Stocks · Financial Services · Financial - Credit Services
Regional Management Corp. RM
$31.80 +2.61% Close, Oct 2, 2026 · NYSE · Market cap $292.8M
High qualityWeak trendInexpensive vs sectorHigh risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 19.2% from 7.5% a year earlier.
- Net debt is 11.6× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $4.75, up 37.7% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 39%
- EPS growth (TTM, YoY)Top 28%
- FCF growth (TTM, YoY)Bottom 49%
- Revenue growth, 3-year CAGRBottom 25%
- Revenue growth accelerationBottom 44%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 30%
- Gross marginTop 24%
- Operating marginBottom 45%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 8%
- Net debt / EBITDA (lower is better)Bottom 10%
- Interest coverTop 38%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 6%
- Free-cash-flow yieldTop 1%
- EBITDA / enterprise valueTop 45%
- Sales / enterprise valueTop 45%
- P/E vs own 5-year history (lower is better)Top 22%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 14%
- 6-month returnBottom 15%
- 1-year return vs S&P 500Bottom 17%
- Distance from 52-week highBottom 17%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 42%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 13%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 7%
- Maximum drawdown, 3 yearsBottom 37%
- Beta vs S&P 500 (lower is better)Bottom 19%
- Net debt / EBITDA (lower is better)Bottom 10%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.5% | 9.6% | ↓ |
| EPS growth (YoY) | 50.3% | 37.7% | ↓ |
| Gross margin | 49.3% | 75.6% | ↑ |
| Operating margin | 7.5% | 19.2% | ↑ |
| FCF margin | 44.2% | 47.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.6% | 10.5% | ↓ | Top 39% |
| EPS growth (TTM, YoY) | 37.7% | 50.3% | ↓ | Top 28% |
| Gross margin | 75.6% | 49.3% | ↑ | Top 24% |
| Operating margin | 19.2% | 7.5% | ↑ | Bottom 45% |
| Net margin | 7.0% | 5.7% | ↑ | — |
| Free-cash-flow margin | 47.3% | 44.2% | ↑ | — |
| Return on invested capital | 4.8% | — | Top 30% | |
| Revenue growth, 3-year CAGR | 8.4% | — | Bottom 25% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -13.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 11.61×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.97%
- Net buyback yield (TTM)
- 8.59%
- Shareholder yield
- 12.57%
- Share count change, 1 year
- -2.4%
- Share count change, 3-year CAGR
- +0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +6.3%
- Average 2-day reaction, last 8
- +1.8%
- Positive 20 days after report
- 2 of 8
Analysts
- Analysts with a rating
- 16
- Share rating Buy or Strong Buy
- 19%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +5.2% | -0.5% | -20.5% | -21.7% | — |
| Apr 29, 2026 | +21.0% | -2.0% | -11.4% | -7.0% | +5.9% |
| Feb 4, 2026 | +1.6% | +4.5% | -10.0% | -12.2% | -3.3% |
| Nov 5, 2025 | -2.7% | +3.6% | -4.0% | -4.5% | -2.4% |
| Jul 30, 2025 | +43.1% | -0.3% | +9.9% | +33.0% | +28.6% |
| Apr 30, 2025 | +4.5% | -2.9% | -16.1% | -22.0% | -5.5% |
| Feb 5, 2025 | +11.4% | +1.2% | -2.0% | -11.7% | -24.3% |
| Nov 6, 2024 | -27.6% | +10.9% | +1.4% | +8.8% | +23.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.85 | $0.81 | +5.2% | $168.0M |
| Apr 29, 2026 | $1.18 | $0.98 | +21.0% | $167.3M |
| Feb 4, 2026 | $1.30 | $1.28 | +1.6% | $169.7M |
| Nov 5, 2025 | $1.42 | $1.46 | -2.7% | $165.5M |
| Jul 30, 2025 | $1.03 | $0.72 | +43.1% | $157.4M |
| Apr 30, 2025 | $0.70 | $0.67 | +4.5% | $153.0M |
| Feb 5, 2025 | $0.98 | $0.88 | +11.4% | $135.0M |
| Nov 6, 2024 | $0.76 | $1.05 | -27.6% | $146.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 6.7× | 8.3× | 24th | Top 6% |
| P/E (forward) | 6.4× | — | — | — |
| EV / EBITDA | 13.6× | — | — | Top 45% |
| EV / Sales | 2.99× | — | — | Top 45% |
| Free-cash-flow yield | 108.41% | — | — | Top 1% |
| Earnings yield | 14.94% | — | — | Top 6% |
P/E over the past five years
Range 4.1× – 13.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -18.1%
- Earnings per share growth (TTM)
- +37.7%
- Change in P/E multiple
- -28.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -10.9%
- 200-day average slope (20 days)
- -1.6%
- Distance from 50-day average
- -4.3%
- Distance from 200-day average
- -11.3%
- RSI (14)
- 48.2
- Relative volume
- 1.58×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 64.1%
- Volatility vs own 5-year history
- 96th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.04
- Correlation with S&P 500
- 0.38
- Current drawdown from 1-year high
- -26.9%
- Maximum drawdown, 3 years
- -33.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 27, 2021 | Feb 13, 2024 | -67.3% | 598 days | Not yet recovered |
| Jan 14, 2021 | Jan 27, 2021 | -16.7% | 8 days | 11 days (Feb 11, 2021) |
| Jun 8, 2021 | Jun 18, 2021 | -12.2% | 8 days | 21 days (Jul 20, 2021) |
| Nov 10, 2020 | Nov 13, 2020 | -11.4% | 3 days | 4 days (Nov 19, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $292.8M
- P/E (TTM)
- 6.7
- EPS, diluted (TTM)
- $4.75
- Revenue (TTM)
- $670.5M
- Dividend yield
- 3.77%
- 52-week range
- $29.89 – $44.30
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $428.4M | $507.2M | $551.4M | $588.5M | $645.6M |
| Gross profit | $308.0M | $287.8M | $263.9M | $301.8M | $337.9M |
| Operating income | $112.5M | $65.3M | $20.8M | $54.1M | $80.4M |
| Net income | $88.7M | $51.2M | $16.0M | $41.2M | $44.4M |
| EPS (diluted) | $8.33 | $5.30 | $1.66 | $4.14 | $4.45 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $146.3M | $154.8M | $153.0M | $157.4M | $165.5M | $169.7M | $167.3M | $168.0M |
| Net income | $7.7M | $9.9M | $7.0M | $10.1M | $14.4M | $12.9M | $11.4M | $8.2M |
| EPS (diluted) | $0.74 | $0.98 | $0.70 | $1.03 | $1.42 | $1.30 | $1.18 | $0.85 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $189.0M | $224.3M | $249.2M | $268.9M | $309.1M |
| Capital expenditure | -$6.9M | -$11.4M | -$12.1M | -$5.1M | -$17.1M |
| Free cash flow | $182.2M | $212.9M | $237.1M | $263.9M | $292.0M |
| Dividends paid | -$9.5M | -$11.4M | -$11.9M | -$12.1M | -$11.5M |
| Net share buybacks | -$67.4M | -$20.6M | -$2.9M | -$3.5M | -$24.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $6.8M
- Total assets
- $2.13B
- Total liabilities
- $1.75B
- Total debt
- $1.72B
- Net debt
- $1.71B
- Shareholders’ equity
- $378.3M
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 19, 2026 | $0.30 | Sep 16, 2026 |
| May 20, 2026 | $0.30 | Jun 10, 2026 |
| Feb 19, 2026 | $0.30 | Mar 12, 2026 |
| Nov 25, 2025 | $0.30 | Dec 16, 2025 |
| Aug 20, 2025 | $0.30 | Sep 10, 2025 |
| May 21, 2025 | $0.30 | Jun 11, 2025 |
| Feb 20, 2025 | $0.30 | Mar 13, 2025 |
| Nov 21, 2024 | $0.30 | Dec 11, 2024 |
Short interest
- Shares sold short
- 375,561
- Days to cover
- 6.51
- Change vs previous report
- +9.8%
FINRA short interest, settlement date Sep 15, 2026.