Regional Management Corp. (RM) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, Regional Management Corp. (NYSE: RM) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $39.21 (+8.02% 1D, market cap $334.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, RM ranks #372 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), RM carries a Roarable C- (61/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 11.9%. By comparison, CCAP (Crescent Capital BDC Inc.) holds a D grade (51/100 RQD, P/E 9.9x, ROIC -11.1%, cap $341.6M) and BRBI (BRBI BR Partners S.A. ADSs) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $353.5M). Among the 5-stock peer group, RM leads on earnings multiple (7.5x) while RM leads on capital efficiency (11.9% ROIC).
Per RM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001519401), Regional Management Corp. generated $645.6M in revenue (+9.7% YoY), $44.4M in net income, and $304.3M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 47.1% FCF Margin ($304.3M FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9
Macro rate sensitivity & RSI-14 (66.7) create a -10 pt regime headwind
Even with a 61/100 (C-) score, RM faces multiple-compression risk if 7.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.90) or 200D SMA ($35.28) invalidates the momentum regime and cuts Target Base ($39.74) toward Bear Floor ($31.00).
Regional Management Corp. (RM) surged +8.02% to $39.21, trading at 65% of its 52-week range ($29.89 – $44.3). Solid steady margins (12% return on capital), mixed timing at 8x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
2026-11-01. The following slide deck was published by Regional Management Corp.
Moby summary of Regional Management Corp.'s Q3 2026 earnings call
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +9.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RM today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RM. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Regional Management Corp. (RM) ranks #372 by composite RQD confidence (61/100, grade C-) and #787 by equity capitalization ($334.9M). Within this direct 5-issuer industry benchmark cohort, RM leads on earnings valuation at 7.5x trailing P/E, while RM leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. RM currently leads its immediate peer cohort in composite quantitative strength at 61/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| RM
ACTIVE
Regional Management Corp. | C- | 61/100 | 7.5x | — | 11.9% | +8.02% | $334.9M | Benchmark Subject |
| CCAP Crescent Capital BDC Inc. | D | 51/100 | 9.9x | — | -11.1% | +1.56% | $341.6M | /ccap-vs-rm → |
| BRBI BRBI BR Partners S.A. ADSs | D | 45/100 | — | — | — | +3.55% | $353.5M | /brbi-vs-rm → |
| GEMI Gemini Space Station Inc. (Class A) | E | 24/100 | — | — | -35.0% | -7.49% | $376.1M | /gemi-vs-rm → |
| BTBT Bit Digital Inc. | E | 23/100 | — | — | -12.0% | -8.05% | $288.5M | /btbt-vs-rm → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Regional Management Corp. (RM) reported GAAP revenue of $645.6M (+9.7% vs. FY2024 revenue of $588.5M , and +17.1% cumulative change since FY2023) , GAAP net income of $44.4M, operating cash flow of $309.1M, and free cash flow of $304.3M (+15.3% YoY). On the balance sheet, RM closed FY2025 with $2.10B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $645.6M | $44.4M | $309.1M | $304.3M | $2.10B | — |
| FY2024 (FY) | 2024-12-31 | $588.5M | $41.2M | $268.9M | $263.9M | $1.91B | — |
| FY2023 (FY) | 2023-12-31 | $551.4M | $16.0M | $249.2M | $249.2M | — | — |
As of 2026-11-03, Regional Management Corp. (NYSE: RM) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $39.21 (+8.02% 1D, market cap $334.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, RM ranks #372 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), RM carries a Roarable C- (61/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 11.9%. By comparison, CCAP (Crescent Capital BDC Inc.) holds a D grade (51/100 RQD, P/E 9.9x, ROIC -11.1%, cap $341.6M) and BRBI (BRBI BR Partners S.A. ADSs) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $353.5M). Among the 5-stock peer group, RM leads on earnings multiple (7.5x) while RM leads on capital efficiency (11.9% ROIC).
Per RM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001519401), Regional Management Corp. generated $645.6M in revenue (+9.7% YoY), $44.4M in net income, and $304.3M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
RM last traded at $39.21 (+8.02% on volume of 168,749 shares), positioning the stock +19.18% above its 50-day simple moving average ($32.90) and +11.14% above its 200-day simple moving average ($35.28). Across its 52-week range of $29.89 to $44.30, RM sits at the 64.7% percentile with a 14-day RSI of 66.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.3% ($35.96 to $42.46).
Regional Management Corp. (RM) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $39.21 (+8.02% 1D, market capitalization $334.9M).
Regional Management Corp. (RM) is a NYSE-listed issuer in the Financials sector, Finance: Consumer Services industry. The news wire references "bank" activity in one headline, but the source does not provide detail on how the company generates its revenue. Market capitalization is reported at $0.3B in the profile.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Regional Management Corp. (RM) reported $645.6M in annual revenue (up from $588.5M in FY2024, +9.7% YoY) and $44.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($551.4M revenue, $16.0M net income) through FY2025, RM scaled operating cash flow to $309.1M and free cash flow to $304.3M, backed by $2.10B in total assets against $0 in total debt.
The sector and industry classification (Financials; Finance: Consumer Services) is the only structural context provided.
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Yahoo Finance report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Regional Management Corp. (RM) market action, institutional positioning, and fundamental catalysts.
Picked up a starter position in RM in my $100K Virtual Cash book at $36.30. Revenue grew each reported year from $551.4M to $645.6M while net income rose from $16.0M to $44.4M, and the P/E TTM is 7.5.. Trading inside a $29.89–$44.30 52-week range with 0.0% FCF yield gives solid downside support if Finance: Consumer Services multiples expand this quarter.
@BreakoutHunter Agree on the RQD 61/100 quality, though with 1.0 beta I'm scaling in with half-size at $36.30 and keeping dry powder in case we test $33.76.
Here is the bear case nobody on the bull side wants to address on RM: The 0% FCF yield and 0% dividend yield provide no direct cash return to holders, and the news wire flags that cheap debt is running out.. At 7.5x trailing P/E, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.
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