REGIONAL MANAGEMENT CORP (RM)
Financials · Consumer Finance · NYSE
Regional Management is a consumer finance company providing installment loans and related credit insurance products to underserved borrowers who have limited access to traditional banking services.
What REGIONAL MANAGEMENT CORP does
Regional Management Corp. is a diversified consumer finance company that provides installment loan products to customers with limited access to consumer credit from banks, captive finance companies, and other traditional lenders. The company offers a variety of loan products, including small and large installment loans, primarily through a network of branches and digital platforms. Additionally, the company provides ancillary products such as credit life, credit disability, and involuntary unemployment insurance.
Themes: consumer lending, subprime credit, installment loans, specialty finance, credit insurance
Fundamentals
- Price$34.11 as of 2026-08-21 close
- Market cap$315M as of 2026-08-21
- 1-year return-8.0% 2025-08-21 close $37.08 → 2026-08-21 close $34.11
- P/E6.44 as of 2026-08-24
- Net margin+7.0% as of 2026-08-24
- Gross margin+100.0% as of 2026-08-24
- ROE+12.5% as of 2026-08-24
- Debt / equity4.42 as of 2026-08-24
- Revenue growth (YoY)+9.6% as of 2026-08-24
- Revenue CAGR (3y)+8.4% SEC XBRL
- Beta1.01 as of 2026-08-24
- Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.4%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How RM compares in its sector
- price-to-earnings ratiobottom 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 25% 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- gross margintop 10% 176 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, RM's dividend was covered by reported results (earnings payout 26%, free-cash-flow payout 4%). This describes past coverage, not a forecast.
- Earnings payout26% dividends / net income
- Free-cash-flow payout4% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How REGIONAL MANAGEMENT CORP looks technically
REGIONAL MANAGEMENT CORP (RM) is trading 7.1% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 32 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 25, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 10 trading days ago. It is 25.8% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 7.1% below its 200-day average, the long-term trend line — a long-term downtrend | -7.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $38.10 | $38.10 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $36.70 | $36.70 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 21 calendar days ago — the swings before that are what the structure reading is measured on | 21 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 32 trading days ago — a "golden cross", a bullish long-term signal | 32 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 25, with sellers in control | 25.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30) | 43.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($31.35 to $35.51) — its "stochastic" reading is 66 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 66.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $46.00 | $46.00 |
|---|---|---|
| From the 52-week high | it is 25.8% below its 52-week high (its highest price of the past year) | -25.9% |
| Above the 52-week low | it is 12.0% above its 52-week low (its lowest price of the past year) | +12.0% |
| Below the 52-week high | it is 25.8% below its highest point of the past year | 25.9% |
| Since a 20-day breakout | it made a new 20-day low about 10 trading days ago | 10 sessions |
| Since a 55-day breakout | it made a new 55-day low about 10 trading days ago | 10 sessions |
| All-time high | its highest closing price on record is $67.60 (set on 2021-11-22) | $67.60 |
| Given back of the 52-week move | over the past year its closes ranged ($30.88 to $45.54), and it has recovered roughly a quarter of its fall from last year’s high — 22% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $39.94 to $40.41. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 22.0% |
| From the all-time high | it is 49.5% below its all-time high | -49.5% |
| Nearest price level | it is sitting right on a resistance level at $34.20 — a price it turned at four times since 2024-08-29, most recently on 2025-07-08. Since 2024-08-21 it has 6 such levels below the current price and 8 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.3% |
| All-time low | its lowest closing price on record is $10.33 (set on 2020-05-14) | $10.33 |
| Above the all-time low | it is 230.3% above its all-time low | +230.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 90% of the past ~6 months) | 90th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.47 between its high and its low — about 4.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.47 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $27.61 and $41.22 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $27.61 – $34.42 – $41.22 |
| Typical daily range (% of price) | its price moves about 4.3% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.3% |
| Stretch from the 200-day average | it is trading 1.8 daily ranges below its 200-day average price (7.1% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.8 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.53× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.8% |
|---|---|---|
| Open gap | it gapped 4.4% below the previous close 16 sessions ago and has not traded back through the level it left behind at 42.36 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -4.4% |
| Gap filled | a 2.2% gap up opened on 2026-06-11 has been "filled" 49 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 49 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 22.2 percentage points (the stock lost 19.9% while the market gained 2.3%) | -22.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 7.2 percentage points (the stock lost 4.1% while the market gained 3.1%) | -7.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 12.5 percentage points (the stock lost 1.4% while the market gained 11.1%) | -12.5% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 28.5 percentage points (the stock lost 8.0% while the market gained 20.5%) | -28.5% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, MACD momentum is positive — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 12% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 6.2% of the share price. | -12.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 6% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $36.09 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | -5.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% above the average price paid since it last reported on 2026-07-29 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $33.42 — a volume-weighted average of daily closes over 18 sessions, not a true tick-by-tick VWAP. | +2.1% |
Price levels it has turned at before
RM last closed at $34.11 on 2026-08-21. Since 2024-08-21 it has turned at 6 prices below its last close and 8 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $34.20 | Resistance | 0.3% above the last close | turned there four times · 2024-08-29 to 2025-07-08 |
| $33.47 | Support | 1.9% below the last close | turned there 7 times · 2024-09-17 to 2026-06-03 |
| $35.34 | Resistance | 3.6% above the last close | turned there six times · 2024-12-16 to 2026-03-05 |
| $36.02 | Resistance | 5.6% above the last close | turned there twice · 2025-12-09 to 2026-01-20 |
| $32.06 | Support | 6.0% below the last close | turned there four times · 2024-10-17 to 2025-04-09 |
| $30.72 | Support | 9.9% below the last close | turned there 8 times · 2024-09-06 to 2026-07-31 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · lagging the market · Trading below the Ichimoku cloud · Near a resistance level (pressing into a price that has capped it before) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.75 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$43.83 range $38.50 – $50.00; median $43.00
Analyst estimates, as of 2026-08-24. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for RM
- Consensus EPS estimate$1.46 next reporting period, as of 2026-08-24
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to credit risk and potential increases in net credit loss rates among the company's subprime customer base.","Significant dependence on access to capital markets and revolving credit facilities to fund operations and manage liquidity.","Regulatory risks associated with consumer lending laws, including interest rate caps and state-level licensing requirements."]
What changed in the latest 10-Q
AI-assisted comparison of RM's 10-Q filed 2026-05-01 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to Annual Report on Form 10-K for fiscal year ended December 31, 2025 filed February 20, 2026 (newer filing)
- As of March 31, 2026: 355 branch locations, 572,000 active accounts (newer filing)
- Large Loans data as of March 31, 2026: 286.8 thousand loans, $1.6 billion net finance receivables, 81.2 thousand convenience checks at $259.7 million (newer filing)
- Small Loans data as of March 31, 2026: 285.2 thousand loans, $512.5 million net finance receivables, 147.6 thousand convenience checks at $227.5 million (newer filing)
- Statement on macroeconomic factors impacting typical seasonal trends in newer filing MD&A
- Removed:
- Reference to Annual Report on Form 10-K for fiscal year ended December 31, 2024 filed February 21, 2025 (older filing)
- References to Quarterly Reports on Form 10-Q for quarters ended March 31, 2025 and June 30, 2025 (older filing)
- Outlook section removed entirely from newer filing
- Macroeconomic discussion with specific metrics on higher-margin small loan portfolio, auto-secured loan portfolio percentages, and allowance for credit losses details (older filing)
- Liquidity discussion with specific dollar amounts of $155.4 million available liquidity and $399.8 million unused capacity (older filing)
- As of September 30, 2025: 349 branch locations, 585,400 active accounts (older filing)
- Large Loans data as of September 30, 2025: 280.4 thousand loans, $1.5 billion net finance receivables, 78.2 thousand convenience checks at $236.0 million (older filing)
- Small Loans data as of September 30, 2025: 305.0 thousand loans, $540.9 million net finance receivables, 161.0 thousand convenience checks at $248.0 million (older filing)
- Reworded:
- Index page numbers changed: Forward-Looking Statements from page 30 to page 27, Overview from page 30 to page 27, Factors Affecting from page 31 to page 28, Components of Results from page 32 to page 29, Results of Operations from page 34 to page 30, Liquidity from page 41 to page 35, Critical Accounting from page 43 to page 37 (newer filing)
- Comparison section header changed from September 30 dates to March 31 dates with corresponding years (2025 vs 2024 in older, 2026 vs 2025 in newer)
- Removed nine-month comparison section; kept only three-month comparison in newer filing
- Phrasing change: 'Large and small installment loans are our core products and will be the drivers of future growth' (older) to 'Our core products are large and small installment loans' (newer)
- Consolidated forward-looking statements risk references into single reference to Form 10-K in newer filing versus multiple specific prior quarterly report references in older filing
- Notes:
- The older filing text for Factors Affecting and Overview sections appears truncated at 'Loan demand has generally been the lowest during the first quarter...Delinquencies' and 'Outlook' section ends abruptly mid-word 'borrowing mon', limiting full comparison of those sections
- Index page numbers reflect form formatting differences but actual content locations differ due to length variations
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
2 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days2 buys ($316495) · 0 sells — 1 buying insider
- Last 90 days2 buys ($316495) · 2 sells ($209028) — 1 buying, 1 selling insiders
- Last 180 days2 buys ($316495) · 10 sells ($2M) — 1 buying, 4 selling insiders
Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-12. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about RM's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding RM as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,611,262
- Reported value $51,963,201
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 1 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
RM had 404,005 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
RM had 4.38% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.63 days to cover at the same settlement.
- Reported short interest (shares) 404,005
- Short interest (% of shares outstanding) 4.38%
- Prior settlement (shares) 455,354
- Reported change -11.28%
- Days to cover (reported) 4.63
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- OneMain Holdings (OMF)
- Encore Capital Group (ECPG)
- Elevate Credit (ELVT)
- Oportun Financial (OPRT)
- World Acceptance Corporation (WRLD)
- Synchrony Financial (SYF)
- Ally Financial (ALLY)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare RM vs…
REGIONAL MANAGEMENT CORP is found in…
RM ranks in…
Frequently asked questions
What does REGIONAL MANAGEMENT CORP (RM) do?
Regional Management Corp. is a diversified consumer finance company that provides installment loan products to customers with limited access to consumer credit from banks, captive finance companies, and other traditional lenders. The company offers a variety of loan products, including small and large installment loans, primarily through a network of branches and digital platforms.
What sector is REGIONAL MANAGEMENT CORP (RM) in?
REGIONAL MANAGEMENT CORP (RM) is classified in the Financials sector. Its industry is Consumer Finance. It trades on NYSE.
Does RM pay a dividend?
Yes — REGIONAL MANAGEMENT CORP (RM) pays a dividend, with an indicated yield of about 5.41% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are REGIONAL MANAGEMENT CORP's (RM) competitors?
Notable peers of REGIONAL MANAGEMENT CORP (RM) include OneMain Holdings, Encore Capital Group, Elevate Credit, Oportun Financial and World Acceptance Corporation. This peer set is informational only — not financial advice.
Is REGIONAL MANAGEMENT CORP (RM) overbought or oversold right now?
REGIONAL MANAGEMENT CORP (RM) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 44, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on RM come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.