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Upturn AI SWOT - About
RM 
Regional Management Corp (RM)
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Upturn Advisory Summary
09/12/2025: RM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $39.75
1 Year Target Price $39.75
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.43% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 417.73M USD | Price to earnings Ratio 12.32 | 1Y Target Price 39.75 |
Price to earnings Ratio 12.32 | 1Y Target Price 39.75 | ||
Volume (30-day avg) 6 | Beta 1.21 | 52 Weeks Range 24.94 - 44.71 | Updated Date 09/14/2025 |
52 Weeks Range 24.94 - 44.71 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.79% | Basic EPS (TTM) 3.46 |
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 12.32 | Forward PE 6.52 | Enterprise Value 1960501120 | Price to Sales(TTM) 0.71 |
Enterprise Value 1960501120 | Price to Sales(TTM) 0.71 | ||
Enterprise Value to Revenue 3.69 | Enterprise Value to EBITDA - | Shares Outstanding 9799070 | Shares Floating 6798102 |
Shares Outstanding 9799070 | Shares Floating 6798102 | ||
Percent Insiders 8.9 | Percent Institutions 85.67 |
Upturn AI SWOT
Regional Management Corp
Company Overview
History and Background
Regional Management Corp. was founded in 1987. It provides small-loan products to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other traditional lenders.
Core Business Areas
- Consumer Loans: Provides a variety of small installment loans, primarily to individuals with limited access to traditional credit sources. These loans are often used for debt consolidation, vehicle repair, medical expenses, and other personal needs.
- Retail Sales Finance: Partners with retailers to offer financing options to their customers for the purchase of durable goods and other products.
- Insurance Products: Sells collateral protection insurance (CPI) on most loans, protecting the Company against losses on collateral related to borrower defaults
Leadership and Structure
Peter R. Knitzer is the Chief Executive Officer. The company has a traditional corporate structure with a board of directors overseeing the management team.
Top Products and Market Share
Key Offerings
- Small Installment Loans: Small installment loans targeted towards near-prime borrowers. Market share data is not readily available. Competitors include OneMain Financial, World Acceptance Corporation, and other regional and local lenders.
- Retail Sales Finance: Financing at the point of sale. Market share data is not publicly available. Competitors include other finance companies that partner with retailers.
- Insurance Products: Collateral protection insurance. Revenue and market share is not publicly available. Competitors include other insurance companies.
Market Dynamics
Industry Overview
The consumer finance industry is competitive and heavily regulated, with increasing demand for accessible credit among near-prime borrowers.
Positioning
Regional Management Corp positions itself as a provider of responsible credit solutions to near-prime borrowers. Its competitive advantages include its branch network and expertise in serving this market segment.
Total Addressable Market (TAM)
The TAM for near-prime consumer lending is estimated to be in the hundreds of billions of dollars. Regional Management Corp's market position allows them to compete for portions of this market by providing access to loans in communities that would otherwise not have the access.
Upturn SWOT Analysis
Strengths
- Established branch network
- Expertise in near-prime lending
- Relationship-based lending model
- Strong risk management practices
Weaknesses
- Higher cost of funds compared to traditional lenders
- Geographic concentration
- Reliance on in-person branch operations
- Vulnerable to economic downturns
Opportunities
- Expansion into new markets
- Increased demand for near-prime credit
- Technological advancements to improve efficiency
- Partnerships with retailers and other businesses
Threats
- Increased competition from online lenders
- Economic downturns and rising unemployment
- Changes in regulation and compliance requirements
- Reputational risk associated with high-interest lending
Competitors and Market Share
Key Competitors
- COF
- WRLD
Competitive Landscape
Regional Management Corp competes with other consumer finance companies, banks, credit unions, and online lenders. Its competitive advantages include its branch network and experience in near-prime lending. Disadvantages include its higher cost of funds and geographic concentration.
Major Acquisitions
First Heritage Credit
- Year: 2022
- Acquisition Price (USD millions): 480
- Strategic Rationale: Expanded Regional Management's branch network and customer base in the Southeast.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future growth projections depend on factors such as loan demand, economic conditions, and regulatory changes. Analyst estimates should be consulted for specific forecasts.
Recent Initiatives: Recent strategic initiatives include expanding into new markets, enhancing its online lending platform, and investing in technology to improve efficiency.
Summary
Regional Management Corp. is a regional consumer finance company focused on near-prime lending. Its strengths include an established branch network and expertise in its target market, while weaknesses involve higher funding costs and geographic concentration. Growth opportunities lie in market expansion and technological advancements. The company should monitor competition from online lenders and regulatory changes closely.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on available information. Financial data may be outdated.
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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