Reading RM? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track RM free→Reading RM? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track RM free→NYSEFinancialsCredit ServicesSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is neutral, while earnings quality is robust, cash backs up reported profits. Management's recent track record has been unsteady, with frequent disruptive corporate changes. Risk is elevated, and the sector backdrop is a headwind, which may impact performance compared to sector peers that are above typical. Peer multiples imply a price about 48% above where it trades (it looks cheap on this basis); the read is cheap, quality intact. This analysis is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 7 valuation methods, at three horizons. Current price $36.81. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $37 RM trades at 7× p/e, below its 11× p/e peer median. Our $64 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 42% below a flat-multiple fair value, below our forecast of about 10%. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 6.69x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $1.24 → $0.79 (-36.2% / 30d). 0 raised, 4 cut, 4 covering analysts.
1 upgrade, 0 downgrades / 30d, 0 maintained. 75% of analysts rate Buy.
0 positive, 0 negative / 30d.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$142.
How much price usually moves either way.
On a bad day, this stock has moved -$343.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $3,106.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would affect how investors view Regional Management Corp.
Confirms:Revenue growth falls below the median of 15% year over year.
Disproves:Revenue growth remains at or above the median of 15% year over year.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for RM yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Approval of LTIP Awards to NEOs On May 13, 2026 (the “ Grant Date ”), following consultation with its independent compensation consultant, the Human Resources and Compensation Committee (the “ Committee ”) of the Board of Directors (the “ Board ”) of Regional Management Corp. (the “ Company ”) approved certain compensation arrangements with respect…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks cheaper than most peers in the same business.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Consumer Finance.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
RM Regional Management Corp. | Above typical Show detailsSector percentile: 78 of 100 | inexpensive | elevated |
AXP American Express | Typical Show detailsSector percentile: 56 of 100 | expensive | moderate |
COF Capital One | Typical Show detailsSector percentile: 33 of 100 | full | elevated |
SYF Synchrony Financial | Above typical Show detailsSector percentile: 72 of 100 | fair | moderate |
AFRM Affirm Holdings Inc | Below typical Show detailsSector percentile: 3 of 100 | expensive | high |
19 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
Not investment advice. As of 2026-06-15.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to provide a quarterly cash dividend of $0.30 per share to shareholders.
Stated in 4 of last 4 quarters. The company has consistently maintained a quarterly dividend of $0.30 per share, as evidenced by the financials and material events. This reflects a stable capital allocation strategy, with no change in the dividend amount over the period.
“The Board declared a quarterly cash dividend of $0.30 per share, payable on June 10, 2026.”
“The Board declared a quarterly cash dividend of $0.30 per share, payable on March 12, 2026.”
“The Board declared a quarterly cash dividend of $0.30 per share.”
“The Board declared a quarterly cash dividend of $0.30 per share.”
Focus on achieving sustainable and profitable growth to increase shareholder returns.
Stated in 2 of last 2 quarters. Net income was $11.4M in 2026-Q1, with revenue at $167.29M. The company has shown a commitment to sustainable growth, though net income decreased from $12.9M in 2025-Q4, indicating limited progress in profitability.
Establish and offer new installment lending products in select states through a partnership with Column National Association.
Newly stated in 2026-Q1. The company entered into a Program Management Agreement with Column National Association to expand its lending program. This strategic initiative aims to enhance growth through new installment lending products, but financial impact is yet to be seen.
“Entered into a Program Management Agreement to create a new lending program with Column National Association.”
Why it matters: More unemployment claims may show the economy is weak. This could hurt Regional Management Corp.'s loans.
Confirms:Unemployment claims are much higher than last week's numbers.
Disproves:Unemployment claims decrease or stay stable compared to the previous week.
Why it matters: Retail sales data can affect how much credit people want. This impacts Regional Management Corp.'s business.
Confirms one read:The retail sales report shows a big increase from last month.
Confirms the other:Retail sales report shows a significant decrease from the previous month.
Entry into a Material Definitive Agreement. First Amendment to Senior Revolving Credit Facility On April 28, 2026, Regional Management Corp. (the “ Company ”) and certain of its subsidiaries entered into the First Amendment to the Loan and Security Agreement (the “ First Amendment ”), by and among the Company and its subsidiaries named as borrowers therein (collectively with the Company, the “ Revolving Borrowers ”), the financial institutions named as lenders therein (the “ Revolving Lenders…
Results of Operations and Financial Condition. On April 29, 2026, Regional Management Corp. (the “ Company ”) issued a press release announcing financial results for the three months ended March 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. On April 29, 2026, the Company will host a conference call to discuss financial results for the three months ended March 31, 2026. A copy of the presentation to be used during the conferen…
Other Events. On April 29, 2026, the Company also announced that its Board of Directors has declared a quarterly cash dividend of $0.30 per share of outstanding common stock, payable on June 10, 2026 to stockholders of record as of the close of business on May 20, 2026.
Entry into a Material Definitive Agreement. On March 2, 2026, Regional Management Corp. (the “ Company ”) and Column National Association, a national banking association (“ Column ”), entered into a Program Management Agreement (the “ PMA ”) to create a new lending program under which Column will serve as the lender of secured and unsecured installment lending products in select states. Under the PMA and ancillary agreements, the parties have agreed to establish and offer the installment lend…
“We are confident in our outlook for 2026 and our ability to deliver sustainable, profitable growth.”
“For the full year, we generated net income of $44.4 million, while growing our total portfolio by 13% year-over-year.”