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AI 90-DAY FORECAST
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Regional Management Corp. (RM) AI Forecast

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Regional Management Corp. (RM) Stock Forecast 2025

Regional Management Corp. (RM) AI Stock Price Forecast & Investment Analysis

Regional Management Corp. Stock Price Chart and Technical Analysis

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Regional Management Corp. (RM) - Comprehensive Stock Analysis & Investment Research

Deep dive into Regional Management Corp.'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on March 10, 2026, 2:29 p.m. (UTC)

Regional Management Corp. Investment Summary

When evaluating whether Regional Management Corp. (RM) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Regional Management Corp. (RM) operates within the Finance sector, specifically in the Personal Credit Institutions industry. The company employs approximately 5,632 people. With a market capitalization of $308 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Regional Management Corp.'s revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Regional Management Corp. along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Regional Management Corp. is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

Regional Management Corp. (Stock Symbol: RM) is a prominent company operating within the Finance sector, with a specific focus on the Personal Credit Institutions industry. The company's shares are publicly traded on the NYSE exchange.

Leadership & Workforce

Detailed information about Regional Management Corp.'s leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Regional Management Corp....

Sector & Industry Analysis

In-depth sector dynamics and industry context for Regional Management Corp....

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Revenue & Growth Analysis

Regional Management Corp. generates annual revenues of $645 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Regional Management Corp....

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Regional Management Corp....

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Regional Management Corp....

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Strategic Market Position

Regional Management Corp. strategically competes in the highly dynamic Personal Credit Institutions marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Regional Management Corp. competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $192 million annually , with year-over-year cash flow growth of 4.6%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.33x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Regional Management Corp. (RM) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Regional Management Corp. stock analysis.

Deep dive into Regional Management Corp.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Regional Management Corp. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Regional Management Corp.: With a P/E ratio of 6.94, the market sees the stock as potentially undervalued.

P/E Ratio 6.94x
P/B Ratio 0.83x
Market Cap $308M
Dividend Yield 3.72%
EPS $3.60
Book Value/Share $39.03
Revenue/Share $67.57
FCF/Share $15.09
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Regional Management Corp. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Regional Management Corp.: An ROE of 30.9% demonstrates excellent shareholder value creation.

ROE 30.9%
ROA 6.9%
Net Margin 16.2%
EBT Margin 26.7%
Tax Rate 21.1%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Regional Management Corp.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Regional Management Corp.:

D/E Ratio 3.44x
Financial Leverage 5.01x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Regional Management Corp.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Regional Management Corp.: Free cash flow of $192M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $200M
Free Cash Flow $192M
Capital Spending -$7M
OCF Growth YoY 4.6%
FCF Growth YoY 5.8%
FCF/Sales 45.0%
CapEx/Sales 1.7%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Regional Management Corp. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Regional Management Corp.: An asset turnover of 0.33x suggests room for improvement in asset utilization.

Asset Turnover 0.33x
Fixed Assets Turnover 10.5x
Understanding Financial Statement Data

What these metrics mean: Key figures from Regional Management Corp.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Regional Management Corp.: With annual revenue of $645M, Regional Management Corp. demonstrates solid business size.

Income Statement
Total Revenue $645M
Net Income $20M
SG&A Expense $42M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 1%
Total Liabilities 80%
Short-term Debt 8%
Accounts Receivable 0%
Dividend & Shareholder Information
Dividends Per Share $1.20
Payout Ratio 0.2%
Shares Outstanding 10M
Growth Metrics (YoY)
EPS Growth 6.6%

Latest Regional Management Corp. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Regional Management Corp. (RM) stock price and investment outlook.

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Regional Management Corp. Competitors & Peer Analysis - Finance Sector

Comparative analysis of Regional Management Corp. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Affirm Holdings, Inc. AFRM ██% $16.88B 59.8x 4.8x
Atlanticus Holdings Corp ATLC ██% $838M 7.1x 1.4x
Atlanticus Holdings Corp ATLCL ██% $374M 3.2x 0.6x
Atlanticus Holdings Corp ATLCP ██% $372M 3.1x 0.6x
Atlanticus Holdings Corp ATLCZ ██% $390M 3.3x 0.7x
Bread Financial Holdings, Inc. BFH ██% $3.18B 6.2x 1.0x
Credit Acceptance Corp CACC ██% $5.32B 12.5x 3.5x
Enova International, Inc. ENVA ██% $3.43B 11.1x 2.6x
Lendingclub Corp LC ██% $1.69B 12.5x 1.1x
Open Lending Corp LPRO ██% $162M 106.1x 2.2x
Nelnet Inc NNI ██% $4.75B 11.1x 1.3x
Onemain Holdings, Inc. OMF ██% $6.21B 7.9x 1.8x
Regional Management Corp. RM ██% $308M 6.9x 0.8x
Slm Corp SLM ██% $3.95B 5.3x 1.6x
Slm Corp SLMBP ██% $15.96B 25.6x 6.8x
World Acceptance Corp WRLD ██% $686M 16.1x 2.0x
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Frequently Asked Questions - Regional Management Corp. Stock Forecast

How accurate are Regional Management Corp. stock predictions?

Our AI model shows a -4% Spearman correlation coefficient for RM predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Regional Management Corp. stock price forecasts?

Our analysis considers Regional Management Corp.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Regional Management Corp. a good investment in 2025?

Based on our AI analysis, Regional Management Corp. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Regional Management Corp. forecasts updated?

Regional Management Corp. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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