Regional Management Corp Stock Net Income
| RM Stock | USD 35.93 0.28 0.79% |
As of the 29th of January, Regional Management holds the Coefficient Of Variation of (1,831), variance of 6.04, and Risk Adjusted Performance of (0.03). Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Regional Management, as well as the relationship between them. Please check Regional Management Corp standard deviation and value at risk to decide if Regional Management Corp is priced some-what accurately, providing market reflects its current price of 35.93 per share. Given that Regional Management has information ratio of (0.09), we recommend you to check out Regional Management Corp's recent market performance to make sure the company can sustain itself at a future point.
Regional Management Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.601 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 47.4 M | 34.2 M | |
| Net Income Applicable To Common Shares | 47.4 M | 35.8 M | |
| Net Income From Continuing Ops | 47.4 M | 38.1 M | |
| Net Income Per Share | 3.85 | 2.34 | |
| Net Income Per E B T | 0.69 | 0.56 |
Regional | Net Income | Build AI portfolio with Regional Stock |
Latest Regional Management's Net Income Growth Pattern
Below is the plot of the Net Income of Regional Management Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Regional Management Corp financial statement analysis. It represents the amount of money remaining after all of Regional Management Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Regional Management's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Regional Management's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 41.23 M | 10 Years Trend |
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Net Income |
| Timeline |
Regional Net Income Regression Statistics
| Arithmetic Mean | 33,064,737 | |
| Geometric Mean | 29,066,077 | |
| Coefficient Of Variation | 55.87 | |
| Mean Deviation | 13,098,750 | |
| Median | 28,794,000 | |
| Standard Deviation | 18,472,912 | |
| Sample Variance | 341.2T | |
| Range | 78.8M | |
| R-Value | 0.52 | |
| Mean Square Error | 265.7T | |
| R-Squared | 0.27 | |
| Significance | 0.03 | |
| Slope | 1,900,579 | |
| Total Sum of Squares | 5460T |
Regional Net Income History
Other Fundumenentals of Regional Management Corp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Regional Management Net Income component correlations
Regional Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Regional Management is extremely important. It helps to project a fair market value of Regional Stock properly, considering its historical fundamentals such as Net Income. Since Regional Management's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Regional Management's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Regional Management's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Consumer Finance sector continue expanding? Could Regional diversify its offerings? Factors like these will boost the valuation of Regional Management. Anticipated expansion of Regional directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Regional Management data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.868 | Dividend Share 1.2 | Earnings Share 4.13 | Revenue Per Share | Quarterly Revenue Growth 0.132 |
Regional Management Corp's market price often diverges from its book value, the accounting figure shown on Regional's balance sheet. Smart investors calculate Regional Management's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Regional Management's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between Regional Management's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Regional Management should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Regional Management's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Regional Management 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Regional Management's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Regional Management.
| 10/31/2025 |
| 01/29/2026 |
If you would invest 0.00 in Regional Management on October 31, 2025 and sell it all today you would earn a total of 0.00 from holding Regional Management Corp or generate 0.0% return on investment in Regional Management over 90 days. Regional Management is related to or competes with Atlanticus Holdings, Runway Growth, First Bank, Carter Bank, Bank7 Corp, Community West, and Greene County. Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily ... More
Regional Management Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Regional Management's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Regional Management Corp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.09) | |||
| Maximum Drawdown | 13.72 | |||
| Value At Risk | (3.78) | |||
| Potential Upside | 3.68 |
Regional Management Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Regional Management's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Regional Management's standard deviation. In reality, there are many statistical measures that can use Regional Management historical prices to predict the future Regional Management's volatility.| Risk Adjusted Performance | (0.03) | |||
| Jensen Alpha | (0.26) | |||
| Total Risk Alpha | (0.36) | |||
| Treynor Ratio | (0.08) |
Regional Management January 29, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.03) | |||
| Market Risk Adjusted Performance | (0.07) | |||
| Mean Deviation | 1.84 | |||
| Coefficient Of Variation | (1,831) | |||
| Standard Deviation | 2.46 | |||
| Variance | 6.04 | |||
| Information Ratio | (0.09) | |||
| Jensen Alpha | (0.26) | |||
| Total Risk Alpha | (0.36) | |||
| Treynor Ratio | (0.08) | |||
| Maximum Drawdown | 13.72 | |||
| Value At Risk | (3.78) | |||
| Potential Upside | 3.68 | |||
| Skewness | (0.71) | |||
| Kurtosis | 3.13 |
Regional Management Corp Backtested Returns
Regional Management Corp maintains Sharpe Ratio (i.e., Efficiency) of -0.0472, which implies the firm had a -0.0472 % return per unit of risk over the last 3 months. Regional Management Corp exposes twenty-four different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check Regional Management's Variance of 6.04, coefficient of variation of (1,831), and Risk Adjusted Performance of (0.03) to confirm the risk estimate we provide. The company holds a Beta of 1.76, which implies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Regional Management will likely underperform. At this point, Regional Management Corp has a negative expected return of -0.12%. Please make sure to check Regional Management's value at risk, as well as the relationship between the daily balance of power and price action indicator , to decide if Regional Management Corp performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.2 |
Insignificant reverse predictability
Regional Management Corp has insignificant reverse predictability. Overlapping area represents the amount of predictability between Regional Management time series from 31st of October 2025 to 15th of December 2025 and 15th of December 2025 to 29th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Regional Management Corp price movement. The serial correlation of -0.2 indicates that over 20.0% of current Regional Management price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.2 | |
| Spearman Rank Test | 0.06 | |
| Residual Average | 0.0 | |
| Price Variance | 1.79 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Regional Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Regional Management Corp reported net income of 41.23 M. This is 96.77% lower than that of the Consumer Finance sector and 96.98% lower than that of the Financials industry. The net income for all United States stocks is 92.78% higher than that of the company.
Regional Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Regional Management's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Regional Management could also be used in its relative valuation, which is a method of valuing Regional Management by comparing valuation metrics of similar companies.Regional Management is currently under evaluation in net income category among its peers.
Regional Management ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Regional Management's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Regional Management's managers, analysts, and investors.Environmental | Governance | Social |
Regional Management Institutional Holders
Institutional Holdings refers to the ownership stake in Regional Management that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Regional Management's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Regional Management's value.| Shares | American Century Companies Inc | 2025-06-30 | 187.8 K | State Street Corp | 2025-06-30 | 172.5 K | Goldman Sachs Group Inc | 2025-06-30 | 119.6 K | Charles Schwab Investment Management Inc | 2025-06-30 | 118.4 K | Bridgeway Capital Management, Llc | 2025-06-30 | 107.7 K | Northern Trust Corp | 2025-06-30 | 102.1 K | Ubs Group Ag | 2025-06-30 | 101.7 K | Bank Of New York Mellon Corp | 2025-06-30 | 97.9 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 80.4 K | Blackrock Inc | 2025-06-30 | 1.2 M | Forager Capital Management, Llc | 2025-06-30 | 1.1 M |
Regional Fundamentals
| Return On Equity | 0.11 | ||||
| Return On Asset | 0.0443 | ||||
| Profit Margin | 0.07 % | ||||
| Operating Margin | 0.26 % | ||||
| Current Valuation | 1.96 B | ||||
| Shares Outstanding | 9.71 M | ||||
| Shares Owned By Insiders | 8.79 % | ||||
| Shares Owned By Institutions | 82.30 % | ||||
| Number Of Shares Shorted | 273.92 K | ||||
| Price To Earning | 5.56 X | ||||
| Price To Book | 0.96 X | ||||
| Price To Sales | 0.57 X | ||||
| Revenue | 588.5 M | ||||
| Gross Profit | 373.47 M | ||||
| EBITDA | 68.14 M | ||||
| Net Income | 41.23 M | ||||
| Cash And Equivalents | 13.01 M | ||||
| Cash Per Share | 1.36 X | ||||
| Total Debt | 1.51 B | ||||
| Debt To Equity | 4.07 % | ||||
| Current Ratio | 42.53 X | ||||
| Book Value Per Share | 37.94 X | ||||
| Cash Flow From Operations | 268.93 M | ||||
| Short Ratio | 5.35 X | ||||
| Earnings Per Share | 4.13 X | ||||
| Price To Earnings To Growth | 0.42 X | ||||
| Target Price | 50.0 | ||||
| Number Of Employees | 2.13 K | ||||
| Beta | 1.07 | ||||
| Market Capitalization | 349.34 M | ||||
| Total Asset | 1.91 B | ||||
| Retained Earnings | 378.48 M | ||||
| Working Capital | 585.99 M | ||||
| Current Asset | 598.65 M | ||||
| Current Liabilities | 12.66 M | ||||
| Annual Yield | 0.03 % | ||||
| Net Asset | 1.91 B | ||||
| Last Dividend Paid | 1.2 |
About Regional Management Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Regional Management Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Regional Management using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Regional Management Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Consumer Finance sector continue expanding? Could Regional diversify its offerings? Factors like these will boost the valuation of Regional Management. Anticipated expansion of Regional directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Regional Management data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.868 | Dividend Share 1.2 | Earnings Share 4.13 | Revenue Per Share | Quarterly Revenue Growth 0.132 |
Regional Management Corp's market price often diverges from its book value, the accounting figure shown on Regional's balance sheet. Smart investors calculate Regional Management's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Regional Management's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between Regional Management's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Regional Management should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Regional Management's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.