Stocktoria

Regional Management Corp. RM

NYSE · stock · Personal Credit Institutions · website · IPO 2012-03-28 · LEI

Regional Management Corp. statistics & valuation

Market cap$377.9M
P / E8.5×
P / S0.6×
P / B1.0×
P / FCF1.2×
Net margin6.9%
Return on equity11.9%
FCF margin47.1%
Net debt$1.6B
Enterprise value USD$2.0B
Graham number +90.1%$61.17

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($61.17); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
10.00% 11.00% 11.50% 12.60% 7.10% 20.70% 10.10% 2.90% 7.00% 6.90% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
11.60% 12.50% 12.70% 14.80% 9.80% 31.40% 16.60% 5.00% 11.50% 11.90% 2016201720182019202020212022202320242025
Shares outstanding
12.1M 11.8M 12.1M 11.8M 11.1M 10.6M 9.7M 9.8M 10.0M 10.0M 2016201720182019202020212022202320242025
Net debt ($)
$489.5M $566.5M $651.3M $798.6M $762.2M $1.10B $1.35B $1.40B $1.47B $1.64B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
3.40% 3.60% 3.70% 3.90% 2.40% 6.10% 3.00% 0.90% 2.20% 2.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
39.00% 40.60% 46.00% 42.80% 43.10% 43.30% 43.10% 44.30% 44.80% 47.10% 2016201720182019202020212022202320242025
Debt / equity (×)
2.36× 2.37× 2.33× 2.64× 2.80× 3.88× 4.36× 4.33× 4.12× 4.40× 2016201720182019202020212022202320242025
EPS ($)
$1.99 $2.54 $2.93 $3.80 $2.40 $8.33 $5.30 $1.66 $4.14 $4.45 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Regional Management Corp. trades at about 7.2× earnings — below its 10-year norm (10-year range 6.1×–14.7×, median 9.4×).

6.1× 14.7×

Shaded band = 10-year range (6.1×–14.7×); dot = today's 7.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin6.9%7.0%2.9%10.1%20.7%7.1%12.6%11.5%11.0%10.0%
FCF margin47.1%44.8%44.3%43.1%43.3%43.1%42.8%46.0%40.6%39.0%
Return on assets2.1%2.2%0.9%3.0%6.1%2.4%3.9%3.7%3.6%3.4%
Return on equity11.9%11.5%5.0%16.6%31.4%9.8%14.8%12.7%12.5%11.6%
Debt / equity4.40×4.12×4.33×4.36×3.88×2.80×2.64×2.33×2.37×2.36×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.