RM vs RPAY
RM: Regional Management is a non-prime consumer finance lender originating and servicing secured retail installment contracts, funded through asset-backed securitizations. RPAY: A vertical-focused payments technology company that embeds electronic payment solutions into enterprise software systems for personal loans, automotive loans, receivables management, and B2B markets.
Side-by-side fundamentals
| Metric | RM | RPAY | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $42.52 | $3.66 | |
| Market cap as of 2026-07-23 | $392M | $319M | |
| P/E as of 2026-07-23 | 8.03 | n/a | |
| PEG as of 2026-07-23 | 0.17 | -0.00 | RPAY lower |
| Net margin as of 2026-07-23 | +7.4% | -82.7% | RM higher |
| Gross margin as of 2026-07-23 | +100.0% | +75.1% | RM higher |
| Operating margin as of 2026-07-23 | +22.9% | -79.9% | RM higher |
| ROE as of 2026-07-23 | +13.2% | -46.8% | RM higher |
| ROA as of 2026-07-23 | +2.4% | -20.3% | RM higher |
| Debt / equity as of 2026-07-23 | 4.30 | 0.82 | RPAY lower |
| Revenue growth (YoY) as of 2026-07-23 | +10.5% | +1.0% | RM higher |
| Revenue CAGR (3y) SEC XBRL | +8.4% | +3.5% | RM higher |
| Dividend yield as of 2026-07-23 | +2.8% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-07-23 | 0.97 | 1.86 | |
| 1-year return as of 2026-07-22 close | +29.9% | -30.2% | RM higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.