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Upturn AI Summary - About
Regional Management Corp(RM)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RM
11/09/2026: RM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Regional Management Corp is a consumer finance company specializing in installment loans and retail financing for the near-prime and subprime market segments. Its core strength lies in a established branch network combined with refined underwriting expertise, which has historically allowed it to serve customers often overlooked by traditional banks. The investment story centers on the company’s ability to scale through digital innovation and geographic expansion while managing credit risks. However, investors must weigh these opportunities against significant risks, including economic cyclicality, intense fintech competition, and regulatory scrutiny. The stock may suit value-oriented and dividend-seeking investors, provided they monitor credit quality metrics closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through expansion, but it is constrained by the cyclical nature of the subprime lending market. |
| Momentum investor | Weak fit | The stock often lacks consistent, sustained upward momentum, making it less attractive for pure momentum plays without a specific positive breakout signal. |
| Value investor | Strong fit | The company often trades at multiples that value investors may find attractive relative to its earnings potential, assuming credit risks are priced in. |
| Dividend investor | Strong fit while signal remains positive | The company provides a consistent dividend yield, making it suitable for income-focused portfolios if credit quality remains stable. |
| Low-risk investor | Weak fit | The inherent sensitivity to credit defaults and economic cycles makes this stock too volatile for a low-risk, capital-preservation strategy. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is sensitive to interest rate expectations and broader economic news affecting the consumer finance sector. |
| Valuation risk | Medium | While often priced reasonably, changes in credit loss expectations can lead to rapid adjustments in valuation multiples. |
| Competition risk (Fintech and bank lending) | High | Increasing competition from digital-first lenders pressures margins and loan growth. |
| Business quality | Medium | The business model is functional and proven but operates in a high-risk sector with limited moats. |
| Dividend income | Medium | Dividends are dependent on stable cash flows, which can be interrupted by high credit losses. |
| Execution risk | Medium | Success depends on the company's ability to accurately price risk for a subprime demographic over multiple economic cycles. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -32.58% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 324.34M USD | Price to earnings Ratio 7.35 | 1Y Target Price 44.33 |
Price to earnings Ratio 7.35 | 1Y Target Price 44.33 | ||
Volume (30-day avg) 100.9K shares | Beta 1.08 | 52 Weeks Range 29.89 - 43.91 | Updated Date 11/08/2026 |
52 Weeks Range 29.89 - 43.91 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 3.19% | Basic EPS (TTM) 4.93 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Installment Lending | Interest and fees generated from personal and small loans to consumers. | The primary way the company generates revenue is by lending money and charging interest to consumers. |
| Retail Sales Financing | Financing provided at the point of sale for consumer goods. | Revenue is generated by partnering with retailers to finance purchases for their customers. |
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate 1.5 | Actual 1.61 |
Profitability
Profit Margin 7.27% | Operating Margin (TTM) 26.42% |
Management Effectiveness
Return on Assets (TTM) 4.55% | Return on Equity (TTM) 12.63% |
Valuation
Trailing PE 7.35 | Forward PE 6.52 | Enterprise Value 2.11B | Price to Sales(TTM) 0.5 |
Enterprise Value 2.11B | Price to Sales(TTM) 0.5 | ||
Enterprise Value to Revenue 3.58 | Enterprise Value to EBITDA - | Shares Outstanding 8.95M | Shares Floating 6.46M |
Shares Outstanding 8.95M | Shares Floating 6.46M | ||
Percent Insiders 10.39 | Percent Institutions 90.94 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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