grow by 38.51% in the coming year, from $4.70 to $6.51 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Regional Management is 8.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.37.

Price to Earnings Ratio vs. Sector

The P/E ratio of Regional Management is 8.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.31.

Price to Book Value per Share Ratio

Regional Management has a P/B Ratio of 1.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.63% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 5.9.

Change versus previous month

Short interest in Regional Management has recently decreased by 4.65%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Regional Management pays a meaningful dividend of 3.40%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Regional Management does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Regional Management is 28.85%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Regional Management will have a dividend payout ratio of 18.43% next year. This indicates that Regional Management will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 0.0 / 5
• Environmental Score: -0.21

Percentage of Shares Shorted

2.63% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 5.9.

Change versus previous month

Short interest in Regional Management has recently decreased by 4.65%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 0.35

News Sentiment

Regional Management has a news sentiment score of 0.35. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.89 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Regional Management this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for RM on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

2 people have added Regional Management to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Regional Management insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,656,230.00 in company stock.

Percentage Held by Insiders

10.50% of the stock of Regional Management is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

98.89% of the stock of Regional Management is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

RM Stock Analysis - Frequently Asked Questions

How have RM shares performed this year?

Regional Management's stock was trading at $33.98 at the start of the year. Since then, RM shares have increased by 1.0% and is now trading at $34.31.
View the best growth stocks for 2025 here.

How were Regional Management's earnings last quarter?

Regional Management Corp. (NYSE:RM) issued its quarterly earnings data on Wednesday, February, 5th. The credit services provider reported $0.98 EPS for the quarter, topping the consensus estimate of $0.88 by $0.10. Regional Management had a net margin of 7.01% and a trailing twelve-month return on equity of 13.20%.

Who are Regional Management's major shareholders?

Top institutional investors of Regional Management include Dimensional Fund Advisors LP (7.22%), Vanguard Group Inc. (4.47%), LSV Asset Management (3.41%) and Twin Lions Management LLC (3.23%). Insiders that own company stock include Fund LP Forager, Basswood Capital Management, L, Robert William Beck, Roel C Campos, John D Schachtel, Catherine R Atwood, Philip V Bancroft and Sandra K Johnson.
View institutional ownership trends.

How do I buy shares of Regional Management?

Shares of RM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Regional Management own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Regional Management investors own include Tesla (TSLA), NVIDIA (NVDA), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Ex-Dividend for 12/11 Dividend: 11/21/2024
• Dividend Payable: 12/11/2024
• Last Earnings: 2/05/2025
• Ex-Dividend for 3/13 Dividend: 2/20/2025
• Today: 2/22/2025
• Dividend Payable: 3/13/2025
• Next Earnings (Estimated): 5/07/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Personal credit institutions
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:RM
• CUSIP: 75902K10
• CIK: 1519401
• Web: www.regionalmanagement.com
• Phone: (864) 448-7000
• Fax: 864-422-8035
• Employees: 2,081
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $35.50
• High Stock Price Target: $38.00
• Low Stock Price Target: $33.00
• Potential Upside/Downside: +3.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $4.16
• Trailing P/E Ratio: 8.25
• Forward P/E Ratio: 7.30
• P/E Growth: N/A
• Net Income: $41.23 million
• Net Margins: 7.01%
• Pretax Margin: 5.53%
• Return on Equity: 13.20%
• Return on Assets: 2.54%

Debt

• Debt-to-Equity Ratio: 3.94
• Current Ratio: 44.42
• Quick Ratio: 44.42

Sales & Book Value

• Annual Sales: $588.50 million
• Price / Sales: 0.59
• Cash Flow: $2.74 per share
• Price / Cash Flow: 12.51
• Book Value: $32.77 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 10,160,000
• Free Float: 9,096,000
• Market Cap: $348.59 million
• Optionable: Optionable
• Beta: 1.49