Regional Management Corp. (RM) Stock

Regional Management Corp. (RM) is a Financials stock trading at $33.36 (as of 2026-08-20), with a market capitalization of $307.77M and a trailing P/E of 6.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Regional Management Corp. provides installment and retail loan products to U.S. consumers, including small and large installment loans and retail financing for purchases such as furniture and appliances. It also offers credit-related insurance, collateral protection and property insurance, and reinsurance, with loans sourced through branches, direct mail, digital partners, retailers, and its consumer website.

Understand Regional Management Corp.: how it makes money

Regional Management Corp. provides installment loans (small and large) and retail loans to U.S. consumers with limited access to other consumer credit, and it also offers related insurance products, generating revenue from these consumer lending and insurance offerings.

Profit is structurally driven by the size and performance of the loan portfolio (net finance receivables supported by origination volume), with credit quality reflected in 30 plus day contractual delinquencies.

Business quality (Mixed): Diversified consumer finance, with an operating margin of 8.9% in the latest quarter (2026-03-31). The key operating drivers to watch are portfolio scale (ending net finance receivables) and credit performance (30 plus day contractual delinquencies).

Valuation: At 8× earnings, RM trades 34% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Portfolio-supported lending model: The company’s lending businesses are reflected in Ending Net Finance Receivables of 2.1 USD_B, supported by Origination Volume of 0.52 USD_B in the latest quarter.
Broad consumer credit coverage within its niche: It offers both small and large installment loans and retail loans for purchases like furniture and appliances, plus related insurance products (for example credit life and credit accident and health).

Bear case

Credit performance can pressure results: Thirty Plus Day Contractual Delinquencies Amount was 0.16 USD_B in the latest quarter, a direct sign of delinquency levels that can hurt economics.
Growth and earnings depend on origination: Origination Volume was 0.52 USD_B in the latest quarter, and the business also reflects separate sources like Direct Mail and Digital Originations (0.15 USD_B) and Branch Originations (0.26 USD_B), implying performance can vary with origination mix and channels.

Valuation — source: SEC EDGAR (first-party)
Price	$33.36
Market Cap	$307.77M
P/E Ratio	6.6
EV / EBITDA	23.6
Price / Book	0.81
Price / Sales	0.46
FCF Yield	105.1%
DCF Value (model)	$52.42
DCF Upside vs Price	57.1%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$645.60M
Net Margin	6.9%
Revenue Growth (YoY)	6.7%
EPS Growth (YoY)	-15.0%
FCF Growth (YoY)	2.1%

Valuation vs Sector & Industry
Stock P/E	6.6
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-56.6%
vs Industry	-49.1%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Insider Sells (12mo)	46
Top Institutional Holder	BlackRock, Inc. ($36.65M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Lakhbir Lamba
Employees	2,131
Country	US
IPO Date	2012-03-28

Related Companies (Business model: Specialty Finance / Lending; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.