What is Regional Management Corp.'s (RM) StockRank?

MoatMap's StockRank for Regional Management Corp. (RM) is 71/100, with a Buy signal. This is a composite score combining Quality (60), Value (54), and Momentum (44) factor ranks across MoatMap's 20,000+ stock universe.

Does Regional Management Corp. have an economic moat?

Regional Management Corp. (RM) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Regional Management Corp. a buy, hold, or sell?

MoatMap's current signal for Regional Management Corp. (RM) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Regional Management Corp. in?

Regional Management Corp. (RM) operates in the Financial Services sector, specifically the Credit Services industry (United States).

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RM

BUYREMOVE

Regional Management Corp. · Financial Services · United States · $334M · Avg Vol: $2M/d

StockRank

P/E (TTM)

7.5x

ROE

13.3%

D/E

4.4x

Dividend %

3.3%

Director Trades · 180d

+$30.6K · −$1M →

Subst. holders: −$1.4M

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Regional Management is a subprime consumer finance company highly sensitive to credit cycles and employment rates, lacking a durable moat.

COMPANY DESCRIPTION

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
Revenue	473M	484M	514M	561M	5.8%
EPS	5.51	1.70	4.28	4.71	-5.1%
Shares	14M	15M	15M	15M	+5.8%
Debt	1.4B	1.4B	1.5B	1.7B	6.9%
Equity	309M	322M	357M	373M	6.5%
Op CF	224M	249M	269M	309M	11.3%
Inv CF	-447M	-279M	-315M	-471M	—
Fin CF	206M	26M	53M	124M	—

PRICE (1M)+6.4%

SMA 50SMA 200

$37.20

RSI (14)

52.9

52W High

$44.84

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

4.8%*75.0

ROE

13.3%66.2

GP/Assets

18.4%83.8

Op. Margin

23.3%41.0

FCF/Assets

-5.4%11.7

Piotroski

—90.6

Int. Cover

—N/A

D/E Ratio

4.42x7.0

Current Ratio

40.70x95.8

Value

P/E (TTM)

7.5x80.7

EV/EBITDA

11.8x27.7

P/FCF

—N/A

P/B

0.9x62.5

P/S

0.5x93.2

Div Yield

3.3%53.9

Momentum

52W High %

83%31.4

RS 6M

-14%30.8

SMA 50/200

0.99x31.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+49%72.2

Q Growth

63%78.9

FUNDAMENTALS

Market Cap

$334M

P/E (Forward)

5.1x

Gross Margin

60.5%

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)	$334M	71	BUY
LPRO	Open Lending Corporation	$271M	60	HOLD
WRLD	World Acceptance Corporation	$727M	63	HOLD
MFIN	Medallion Financial Corp.	$231M	53	HOLD
CPSS	Consumer Portfolio Services, Inc.	$214M	54	HOLD
WU	The Western Union Company	$2.5B	70	BUY
JCAP	Jefferson Capital, Inc.	$950M	48	HOLD
EZPW	EZCORP, Inc.	$2.0B	79	BUY
AGM-A	Federal Agricultural Mortgage Corporation	$1.5B	56	HOLD
PRAA	PRA Group, Inc.	$588M	37	HOLD

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

Regional Management Corp. (RM) — Stock Score Summary

Regional Management Corp. (RM) has a MoatMap StockRank of 71/100 based on Quality (60/100), Value (54/100), and Momentum (44/100) factor scores. The current signal is BUY. Regional Management is a subprime consumer finance company highly sensitive to credit cycles and employment rates, lacking a durable moat.

Key Financial Metrics

Price	$37.20
Market Cap	$334M
P/E (TTM)	7.55
P/E (Forward)	5.05
Price/Book	0.92
Return on Equity	13.3%
Debt/Equity	441.85
Gross Margin	60.5%
Operating Margin	23.3%
Revenue Growth	9.6%
Dividend Yield	3.3%
Free Cash Flow	$-113M

Regional Management Corp. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Regional Management Corp.’s (RM) StockRank?: MoatMap’s StockRank for Regional Management Corp. (RM) is 71/100, with a Buy signal. It is a composite of Quality (60), Value (54), and Momentum (44) factor ranks across MoatMap’s 20,000+ stock universe.
Does Regional Management Corp. have an economic moat?: Regional Management Corp. (RM) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Regional Management Corp. a buy, hold, or sell?: MoatMap’s current signal for Regional Management Corp. (RM) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Regional Management Corp. in?: Regional Management Corp. (RM) operates in the Financial Services sector, specifically the Credit Services industry (United States).