RM
BuyUnloved QualityFLAGRegional Management Corp. · Financial Services · United States · $300M · Avg Vol: $3M/d
Unloved Quality: Strong and cheap, but the market has not turned yet. Patience required.
Regional Management is a US consumer instalment lender to non-prime borrowers, a model whose reported earnings depend on loan-loss provisioning assumptions and whose credit performance deteriorates first when household finances tighten. The quality score is modest (Q64). Nothing adverse is known on accounting, so this is a flag.
ABOUT REGIONAL MANAGEMENT CORP.
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Regional Management is a diversified consumer finance company providing attractive loan products, primarily installment loans, to subprime and near-prime consumers. Operating through a branch network across the Southern and Midwestern United States alongside a growing digital channel, the company utilizes proprietary underwriting models to manage credit risk. Its relationship-based branch model drives strong customer retention and effective collections, mitigating credit losses.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 473.0M | 483.9M | 514.0M | 560.8M | 5.8% | 647.8M | 599.1M | 637.2M | 6.6% |
| EPS | 5.51 | 1.70 | 4.28 | 4.71 | -5.1% | 4.75 | 5.24 | 6.17 | 14.4% |
| Shares | 9.5M | 9.8M | 10.0M | 9.6M | +0.3% | 9.2M | — | — | — |
| Debt | 1.4B | 1.4B | 1.5B | 1.7B | 6.9% | 1.7B | — | — | — |
| Equity | 308.6M | 322.3M | 357.1M | 373.1M | 6.5% | — | — | — | — |
| Op CF | 224.3M | 249.2M | 268.9M | 309.1M | 11.3% | 328.5M | — | — | — |
| Inv CF | -447.3M | -278.7M | -315.4M | -471.2M | — | — | — | — | — |
| Fin CF | 205.6M | 26.4M | 53.4M | 124.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of RM are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| RM | Regional Management Corp.(you) | $300M | 71 | Buy |
| MFIN | Medallion Financial Corp. | $274M | 81 | Strong Buy |
| OPRT | Oportun Financial Corporation | $338M | 91 | Strong Buy |
| PMTS | CPI Card Group Inc. | $332M | 93 | Strong Buy |
| WRLD | World Acceptance Corporation | $878M | 63 | Hold |
| CPSS | Consumer Portfolio Services, Inc. | $203M | 47 | Hold |
| OPFI | OppFi Inc. | $602M | 50 | Hold |
| EZPW | EZCORP, Inc. | $2.0B | 71 | Buy |
| ATLC | Atlanticus Holdings Corporation | $1.4B | 79 | Buy |
| PRAA | PRA Group, Inc. | $721M | 48 | Hold |
Peer medians: ROE 9.6% · P/E 12.6x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.