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Upturn AI SWOT - About
RM 
Regional Management Corp (RM)
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Upturn Advisory Summary
10/15/2025: RM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $44.67
1 Year Target Price $44.67
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.03% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 393.24M USD | Price to earnings Ratio 11.6 | 1Y Target Price 44.67 |
Price to earnings Ratio 11.6 | 1Y Target Price 44.67 | ||
Volume (30-day avg) 6 | Beta 1.16 | 52 Weeks Range 24.94 - 46.00 | Updated Date 10/15/2025 |
52 Weeks Range 24.94 - 46.00 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 2.99% | Basic EPS (TTM) 3.43 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.87% | Operating Margin (TTM) 22.28% |
Management Effectiveness
Return on Assets (TTM) 4.16% | Return on Equity (TTM) 9.81% |
Valuation
Trailing PE 11.6 | Forward PE 6.52 | Enterprise Value 1932573824 | Price to Sales(TTM) 0.66 |
Enterprise Value 1932573824 | Price to Sales(TTM) 0.66 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 9799066 | Shares Floating 6798102 |
Shares Outstanding 9799066 | Shares Floating 6798102 | ||
Percent Insiders 8.9 | Percent Institutions 85.61 |
Upturn AI SWOT
Regional Management Corp
Company Overview
History and Background
Regional Management Corp, founded in 1987, provides financial services, primarily small installment loans, to individuals with limited access to traditional banking products. It has grown steadily, expanding its branch network and product offerings over time.
Core Business Areas
- Consumer Loans: Offers a variety of small-dollar personal loans, typically unsecured or secured by household goods.
- Retail Sales Finance: Partners with retailers to provide financing options to consumers for the purchase of goods and services.
- Insurance Products: Offers credit life, credit accident and health, and property insurance products to its borrowers.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical, with regional managers overseeing branch operations.
Top Products and Market Share
Key Offerings
- Revenue: Loans make up the substantial majority of their business and revenue, generating over $500 million in interest, premium and other income in 2023.
- Unsecured Personal Loans: Short to medium term loans to consumers with limited access to traditional bank loans. Regional Managements focus is on sub-prime borrowers in small towns and rural areas. Market share data is difficult to ascertain with competitors including other regional lenders and online lenders. Competitors include World Acceptance Corporation and OneMain Financial.
- Revenue: Loans make up the substantial majority of their business and revenue, generating over $500 million in interest, premium and other income in 2023.
- Secured Personal Loans: Similar to unsecured loans, but borrowers are required to pledge collateral, usually household goods, to secure the loan. Competitors include World Acceptance Corporation and OneMain Financial.
- Retail Sales Finance: Loans originated through their partnerships with retailers which typically offer better terms to the borrower and lower risk to RMC. Competitors include companies like Affirm and other buy-now pay-later firms.
- Revenue: Loans make up the substantial majority of their business and revenue, generating over $500 million in interest, premium and other income in 2023.
Market Dynamics
Industry Overview
The consumer finance industry is competitive and highly regulated. It caters to individuals with limited access to traditional credit. Factors impacting the industry include interest rate changes, regulatory developments, and economic conditions.
Positioning
Regional Management Corp positions itself as a provider of affordable and accessible credit to underserved populations. Its competitive advantages include its established branch network and understanding of local markets.
Total Addressable Market (TAM)
The U.S. consumer finance market is estimated to be in the hundreds of billions of dollars annually. Regional Management's position relies on its ability to serve segments neglected by larger financial institutions, representing a significant but undefined portion of the total market.
Upturn SWOT Analysis
Strengths
- Established branch network
- Experience in serving underserved markets
- Proprietary underwriting technology
- Strong customer relationships
Weaknesses
- Higher cost of funds compared to traditional lenders
- Higher credit risk due to target customer base
- Geographic concentration
- Vulnerability to regulatory changes
Opportunities
- Expansion into new geographic markets
- Development of new financial products
- Increased use of technology to improve efficiency
- Partnerships with retailers and other businesses
Threats
- Increased competition from online lenders
- Economic downturn impacting borrowers' ability to repay
- Stricter regulations on consumer lending
- Changes in consumer preferences
Competitors and Market Share
Key Competitors
- WACC
- ONEM
Competitive Landscape
Regional Management Corp competes with other regional and national lenders, as well as online lenders. Its competitive advantages include its established branch network and local market knowledge. Its disadvantages include its higher cost of funds and higher credit risk.
Major Acquisitions
TFS Stores
- Year: 2015
- Acquisition Price (USD millions): 32
- Strategic Rationale: Expanded Regional Management's reach into select new locations
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by expansion into new markets and increases in loan volume.
Future Projections: Future growth is expected to be driven by continued expansion, increased adoption of technology, and potential acquisitions. Analyst estimates vary widely depending on economic conditions and regulatory changes.
Recent Initiatives: Recent strategic initiatives include investments in technology to improve underwriting and customer service, as well as expansion into new geographic markets.
Summary
Regional Management Corp is a financial services company that caters to underserved populations, providing small installment loans. While the company has an established presence and experience in its niche market, it faces challenges related to higher credit risk and competition from online lenders. Growth opportunities lie in geographic expansion, technology adoption, and strategic partnerships. Overall, the company's financial performance has been stable, but its future growth trajectory depends on its ability to navigate a dynamic and highly regulated industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Analyst reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data is based on historical information and may not be indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Regional Management Corp
Exchange NYSE | Headquaters Greer, SC, United States | ||
IPO Launch date 2012-03-28 | President, CEO & Director Mr. Robert William Beck | ||
Sector Financial Services | Industry Credit Services | Full time employees 2131 | |
Full time employees 2131 | |||
Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
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