REGIONAL MANAGEMENT CORP (RM)
Financials · Non-prime consumer finance / secured lending · NYSE
Regional Management is a non-prime consumer finance lender originating and servicing secured retail installment contracts, funded through asset-backed securitizations.
What REGIONAL MANAGEMENT CORP does
Regional Management Corp. is a consumer finance company that originates and services retail installment contracts and other consumer loans, primarily secured loans to non-prime borrowers. The company generates revenue through interest and fee income on its loan portfolio, as well as insurance income from credit and ancillary insurance products. The company uses securitization through special purpose entities to fund its lending operations and manage its funding and credit risks.
Themes: ["Consumer finance / non-prime lending","Secured retail installment lending","Loan securitization / asset-backed financing","Credit insurance"]
Fundamentals
- Price$42.50 as of 2026-07-09 close
- Market cap$373M as of 2026-07-10
- 1-year return+28.7% as of 2026-07-09 close
- P/E7.63 as of 2026-07-10
- Net margin+7.4% as of 2026-07-10
- Gross margin+100.0% as of 2026-07-10
- ROE+13.2% as of 2026-07-10
- Debt / equity4.30 as of 2026-07-10
- Revenue growth (YoY)+10.5% as of 2026-07-10
- Revenue CAGR (3y)+8.4% SEC XBRL
- Beta0.97 as of 2026-07-10
Dividend: yield +2.8%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit risk and delinquency rates on loan portfolio; economic downturns and consumer defaults could increase loss given default and net credit loss rates","Regulatory compliance risk including ongoing CFPB Consent Agreement requirements and consumer protection regulations that could impose operational restrictions or penalties","Funding and liquidity risk dependent on securitization markets and debt refinancing; deterioration in ABS market access or cost of funds could constrain growth"]
Competitors & peers
- Enova International (ENVA)
- LendingClub (LC)
- Elevate Credit (ELVT)
- CURO Group Holdings (CURO)
- Repay Holdings (RPAY)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.