Regional Management stock
RMNYSERegional Management Corp., Financial ServicesISIN US75902K1060
71Score 71 out of 100, Strong
Price and trend
59 / 100
Price history
−12% in one yearThe chart shows daily closes over 15 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 1.5% below it.
Since September 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 57).
The price is 20% below its 52-week high. Largest decline in 15 years: 72% (June 2018 to April 2020).
Chart figures for advanced users
- SMA 50$33.52
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$35.28
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)57
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$30.23
- The lowest closing price of the last twelve months.
- Resistance$43.50
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Regional Management Corp. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $310.83M, is number 59 of 59 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $560.76M (up 9.1% year on year) and earnings of $44.41M (up 7.7%).
- MEQIRI Score 71 out of 100 (Strong): rank 379 of 975 in Financial Services, median 68.
Show more
- The P/E is 6.8 (Financial (Credit Services) median 11.8, own median of recent years 8.2).
- Our model puts fair value at $59.05, with the price 41% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Below fair valuePrice 41% below the fair value of $59.05.Valuation 94
- Modestly valuedP/E 6.8, Financial (Credit Services) median 11.8, own median 8.2.Valuation 94
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 84
Weaknesses
- Volatile share priceVolatility 46% a year over the last 12 months.
Its standout strengths are valuation and fundamentals.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 72 to 71.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $42.18 and expensive above $98.41 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $57.93 (excess return model) and $60.17 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 9.5%. At 10.5% the fair value would be $54.71, at 8.5% it would be $65.24.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 7.7% on the twelve months before. Revenue has grown strongly since 2009, at around 15% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 14%, net 8%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 10 Feb 2027in 89 days
- Last reported
- 28 Oct 2026EPS reported $1.61 (expected $1.47)above expectations
Analyst estimates
- Earnings per share
- $5.04+2.0%
- Revenue
- $699.08M+1.4%
- Earnings per share
- $6.61+5.8%
- Revenue
- $746.8M+1.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook lowered
Share price after the results: +10.2%Regional Management confirms its full year targets (net income growth 6 to 9 percent, EPS growth 10 to 13 percent, portfolio growth 5 to 7 percent), but now expects fourth quarter net income to be lower than the third quarter, reversing its July view that it would be higher. The company cites …
“We continue to expect full year net income growth of 6% to 9%, diluted earnings per share growth of 10% to 13%, and portfolio growth of 5% to 7%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 28 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $316,495 in total. 5 insiders sold, $2.95M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Basswood Capital Management, L.l.c.Purchase
11 Nov 2026, Board
- Shares
- 10,421
- Price
- $34.46
- Value
- $359,108
- Basswood Capital Management, L.l.c.Sale
11 Nov 2026, Board
- Shares
- 11,918
- Price
- $34.38
- Value
- $409,741
- Basswood Capital Management, L.l.c.Sale
9 Nov 2026, Board
- Shares
- 1,428
- Price
- $36.32
- Value
- $51,865
Show 16 more
- Johnson Sandra K.Sale
5 Nov 2026, Board
- Shares
- 2,700
- Price
- $38.57
- Value
- $104,144
- Basswood Capital Management, L.l.c.Sale
5 Nov 2026, Board
- Shares
- 77
- Price
- $40.01
- Value
- $3,081
- Basswood Capital Management, L.l.c.Sale
4 Nov 2026, Board
- Shares
- 24,754
- Price
- $39.80
- Value
- $985,209
- Basswood Capital Management, L.l.c.Sale
3 Nov 2026, Board
- Shares
- 10,719
- Price
- $39.00
- Value
- $418,041
- Atwood Catherine RSale
29 Oct 2026, SVP and General Counsel
- Shares
- 2,600
- Price
- $37.39
- Value
- $97,221
- Atwood Catherine RSale
19 Oct 2026, SVP and General Counsel
- Shares
- 200
- Price
- $35.01
- Value
- $7,002
- Forager Fund, L.P.Sale
17 Sept 2026, Major holder
- Shares
- 10,401
- Price
- $32.22
- Value
- $335,120
- Forager Fund, L.P.Sale
16 Sept 2026, Major holder
- Shares
- 9,064
- Price
- $32.19
- Value
- $291,770
- Forager Fund, L.P.Sale
15 Sept 2026, Major holder
- Shares
- 9,857
- Price
- $32.26
- Value
- $317,987
- Basswood Capital Management, L.l.c.Sale
1 Sept 2026, Board
- Shares
- 1,159
- Price
- $31.65
- Value
- $36,682
- Atwood Catherine RSale
24 Aug 2026, SVP and General Counsel
- Shares
- 200
- Price
- $35.00
- Value
- $7,000
- Lamba Lakhbir S.Purchase
12 Aug 2026, President and CEO
- Shares
- 3,500
- Price
- $31.76
- Value
- $111,160
- Lamba Lakhbir S.Purchase
11 Aug 2026, President and CEO
- Shares
- 6,500
- Price
- $31.59
- Value
- $205,335
- Barnette Steven BSale
10 Jul 2026, VP, Chief Accounting Officer
- Shares
- 3,274
- Price
- $43.30
- Value
- $141,764
- Barnette Steven BSale
1 Jul 2026, VP, Chief Accounting Officer
- Shares
- 1,600
- Price
- $42.04
- Value
- $67,264
- Johnson Sandra K.Sale
26 May 2026, Board
- Shares
- 1,000
- Price
- $36.00
- Value
- $36,000
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Regional Management
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 71
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger companies by market value
- World AcceptanceWRLD $604.61M56
- Oportun FinancialOPRT $599.58M54
- NavientNAVI $575.83M36
- GrenkeGLJ.DE $560.03M48
- OppFiOPFI $500.75M73
- LendingTreeTREE $495.74M59
- PRA GroupPRAA $447.43M58
- AxactorACR.OL $361.74M31
ETFs that hold Regional Management
Held by 6 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.02% | 0.29% | €182.46M |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.02% | 0.35% | €204.34M |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.49B |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.28B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.22B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 30 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.