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RM 
Regional Management Corp (RM)
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Upturn Advisory Summary
01/08/2026: 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 $46.33
1 Year Target Price $46.33
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.18% | Avg. Invested days 34 | 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 01/08/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 382.16M USD | Price to earnings Ratio 9.44 | 1Y Target Price 46.33 |
Price to earnings Ratio 9.44 | 1Y Target Price 46.33 | ||
Volume (30-day avg) 6 | Beta 1.06 | 52 Weeks Range 24.74 - 45.63 | Updated Date 01/8/2026 |
52 Weeks Range 24.74 - 45.63 | Updated Date 01/8/2026 | ||
Dividends yield (FY) 3.14% | Basic EPS (TTM) 4.13 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.79% | Operating Margin (TTM) 25.58% |
Management Effectiveness
Return on Assets (TTM) 4.43% | Return on Equity (TTM) 11.43% |
Valuation
Trailing PE 9.44 | Forward PE 6.52 | Enterprise Value 1992092416 | Price to Sales(TTM) 0.63 |
Enterprise Value 1992092416 | Price to Sales(TTM) 0.63 | ||
Enterprise Value to Revenue 3.64 | Enterprise Value to EBITDA - | Shares Outstanding 9712805 | Shares Floating 6934943 |
Shares Outstanding 9712805 | Shares Floating 6934943 | ||
Percent Insiders 8.79 | Percent Institutions 83.05 |
Upturn AI SWOT
Regional Management Corp
Company Overview
History and Background
Regional Management Corp. (NYSE: RM) was founded in 1987 and is a diversified financial services company that operates as a holding company for its subsidiary, Regional Acceptance Corporation. The company has grown significantly over the years, expanding its branch network and loan portfolio to serve a broad customer base. A key milestone was its initial public offering (IPO) in 2003, which provided capital for further expansion. The company has focused on a community-based approach to lending, tailoring its services to meet the specific needs of its customers in the regions it serves.
Core Business Areas
- Consumer Loan Origination and Servicing: Regional Management Corp. originates and services a variety of installment loans for individuals and families who may not have access to traditional credit sources. These loans are typically used for personal expenses, vehicle purchases, home improvements, and other essential needs.
- Loan Portfolio Management: The company actively manages its loan portfolio, focusing on risk assessment, underwriting, and collections to ensure the long-term health and profitability of its lending operations.
Leadership and Structure
Regional Management Corp. is led by a seasoned management team, including a Chief Executive Officer, Chief Financial Officer, and other executive officers responsible for various operational and strategic functions. The company operates through a network of branches across several states, with a centralized corporate headquarters overseeing operations, risk management, and financial strategy. Its organizational structure is designed to support its community-based lending model, with local branch managers playing a crucial role in customer relationships and loan origination.
Top Products and Market Share
Key Offerings
- Small Installment Loans: These are unsecured or secured personal loans ranging in amount, typically with fixed monthly payments and terms. The company aims to provide accessible credit to individuals with limited credit history or those seeking alternatives to subprime lenders. Competitors include other small loan lenders, buy-here-pay-here dealerships, and online lenders.
- Vehicle Loans: Regional Management Corp. offers loans for the purchase of vehicles, including cars, trucks, and vans. This segment often targets individuals who may have difficulty securing auto financing through traditional banks or credit unions. Competitors include auto finance companies, credit unions, and direct lenders.
- Home Improvement Loans: These loans are designed to help customers finance renovations, repairs, or upgrades to their homes. Competitors include home equity lines of credit (HELOCs) from banks, personal loans, and specialized home improvement lenders.
Market Dynamics
Industry Overview
Regional Management Corp. operates in the non-prime consumer lending market, a segment of the financial services industry that serves individuals with lower credit scores or limited credit histories. This market is characterized by higher interest rates due to increased risk, but also by significant demand from a large population segment. The industry is influenced by economic conditions, regulatory changes, and technological advancements in lending and servicing.
Positioning
Regional Management Corp. is positioned as a community-focused lender providing accessible credit to a demographic that may be underserved by traditional financial institutions. Its competitive advantages include its established branch network, personalized customer service, and a deep understanding of the local markets it serves. The company emphasizes responsible lending practices and aims to build long-term relationships with its borrowers.
Total Addressable Market (TAM)
The TAM for non-prime consumer lending is substantial, encompassing millions of households in the US that require access to credit for essential needs and purchases. Regional Management Corp. is positioned to capture a portion of this market by focusing on specific geographic regions and customer segments where it has a strong presence and established reputation. While the overall TAM is vast, the company's effective market share is concentrated within its operational footprint and target customer profiles.
Upturn SWOT Analysis
Strengths
- Established branch network with local market presence.
- Long-standing relationships with customers and communities.
- Experienced management team with expertise in non-prime lending.
- Diversified loan portfolio across various personal needs.
- Strong underwriting and risk management processes.
Weaknesses
- Reliance on a specific customer segment (non-prime borrowers).
- Sensitivity to economic downturns impacting borrower repayment ability.
- Potential for higher delinquency and default rates compared to prime lenders.
- Limited geographic diversification beyond its current operating states.
Opportunities
- Expansion into new geographic markets.
- Leveraging technology to enhance customer experience and operational efficiency.
- Developing new loan products tailored to evolving customer needs.
- Partnerships with businesses to offer financing solutions.
- Increased demand for credit from underserved populations.
Threats
- Increased regulatory scrutiny and compliance costs.
- Intensifying competition from online lenders and fintech companies.
- Rising interest rates impacting borrowing costs for customers.
- Economic recessions leading to higher unemployment and loan defaults.
- Changes in consumer credit behavior and preferences.
Competitors and Market Share
Key Competitors
- Santander Consumer USA Holdings Inc. (SC - US Stock Symbol)
- Ally Financial Inc. (ALLY - US Stock Symbol)
- OneMain Holdings, Inc. (OMF - US Stock Symbol)
Competitive Landscape
Regional Management Corp. holds a significant position within its niche of community-based, non-prime lending. Its key advantage lies in its personalized service and local market understanding, which can be more appealing to certain customer segments than large, impersonal online lenders. However, it faces stiff competition from larger, more diversified financial institutions and agile fintech companies that can offer lower rates or more streamlined digital processes.
Growth Trajectory and Initiatives
Historical Growth: Regional Management Corp. has demonstrated historical growth in its loan portfolio and revenue, driven by its expansion strategy and the consistent demand for its lending services. Growth can be measured by the increase in outstanding loans, number of branches, and customer acquisition over time.
Future Projections: Future growth projections for Regional Management Corp. would typically be based on analyst estimates, taking into account market trends, the company's strategic initiatives, and anticipated economic conditions. These projections might focus on the expected growth in loan origination, profitability, and expansion into new markets.
Recent Initiatives: Recent initiatives might include technology investments to improve digital lending capabilities, efforts to enhance operational efficiency, expansion into new states, or the introduction of new loan products to cater to evolving customer needs.
Summary
Regional Management Corp. is a well-established player in the non-prime lending sector, leveraging its community-focused approach and extensive branch network. The company's strengths lie in its customer relationships and experienced management. However, it faces inherent risks associated with its borrower base and the competitive landscape. Continued investment in technology and strategic expansion will be crucial for sustained growth and to mitigate threats from larger competitors and evolving market dynamics.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (e.g., 10-K, 10-Q)
- Financial News and Data Providers
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered investment advice. Market share data and competitor information are estimates and may vary. Financial performance and future projections are subject to market fluctuations and unforeseen events.
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. Lakhbir Lamba | ||
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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