US · RM
Regional Management Corp.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Greer, SC 29651
- Website
- regionalmanagement.com
Price · as of 2025-12-31
$34.94
Market cap 309.06M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $234.58 | +571.38% |
| Intrinsic Value(DCF) | $12.94 | -62.97% |
| Graham-Dodd Method(GD) | $59.94 | +71.54% |
| Graham Formula(GF) | $77.43 | +121.62% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $18.18 | $64.45 | |||
| 2012 | $15.61 | $38.42 | $364.70 | $21.60 | $75.51 |
| 2013 | $25.11 | $47.27 | $321.95 | $24.21 | $75.14 |
| 2014 | $12.85 | $40.97 | $262.99 | $19.81 | $31.77 |
| 2015 | $13.31 | $42.79 | $59.34 | $25.01 | $25.57 |
| 2016 | $16.37 | $59.11 | $26.78 | $27.65 | $37.13 |
| 2017 | $26.69 | $73.14 | $34.27 | $33.63 | $53.84 |
| 2018 | $22.03 | $49.65 | $71.37 | $39.05 | $61.21 |
| 2019 | $20.81 | $64.67 | $139.65 | $46.11 | $91.95 |
| 2020 | $31.00 | $73.20 | $24.74 | $34.02 | $32.05 |
| 2021 | $37.91 | $127.59 | $158.89 | $58.04 | $195.30 |
| 2022 | $24.59 | $157.84 | $193.97 | $42.43 | $141.78 |
| 2023 | $22.03 | $147.06 | $97.38 | $23.81 | $28.10 |
| 2024 | $30.58 | $161.52 | $52.70 | $39.53 | $62.59 |
| 2025 | $32.35 | $234.58 | $0.00 | $59.94 | $77.43 |
AI valuation
Our deep-learning model estimates Regional Management Corp.'s (RM) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $234.58
- Current price
- $34.94
- AI upside
- +571.38%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$12.94
-62.97% upside
Graham-Dodd
$59.94
+71.54% upside
Graham Formula
$77.43
+121.62% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| RM | Regional Management Corp. | $34.94 | 309.06M | +571% | -63% | +72% | +122% | 7.23 | 0.86 | 0.50 | 21.26 | 96.60 | 0.94 | 52.35% | 12.45% | 6.88% | 12.16% | 3.19% | 2.17% | 4.65 | 0.95 | 8.33 | 8.33 | 17.77 | 749.00% | 970.00% | 1532.00% | 94.73% | 1.31 | 15.71% | 0.00% | 0.00% | 0.00% | 24.36 | 6.43 | 3.03 | 1.74 |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BSRR | Sierra Bancorp | $35.98 | 485.1M | +97% | -16% | +13% | +18% | 11.52 | 1.34 | 2.41 | -0.80 | 112.06 | 1.45 | 73.86% | 27.92% | 20.96% | 11.72% | -28.91% | 1.14% | 1.42 | 1.21 | 0.57 | 0.57 | 6.80 | 1028.00% | 567.00% | -3981.00% | 6.91% | 0.02 | -23.00% | 0.00% | 0.00% | 0.00% | -0.80 | -1.33 | -0.22 | -0.07 |
| BSVN | Bank7 Corp. | $40.68 | 384.56M | +32% | +297% | -17% | +105% | 8.02 | 1.72 | 2.57 | 1.52 | 13.66 | 1.80 | 68.24% | 42.27% | 32.00% | 23.83% | -40.08% | 2.60% | 0.00 | 1.33 | 0.18 | 0.18 | -3.92 | 5869.00% | 918.00% | 985.00% | 13.88% | 0.04 | -44.60% | 2.20% | 17.60% | 13.90% | 1.54 | 1.83 | 0.65 | -0.42 |
| CARE | Carter Bankshares, Inc. | $20.84 | 460.29M | +154% | -24% | +23% | -6% | 14.99 | 1.12 | 1.85 | 16.22 | 46.75 | 1.13 | 61.68% | 15.71% | 12.32% | 7.80% | 23.55% | 0.66% | 0.43 | 0.39 | 0.05 | 0.00 | 4.46 | 3208.00% | 624.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 16.22 | — | 2.55 | -0.22 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| GCBC | Greene County Bancorp, In… | $22.07 | 375.78M | +130% | +15% | -13% | +70% | 12.63 | 1.65 | 2.96 | 0.48 | 48.19 | 1.65 | 55.69% | 26.08% | 23.42% | 14.00% | -22.60% | 1.06% | 0.54 | 0.60 | 0.19 | 0.19 | -1.58 | 2621.00% | 1307.00% | 1660.00% | 6.94% | 0.01 | -19.81% | 1.14% | 14.40% | 16.99% | 0.49 | 0.62 | 0.13 | -0.59 |
| RWAY | Runway Growth Finance Cor… | $7.75 | 280.04M | +373% | -38% | — | +833% | 5.21 | 0.75 | 3.09 | 12.64 | 7.10 | 0.75 | 69.15% | 59.26% | 59.26% | 13.86% | 6.96% | 6.78% | 1.07 | 1.66 | 1.79 | 1.79 | 7.43 | 7339.00% | 3142.00% | -5509.00% | 13.15% | 6.52 | 4.77% | 18.20% | 94.90% | 27.57% | 12.64 | 18.43 | 7.49 | 0.69 |
About Regional Management Corp.
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 installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally managed direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of February 24, 2022, the company operated through a network of approximately 350 branches in 14 states. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
- CEO
- Lakhbir Lamba
- Employees
- 2.13K
- Beta
- 1.04
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($12.94 ÷ $34.94) − 1 = -62.97% (DCF, example).