Regional Management Corp. (RM) stock
RMNYSEPersonal Credit InstitutionsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 14/3029% below fair value
$35.29+0.72 (+2.08%)
Close on Nov 11, 2026Market cap $315.76MP/E 7.1Yield 3.40%
Regional Management statistics
94 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 3, 2027 (estimated, during market hours)
- Last ex-dividend date
- Aug 19, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 11, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 0.83
- 1.20
- P/OCF Ratio
- 0.97
- 6.19
Enterprise valuationIndustry
- EV / Sales
- 0.45
- 2.72
- EV / FCF
- 0.96
- 9.30
Share statisticsIndustry
- Shares Change (YoY)
- -3.90%
- 13.6%
- Shares Change (QoQ)
- -1.64%
- 0.11%
- Float
- 7M
- 40M
- Shares Held by Insiders
- 17.9%
- 18.2%
- Shares Held by Institutions
- 91.5%
- 27.7%
Short sellingIndustry
- Short Interest
- 376,768
- –
- Short Interest Change
- -1.40%
- -0.08%
- Short % of Float
- 5.13%
- 6.67%
- Short % of Shares Outstanding
- 4.21%
- 5.45%
- Days to Cover
- 3.98
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $44.30
- –
- 52-Week Low
- $29.89
- –
- 20-Day Moving Average
- $35.30
- –
- 50-Day Moving Average
- $33.49
- –
- 200-Day Moving Average
- $35.29
- –
- Average True Range (14)
- $1.68
- –
- Price Change (1 Week)
- -10.7%
- -5.57%
- Price Change (1 Month)
- 2.56%
- -15.2%
- Price Change (3 Months)
- 7.99%
- -13.4%
- Price Change (6 Months)
- 3.37%
- -26.7%
- Price Change (YTD)
- -8.93%
- -32.7%
- Price Change (1 Year)
- -8.03%
- -50.2%
- Price Change (3 Years)
- 54.7%
- -31.8%
- Price Change (5 Years)
- -40.4%
- -80.5%
- Price Change (10 Years)
- 48.0%
- -58.5%
- Average Volume (10 Days)
- 111,087
- –
- Average Volume (20 Days)
- 100,286
- –
- Average Volume (90 Days)
- 92,844
- –
- Relative Volume
- 0.87
- 0.71
- Relative Strength Index (14)
- 51.1
- 42.0
- Volatility (1 Year)
- 46.3%
- 94.7%
- Beta (5 Years)
- 1.06
- 1.26
MarginsIndustry
- Pretax Margin
- 8.98%
- -6.87%
- EBITDA Margin
- 11.8%
- -64.6%
- FCF Margin
- 46.7%
- -29.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.6%
- -21.1%
- Return on Assets (ROA)
- 2.24%
- -8.40%
GrowthIndustry
- Revenue Growth (YoY)
- 8.41%
- 15.4%
- Net Income Growth (YoY)
- 14.9%
- -25.7%
- EPS Growth (YoY)
- 19.6%
- 2.80%
- FCF Growth (YoY)
- 10.9%
- 16.1%
- Revenue Growth (3Y CAGR)
- 8.38%
- 5.94%
- Revenue Growth (5Y CAGR)
- 11.5%
- 10.7%
- EPS Growth (3Y CAGR)
- -5.66%
- 5.11%
- EPS Growth (5Y CAGR)
- 13.1%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.32
- 0.15
- Revenue Per Employee
- $323.76K
- $675.54K
- Profits Per Employee
- $22.53K
- -$170.28K
- Employee Count
- 2,112
- 47
- WACC
- 10.2%
- 10.9%
Income statement (TTM)Industry
- Pretax Income
- $61.39M
- -$2.57M
Balance sheetIndustry
- Net Cash (Debt)
- $7.63M
- $7.44M
- Net Cash Per Share
- $0.85
- $0.19
- Equity (Book Value)
- $381.35M
- $224.68M
- Book Value Per Share
- $42.62
- $4.04
- Tangible Book Value
- $381.35M
- $140.85M
Cash flow (TTM)Industry
- Capital Expenditures
- -$4.86M
- -$4.70M
- FCF Per Share
- $35.71
- -$0.20
Dividends and yieldsIndustry
- Earnings Yield
- 15.1%
- -12.4%
- FCF Yield
- 101.2%
- -15.4%
- Dividend Yield
- 3.40%
- 1.92%
- Buyback Yield
- 9.55%
- 0.46%
- Shareholder Yield
- 13.0%
- 0.53%
- Dividend Per Share
- $1.20
- $1.06
- Dividend Growth (YoY)
- 0.00%
- 5.11%
- Years of Dividend Growth
- 0
- 0
Taxes and interestIndustry
- Income Tax
- $13.82M
- $214.00K
- Effective Tax Rate
- 22.5%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $68.83
- $25.64
- Graham Upside
- 95.0%
- 19.5%
- Altman Z-Score
- 0.69
- 0.31
- Piotroski F-Score
- 5
- 4
- Lynch Fair Value
- $64.93
- –
- Lynch Upside
- 84.0%
- 45.0%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | RM | S&P 500 | Difference | RM per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +5.3% | -2.4% | +7.7 pts | ||
| 3 months | +12.6% | -1.2% | +13.7 pts | ||
| Year to date | -6.5% | +12.3% | −18.8 pts | ||
| 1 year | -3.5% | +12.4% | −15.9 pts | ||
| 3 years | +74.1% | +78.8% | −4.7 pts | +20.3% | +21.4% |
| 5 years | -29.3% | +75.2% | −104.5 pts | -6.7% | +11.9% |
| 10 years | +82.2% | +311.1% | −228.9 pts | +6.2% | +15.2% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M RM shares were sold short on Oct 30, 2026, down 1.4% from the previous report, or 5.13% of the shares available to trade. At recent volumes it would take 4.0 days to buy them back. Over the last 20 sessions, 53.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 376,768 | -1.4% | 94,574 | 4.0 |
| Oct 15, 2026 | 382,110 | +11.0% | 107,349 | 3.6 |
| Sep 30, 2026 | 344,232 | -8.3% | 74,983 | 4.6 |
| Sep 15, 2026 | 375,561 | +9.8% | 57,728 | 6.5 |
| Aug 31, 2026 | 342,002 | -10.7% | 100,657 | 3.4 |
| Aug 14, 2026 | 383,171 | -5.2% | 120,205 | 3.2 |
| Jul 31, 2026 | 404,005 | -11.3% | 87,328 | 4.6 |
| Jul 15, 2026 | 455,354 | +10.4% | 82,760 | 5.5 |
| Jun 30, 2026 | 412,272 | +13.0% | 79,005 | 5.2 |
| Jun 15, 2026 | 364,949 | +6.5% | 43,820 | 8.3 |
| May 29, 2026 | 342,536 | +3.1% | 62,961 | 5.4 |
| May 15, 2026 | 332,298 | +5.7% | 56,326 | 5.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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