Regional Management Valuation
| RM Stock | USD 38.51 1.46 3.94% |
At this time, the company appears to be undervalued. Regional Management Corp holds a recent Real Value of $43.79 per share. The prevailing price of the company is $38.51. Our model determines the value of Regional Management Corp from analyzing the company fundamentals such as Return On Equity of 0.11, operating margin of 0.26 %, and Shares Outstanding of 9.71 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Regional Management's valuation include:
Undervalued
Today
Please note that Regional Management's price fluctuation is very steady at this time. Calculation of the real value of Regional Management Corp is based on 3 months time horizon. Increasing Regional Management's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Regional stock is determined by what a typical buyer is willing to pay for full or partial control of Regional Management Corp. Since Regional Management is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Regional Stock. However, Regional Management's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 38.51 | Real 43.79 | Target 50.0 | Hype 37.1 | Naive 37.64 |
The intrinsic value of Regional Management's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Regional Management's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Regional Management Corp helps investors to forecast how Regional stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Regional Management more accurately as focusing exclusively on Regional Management's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Regional Management's intrinsic value based on its ongoing forecasts of Regional Management's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Regional Management's closest peers.
Regional Management Cash |
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Regional Management Total Value Analysis
Regional Management Corp is at this time expected to have takeover value of 1.97 B with market capitalization of 363.06 M, debt of 1.51 B, and cash on hands of 13.01 M. Please note that takeover value may be misleading and is a subject to accounting mistakes. We encourage investors to methodically examine all of the Regional Management fundamentals before making investment evaluation based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
1.97 B | 363.06 M | 1.51 B | 13.01 M |
Regional Management Investor Information
About 82.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.94. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Regional Management Corp has Price/Earnings To Growth (PEG) ratio of 0.42. The entity last dividend was issued on the 25th of November 2025. The firm had 5:1 split on the 13th of August 2003. Based on the key indicators related to Regional Management's liquidity, profitability, solvency, and operating efficiency, Regional Management Corp is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.2 | 0.11 |
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| Total Cash From Operating Activities | 324.7 M | 309.3 M |
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| Operating Income | 47.7 M | 62.2 M |
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Regional Management Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Regional Management has an asset utilization ratio of 30.83 percent. This suggests that the Company is making $0.31 for each dollar of assets. An increasing asset utilization means that Regional Management Corp is more efficient with each dollar of assets it utilizes for everyday operations.Regional Management Profitability Analysis
Based on Regional Management's profitability indicators, Regional Management Corp is performing exceptionally good at the present time. It has a great chance to showcase excellent profitability results in March. Profitability indicators assess Regional Management's ability to earn profits and add value for shareholders.Net Income | First Reported 2009-12-31 | Previous Quarter 10.1 M | Current Value 14.4 M | Quarterly Volatility 6 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.69 | 0.59 |
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| Net Profit Margin | 0.13 | 0.0806 |
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| Operating Profit Margin | 0.2 | 0.11 |
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| Pretax Profit Margin | 0.2 | 0.11 |
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| Return On Assets | 0.0443 | 0.0248 |
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| Return On Equity | 0.19 | 0.13 |
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For Regional Management profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Regional Management Corp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Regional Management utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Regional Management's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Regional Management over time as well as its relative position and ranking within its peers.
Regional Management Earnings per Share Projection vs Actual
The next projected EPS of Regional Management is estimated to be 1.575 with future projections ranging from a low of 1.4 to a high of 1.72. Regional Management's most recent 12-month trailing earnings per share (EPS TTM) is at 4.24. Please be aware that the consensus of earnings estimates for Regional Management Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Regional Management Earnings Estimation Breakdown
The calculation of Regional Management's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Regional Management is estimated to be 1.575 with the future projection ranging from a low of 1.4 to a high of 1.72. Please be aware that this consensus of annual earnings estimates for Regional Management Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
1.40 Lowest | Expected EPS | 1.72 Highest |
Regional Management Earnings Projection Consensus
Suppose the current estimates of Regional Management's value are higher than the current market price of the Regional Management stock. In this case, investors may conclude that Regional Management is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Regional Management's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 4 | 62.02% | 0.0 | 1.575 | 4.24 |
Regional Management Ownership Allocation
The market capitalization of Regional Management Corp is $363.06 Million. The majority of Regional Management Corp outstanding shares are owned by third-party entities. These institutional holders are usually referred to as non-private investors looking to secure positions in Regional Management Corp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Regional Management. Please pay attention to any change in the institutional holdings of Regional Management Corp as this could imply that something significant has changed or is about to change at the company. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Regional Management Profitability Analysis
The company generated the yearly revenue of 588.5 M. Reported Net Income was 41.23 M with gross profit of 373.47 M.Regional Management Past Distributions to stockholders
About Regional Management Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Regional Management Corp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Regional Management Corp based exclusively on its fundamental and basic technical indicators. By analyzing Regional Management's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Regional Management's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Regional Management. We calculate exposure to Regional Management's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Regional Management's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 347 M | 190.6 M | |
| Pretax Profit Margin | 0.11 | 0.20 | |
| Operating Profit Margin | 0.11 | 0.20 | |
| Net Profit Margin | 0.08 | 0.13 | |
| Gross Profit Margin | 0.59 | 0.69 |
Regional Management Quarterly Retained Earnings |
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A single share of Regional Management represents a small ownership stake in the entity. As a stockholder of Regional, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Regional Management Dividends Analysis For Valuation
At this time, Regional Management's Dividends Paid is very stable compared to the past year. As of the 2nd of February 2026, Dividend Paid And Capex Coverage Ratio is likely to grow to 21.88, while Dividend Yield is likely to drop 0.02. . At this time, Regional Management's Retained Earnings are very stable compared to the past year. As of the 2nd of February 2026, Retained Earnings Total Equity is likely to grow to about 417.2 M, while Earnings Yield is likely to drop 0.09.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 14 M | 14.7 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.27 | 0.23 | |
| Dividend Paid And Capex Coverage Ratio | 17.98 | 21.88 |
There are various types of dividends Regional Management can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Regional shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Regional Management Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Regional pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Regional Management by the value of the dividends paid out.
Regional Management Growth Indicators
Investing in growth stocks can be very risky. If the company such as Regional Management does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 10.1 M | |
| Quarterly Earnings Growth Y O Y | 0.868 | |
| Forward Price Earnings | 6.5189 |
Regional Management Current Valuation Indicators
Regional Management's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Regional Management's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Regional Management, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Regional Management's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Regional Management's worth.Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Regional Management Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons. You can also try the ETF Categories module to list of ETF categories grouped based on various criteria, such as the investment strategy or type of investments.
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 4.24 | 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.