RM
Regional Management Corp.
RM's fundamentals are mixed: revenue grew 8.4%, while its operating margin held steady at 9%. At 7.0x earnings, it's trading below its usual 8.4x. Analysts expect strong earnings growth, though they disagree widely on how much.
RM Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
RM's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RM.
RM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.6x | $27.45 | -21% |
| Forward | 5.6x | $34.74 | — |
| Current | 7x | $34.74 | — |
| Fair | 8.4x | $41.46 | +19% |
| Expensive | 12x | $59.24 | +71% |
Historical ranges are pointers, not guarantees.
RM's PE is in its cheap range at 7.0x. If earnings grow as analysts expect, today's price would be 5.6x next year's earnings.
RM Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for RM, with profitability improving. However, they disagree widely on these estimates.
RM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.23 | +26% |
| Q3 2026 | $4.94 | +20% |
| Q2 2026 | $4.75 | +38% |
| Q1 2026 | $4.93 | +50% |
| Q4 2025 | $4.45 | +7.5% |
| Q3 2025 | $4.11 | +71% |
| Q2 2025 | $3.45 | +35% |
| Q1 2025 | $3.28 | +41% |
| Q4 2024 | $4.14 | +149% |
RM's earnings per share have fallen from their peak: $4.94 over the past year, against $8.69 in early 2022.
RM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $178.8M | +8% |
| Q2 2026 | $168M | +6.7% |
| Q1 2026 | $167.3M | +9.4% |
| Q4 2025 | $169.7M | +9.6% |
| Q3 2025 | $165.5M | +13% |
| Q2 2025 | $157.4M | +10% |
| Q1 2025 | $153M | +6% |
| Q4 2024 | $154.8M | +9.3% |
RM's revenue has grown year over year for 23 quarters in a row: $179M last quarter, up 8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -0.4 points |
| Q2 2026 | 6.3% | -2.3 points |
| Q1 2026 | 8.9% | +2.9 points |
| Q4 2025 | 9.5% | +1.3 points |
| Q3 2025 | 11% | +4.5 points |
| Q2 2025 | 8.6% | +0.7 points |
| Q1 2025 | 6% | -7.8 points |
| Q4 2024 | 8.2% | +15 points |
RM's operating margin was 11% last quarter, about level with the same quarter a year ago.
RM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $81.7M | -4.6% |
| Q2 2026 | $79.3M | +2.1% |
| Q1 2026 | $79.9M | +28% |
| Q4 2025 | $78.6M | +26% |
| Q3 2025 | $85.7M | +16% |
| Q2 2025 | $77.6M | +10% |
| Q1 2025 | $62.4M | +8.6% |
| Q4 2024 | $62.3M | -5.3% |
RM's free cash flow was $320M over the past year, up 11% from the year before. Free cash flow isn't a meaningful measure for financial services companies like RM.
RM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -242K shares |
| 1 year | -7.6% | -771K shares |
| 3 years | -3% | -288K shares |
| 5 years | -11% | -1.2M shares |
| Available history | -20% | -2.4M shares |
RM has 9M diluted shares, down 7.6% from a year ago, with $30M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $10M |
| Q2 2026 | $5.1M |
| Q1 2026 | $7.5M |
| Q4 2025 | $7.5M |
| Q3 2025 | $5M |
| Q2 2025 | $5M |
| Q1 2025 | $6.5M |
| Q4 2022 | — |
RM spent $30M buying back its own shares over the past year.
RM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 21.6x | High |
| Q2 2026 | 21.1x | High |
| Q1 2026 | 19.9x | High |
| Q4 2025 | 22.1x | High |
| Q3 2025 | 22.5x | High |
| Q2 2025 | 24.9x | High |
| Q1 2025 | 25.5x | High |
| Q4 2024 | 21.5x | High |
RM's net debt is more than 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like RM.
RM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.6 | Neutral |
| Stochastic | 50.3 | Neutral |
RM's weekly RSI is 50 (neutral) and its Stochastic is 50 (neutral).
RM PE vs Financial Services Sector
| Metric | RM | Sector median | Relative |
|---|---|---|---|
| PE | 7x | 13x | 46% below |
| PE % | 28 | 63 | 35 pts below |
RM is trading at 7.0x earnings, a 46% discount to the Financial Services sector's median of 13x.
RM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $33.8 | 2.7% above |
| 20 week MA | $35.1 | 1.1% below |
| 50 week MA | $35.8 | 2.9% below |
| 100 week MA | $35.0 | 0.8% below |
| 200 week MA | $31.6 | 10% above |
RM's trend is mixed: it's above two of its five weekly moving averages, and 10% above its 200-week average.
RM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.6 | $28.6 | -3.4% |
| 2021 | $28.6 | $57.2 | +100% |
| 2022 | $57.2 | $27.7 | -52% |
| 2023 | $27.7 | $25.1 | -9.4% |
| 2024 | $25.1 | $33.7 | +34% |
| 2025 | $33.7 | $40.1 | +19% |
| 2026 YTD | $40.1 | $34.7 | -13% |
RM's yearly returns have swung widely, from +100% in 2021 to −52% in 2022. It's down 13% so far in 2026.