RM Share Price Performance
US$31.41
-0.38 (-1.20%)
37.2% undervalued intrinsic discount
US$50.00
Fair Value
Price US$31.41
AnalystConsensusTarget US$50.00
AnalystLowTarget US$39.00
AnalystHighTarget US$45.00
Fair ValueUS$50.00
Share Pricen/a
Regional Management Corp. Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 9 Fair Values set on narratives written by author
RM Community Narratives
AN
Fair Value US$50 37.2% undervalued intrinsic discount
Digital Channels And Machine Learning Will Drive Profit Despite Margin Pressure
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AN
Fair Value US$39 19.5% undervalued intrinsic discount
Concentrated Markets And Fintech Will Threaten Valuation But Allow Recovery
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AN
Fair Value US$45 30.2% undervalued intrinsic discount
Digital Adoption And Branch Openings Will Unlock Nonprime Credit Demand
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Digital Channels And Machine Learning Will Drive Profit Despite Margin Pressure
Key Takeaways Expansion into high-growth regions and new branches, combined with a strategic shift toward auto secured and larger loans, supports revenue and earnings growth. Technology adoption in underwriting, marketing, and efficiency initiatives drives improved credit performance, lowers costs, and enhances operating margins.Read more
29
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AN
US$50
37.2% undervalued intrinsic discount
Fair Value
Revenue
10.4% p.a.
Profit Margin
8.4%
Future PE
7.03x
Price in 2029
US$62.12
Concentrated Markets And Fintech Will Threaten Valuation But Allow Recovery
Key Takeaways Heavy reliance on specific regions and economically sensitive customer bases exposes the company to local shocks and greater risk during economic downturns. Rising fintech competition and shifting consumer preferences threaten the traditional branch model, pressuring customer growth, profitability, and long-term revenue prospects.Read more
8
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AN
US$39
19.5% undervalued intrinsic discount
Fair Value
Revenue
10.54% p.a.
Profit Margin
10.66%
Future PE
5.69x
Price in 2029
US$54.83
Digital Adoption And Branch Openings Will Unlock Nonprime Credit Demand
Key Takeaways Rapid digital transformation and efficient geographic expansion position Regional Management for sustained revenue and earnings growth, outpacing traditional competitors. Improved credit loss performance and disciplined underwriting are boosting margins, enabling robust shareholder returns and long-term operational efficiencies.Read more
8
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AN
US$45
30.2% undervalued intrinsic discount
Fair Value
Revenue
12.51% p.a.
Profit Margin
15.81%
Future PE
4.33x
Price in 2028
US$60.87
Trending Discussion
Recently Updated Narratives
AN
RM: Bank Partnership And Buybacks Will Support Future Upside At Undervalued P/E
Fair Value: US$50 37.2% undervalued intrinsic discount
1 followerusers have followed this narrative
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AN
RM: Buybacks And New Leadership Will Guide A Balanced Risk Outlook
Fair Value: US$39 19.5% undervalued intrinsic discount
0 followersusers have followed this narrative
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Digital Adoption And Branch Openings Will Unlock Nonprime Credit Demand
Fair Value: US$45 30.2% undervalued intrinsic discount
1 followerusers have followed this narrative
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Snowflake Analysis
Regional Management Corp. Key Details
About RM
- Founded
- 1987
- Employees
- 2112
- CEO
- WebsiteView website
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, accidental 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.
