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Upturn AI SWOT - About
RM 
Regional Management Corp (RM)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $38.75
Year Target Price $38.75
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.52% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 290.97M USD | Price to earnings Ratio 8.94 | 1Y Target Price 38.75 |
Price to earnings Ratio 8.94 | 1Y Target Price 38.75 | ||
Volume (30-day avg) - | Beta 1.15 | 52 Weeks Range 25.14 - 36.81 | Updated Date 06/29/2025 |
52 Weeks Range 25.14 - 36.81 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.09% | Basic EPS (TTM) 3.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.72% | Operating Margin (TTM) 19.57% |
Management Effectiveness
Return on Assets (TTM) 4.11% | Return on Equity (TTM) 9.51% |
Valuation
Trailing PE 8.94 | Forward PE 6.52 | Enterprise Value 1799537792 | Price to Sales(TTM) 0.5 |
Enterprise Value 1799537792 | Price to Sales(TTM) 0.5 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 9920620 | Shares Floating 6931537 |
Shares Outstanding 9920620 | Shares Floating 6931537 | ||
Percent Insiders 8.95 | Percent Institutions 86.36 |
Analyst Ratings
Rating 3.67 | Target Price 38.75 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Regional Management Corp
Company Overview
History and Background
Regional Management Corp, founded in 1987, provides small-loan products to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other traditional lenders. It has grown organically and through acquisitions.
Core Business Areas
- Small-Loan Products: Provides unsecured and secured installment loans directly to consumers. These loans are typically used for debt consolidation, home improvement, vehicle purchases, or other personal needs.
- Insurance Products: Offers credit life, credit accident and health, and property insurance products to borrowers. These products are underwritten by third-party insurance companies.
Leadership and Structure
The company is led by a CEO and a senior management team overseeing finance, operations, and risk management. It operates with a regional structure, managing branches across multiple states.
Top Products and Market Share
Key Offerings
- Unsecured Installment Loans: Unsecured loans represent a significant portion of the company's portfolio. Competitors include World Acceptance Corp (WRLD) and OneMain Financial (OMF). Market share data is fragmented and not easily attributable to specific loan types.
- Secured Installment Loans: Secured loans, often backed by vehicles, provide a lower-risk option. Competitors are similar to unsecured loans. Market share data is fragmented and not easily attributable to specific loan types.
Market Dynamics
Industry Overview
The consumer finance industry is highly competitive and subject to regulatory scrutiny. Demand is driven by consumers with limited access to traditional credit.
Positioning
Regional Management Corp focuses on providing loans to underserved populations. Competitive advantages include established branch networks and local market knowledge.
Total Addressable Market (TAM)
The TAM for subprime lending in the US is estimated to be in the tens of billions of dollars. Regional Management Corp captures a small percentage, indicating potential for further growth.
Upturn SWOT Analysis
Strengths
- Established Branch Network
- Experienced Management Team
- Strong Credit Risk Management
- Focus on Underserved Markets
Weaknesses
- High Operating Costs
- Geographic Concentration
- Exposure to Regulatory Changes
- Reliance on Third-Party Funding
Opportunities
- Expansion into New Markets
- Development of New Loan Products
- Increased Use of Technology
- Partnerships with Other Financial Institutions
Threats
- Increased Competition
- Economic Downturn
- Changes in Regulations
- Increased Delinquency Rates
Competitors and Market Share
Key Competitors
- WRLD
- OMF
- CURO
Competitive Landscape
Regional Management Corp competes with other consumer finance companies, banks, and credit unions. It differentiates itself through its focus on underserved markets and its branch network.
Major Acquisitions
American General Finance
- Year: 2011
- Acquisition Price (USD millions): 135.9
- Strategic Rationale: Expanded the company's geographic footprint and customer base.
Growth Trajectory and Initiatives
Historical Growth: Regional Management Corp has historically grown through branch expansion and loan portfolio growth. Growth rates have varied depending on economic conditions.
Future Projections: Analyst estimates suggest continued growth in loan volume and revenue, but these estimates are subject to change.
Recent Initiatives: Recent initiatives have included investment in technology to improve efficiency and enhance customer experience.
Summary
Regional Management Corp is a specialized consumer finance company catering to an underserved market. Its branch network and experienced management provide advantages. However, high operating costs and regulatory risks require careful management. Future growth depends on effective market expansion and adaptation to the changing financial landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Financial data is based on available public information and may not be entirely accurate.
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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