Regional Management Corp (RM) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Regional Management Corp stock (RM) is currently trading at $32.44. Regional Management Corp PE ratio is 7.32. Regional Management Corp PS ratio (Price-to-Sales) is 0.51. Analyst consensus price target for RM is $50.00. WallStSmart rates RM as Buy.
- RM PE ratio analysis and historical PE chart
- RM PS ratio (Price-to-Sales) history and trend
- RM intrinsic value — DCF, Graham Number, EPV models
- RM stock price prediction 2025 2026 2027 2028 2029 2030
- RM fair value vs current price
- RM insider transactions and insider buying
- Is RM undervalued or overvalued?
- Regional Management Corp financial analysis — revenue, earnings, cash flow
- RM Piotroski F-Score and Altman Z-Score
- RM analyst price target and Smart Rating
Regional Management Corp
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RM Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Regional Management Corp (RM)
RM trades at a significant discount to its Graham intrinsic value of $208.26, offering a 84% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Regional Management Corp (RM) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
Regional Management Corp (RM) Key Strengths (6)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 32.50% year-over-year
86.54% of shares held by major funds and institutions
Strong operational efficiency: $24 kept per $100 revenue
Supporting Valuation Data
Regional Management Corp (RM) Areas to Watch (4)
Modest revenue growth at 9.60%
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Regional Management Corp (RM) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.7/10) while 4 fall into concern territory (avg 4.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Price/Book. Valuation metrics including PEG Ratio (0.42), Price/Sales (0.51), Price/Book (0.79) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 23.60%. Growth metrics are encouraging with EPS Growth at 32.50%.
The Bear Case
The primary concerns are Revenue Growth, Profit Margin, Market Cap. Growth concerns include Revenue Growth at 9.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.20%, Profit Margin at 7.11%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Sales makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RM Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RM's Price-to-Sales ratio of 0.51x trades 44% below its historical average of 0.9x (17th percentile). The current valuation is 79% below its historical high of 2.39x set in Dec 2013, and 49% above its historical low of 0.34x in Apr 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Regional Management Corp (RM) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Regional Management Corp operates as a stable business with moderate growth and solid fundamentals. Revenue reached 625M with 10% growth year-over-year. Profit margins are thin at 7.1%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1220.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 79M in free cash flow and 80M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Regional Management Corp push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 3.8%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Regional Management Corp.
Bottom Line
Regional Management Corp offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Regional Management Corp(RM)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.