RM

Regional Management Corp.

Financial Services · $289M market cap

Verdict

Share price

$31.80

close of Oct 3, 2026

Fair value

$108.26

Sticker Price

Payback Price

$43.31

buy price

On Sale

RM is On Sale: at $31.80 it trades 27% below its buy price (Payback Price) of $43.31 and 71% below its fair value of $108.26. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.8% a year✗
Equity per share growth9.9% a year✗
Sales growth13.2% a year✓
Free cash flow growth14.6% a year✓
Return on invested capital2.0%✗

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Insider activity

Since Jul 1, 2026: 2 open-market purchases worth $316K, 4 sales worth $253K and 7 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Sales

Other filings

About Regional Management Corp.

Regional Management Corp. (RMC) functions as a broad-based financial services provider, concentrating on offering consumer installment loans. Its primary focus is on serving individuals across the United States who face challenges in securing credit through conventional channels such as banks, savings institutions, and credit card companies. RMC's product portfolio includes a range of personal installment loans…

Financial - Credit Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works