Regional Management Corp. · Personal Credit Institutions

RM

Low riskNext report: Around Nov 4 (est.)

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The short version

A profitable company with steady sales.

Going well

Pays a 3.7% dividend yield
Profitable every year for 10 years
Brings in more cash than it spends

Watch out for

High debt: 4.4x equity

Money moves

Insiders sold $7K in the last 30 days, all through pre-planned sales
Institutions added 1.3% to their holdings in the quarter ending June 2026 (72 bought, 40 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$32.57-0.8% that day

Company value: $300M; Share price times all shares
Price vs profit (P/E): 6.9x; You pay about $7 for each $1 of yearly profit
Price vs sales: 0.45x; Company value is 0.45 times a year of sales
Dividend yield: 3.7%; Yearly dividend as a share of today's price
Cash vs value: 39%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 547%; Owes more than the whole company is worth

From RM's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$168.0M+6.7% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $670.5M, up 9.6% from the 12 months before. Over 5 years, sales grew about 12% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of RM. Starting points are the company's recent numbers.

Sales growth+10% a yearRecently: +9.6% a yearProfit margin7%Last 12 months: 7.0%P/E at the end8xToday: 6.9x. Many steady companies trade at 12x to 25xShare count change+1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$1.1B

Profit in 5 years$76M

Price these guesses point to$62.36+91% vs $32.57 todayAbout +14% a year, before dividends

What today's price needs: with a 7% margin and a 8x P/E, sales could shrink about 3.4% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/6Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.12.2%
MissDebt under half of equityNot relying on borrowed money.4.40x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.6.9%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$304.3M
MissShare count not growingNot diluting owners. Falling means buybacks.+3.4% in 3 years

Revenue: $645.6M; +9.7% vs prior year
5-year growth: +11.5%/yr; revenue, per year
Total debt: $1.6B; 4.40x equity
Free cash flow: $304.3M; 47.1% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.