# Regional Management Corp. (RM) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $33.68, market value $311 million.

## Valuation
- **P/E (trailing): 7.1×** (5-yr avg 8.1×, 3-yr avg 10.0×). Regional Management Corp. trades at 7.1× trailing earnings, close to its own five-year average of 8.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 5.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.77**. A PEG of 0.77 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.5×**. Each dollar of revenue is priced at 0.5×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 104.1%** (5-yr avg 80.6%). Free cash flow equals 104.1% of the market value, above its five-year average of 80.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 14.1%**. The inverse of the P/E: 14.1% of the price is earned each year.

## Profitability
- **Net margin: 6.9%**. 6.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.9%**. 11.9% on shareholders' equity is solid.
- **Return on assets: 2.2%**. Each dollar of assets produces 2.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 9.7%** (3-yr 8.4%/yr, 5-yr 11.5%/yr). Revenue grew 9.7% over the last year, against 11.5% a year compounded over five years.
- **EPS growth (1 yr): 7.5%** (3-yr -5.7%/yr, 5-yr 13.1%/yr). Earnings per share rose 7.5%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 11.7%/yr**. Free cash flow has compounded at 11.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 3.56%** ($1.20 per share, trailing). Regional Management Corp. yields 3.56%, an income-level yield.
- **Consecutive years of increases: 6**. 6 straight years of increases.
- **Dividend growth (5 yr): 43.1%/yr** (1-yr 0.0%). The dividend has compounded at 43.1% a year over five years, doubling roughly every 2 years at that pace.

## Price and momentum
- **Total return (1 yr): -21.1%** (YTD -11.6%, 3-mo -6.3%). The shares are down 21.1% over twelve months including dividends.
- **From 52-week high: -26.8%** (10.6% above the low). Trading 27% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 1.02** (volatility 46%). Beta of 1.02 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RM · Page: https://foliofundamentals.com/stocks/rm

Not investment advice.