Regional Management Future Growth
Future criteria checks 1/6
Regional Management is forecast to grow earnings and revenue by 15.4% and 10.6% per annum respectively. EPS is expected to grow by 16.3% per annum. Return on equity is forecast to be 16.9% in 3 years.
Key information
15.4%
Earnings growth rate
16.33%
EPS growth rate
| Consumer Finance earnings growth | 19.2% |
| Revenue growth rate | 10.6% |
| Future return on equity | 16.85% |
| Analyst coverage | Low |
| Last updated | 28 May 2026 |
Recent future growth updates
Recent updates
Narrative Update • May 28
RM: Bank Partnership Will Drive Future Upside At Undervalued P/E
Analysts have trimmed their price target on Regional Management from $49.50 to $48.00. This change reflects updated assumptions for discount rate, revenue growth, profit margin, and future P/E that slightly reshape their outlook on the stock.Narrative Update • May 03
RM: Bank Partnership And Aggressive Buybacks Will Support Future Upside At Undervalued P/E
Analysts have lifted their price target on Regional Management from $47.00 to $49.50, citing updated assumptions in their models for slightly higher revenue growth, stronger profit margins, and a lower future P/E multiple. What's in the News Regional Management entered a new lending partnership with Column N.A., a nationally chartered bank that will act as a bank partner for the company's secured and unsecured installment lending products in select states, with the partnership launching this week.Narrative Update • Apr 19
RM: Bank Partnership And Buybacks Will Support Future Upside At Undervalued P/E
Analysts are keeping their $47.00 price target on Regional Management unchanged, citing only minor adjustments in revenue growth, profit margin, and future P/E assumptions that leave their overall valuation view steady. What's in the News Regional Management entered a new lending partnership with Column N.A., a nationally chartered bank that supports developers and builders creating financial products.Narrative Update • Apr 05
RM: Bank Partnership Will Support Future Upside At Undervalued P/E
Analysts have trimmed their price target on Regional Management by $3 to $47, reflecting slightly lower fair value assumptions along with small adjustments to revenue growth, profit margin, and future P/E expectations. What's in the News Regional Management Corp.Narrative Update • Mar 22
RM: Bank Partnership And Buybacks Will Support Future Upside At Undervalued P/E
Analysts have kept their $50.00 price target for Regional Management unchanged, reflecting steady assumptions around the discount rate, revenue growth, profit margin, and future P/E that together support a consistent view of the stock's valuation profile. What's in the News Regional Management entered a new lending partnership with Column N.A., a nationally chartered bank that will act as a bank partner for the company’s secured and unsecured installment lending products in select states, supporting entry into new markets and a broader product lineup over time (Key Developments).Narrative Update • Mar 07
RM: Bank Partnership And Buybacks Will Support Future Upside At Undervalued P/E
Analysts have adjusted their price target on Regional Management to $50.00, reflecting updated assumptions for revenue growth, profit margin, and a lower future P/E multiple while keeping the fair value estimate and discount rate unchanged. What's in the News Regional Management entered a new lending partnership with Column N.A., a nationally chartered bank focused on supporting developers and builders that create financial products.Narrative Update • Feb 20
RM: Share Repurchases Will Support Future Upside At Undervalued P/E
Narrative Update on Regional Management Analysts have kept their average price target for Regional Management steady at $50.00, with the updated assumptions reflecting slightly higher revenue expectations, a modestly lower projected profit margin, and an unchanged forward P/E estimate. What's in the News Regional Management reported repurchasing 196,999 shares between October 1, 2025 and December 31, 2025 for US$7.5 million, representing 2.01% of its shares.Analysis Article • Feb 08
Regional Management (NYSE:RM) Is Due To Pay A Dividend Of $0.30
Regional Management Corp. ( NYSE:RM ) will pay a dividend of $0.30 on the 12th of March. The dividend yield will be...Narrative Update • Feb 06
RM: Higher Future P/E Assumptions Will Drive Share Upside
Analysts have raised their price target on Regional Management to US$50.00 from US$46.33, reflecting updated assumptions around revenue growth, profit margins, and a higher future P/E multiple. Valuation Changes Fair Value: updated from US$46.33 to US$50.00, a modest upward adjustment to the target level.
Narrative Update • Jan 22
RM: Buybacks And New Leadership Will Guide A Balanced Risk Outlook
Analysts are maintaining their fair value estimate for Regional Management at US$39.00. Only minor model adjustments to revenue growth, profit margin and future P/E assumptions were made, which did not warrant a change to the overall price target.Narrative Update • Jan 08
RM: Buybacks And Leadership Transition Will Shape A Measured Risk Profile
Analysts have lifted their fair value estimate for Regional Management from $35.00 to $39.00, citing updated assumptions around discount rates, revenue growth, profit margins, and a higher future P/E multiple. What's in the News From July 1, 2025 to October 31, 2025, Regional Management repurchased 564,465 shares for $21.5 million, bringing total buybacks under the December 2, 2024 authorization to 1,020,689 shares for $36.5 million.Narrative Update • Dec 24
RM: Expanded Buybacks Will Drive Future Upside For Shares
Narrative Update on Regional Management Price Target Analysts have maintained their price target for Regional Management at $46.33, reflecting unchanged assumptions around revenue growth, profit margins, and valuation multiples that continue to support a stable outlook for the shares. What's in the News Regional Management completed the repurchase of 1,020,689 shares, approximately 10.2 percent of its outstanding shares, for $36.5 million under the buyback announced on December 2, 2024 (company disclosure).Analysis Article • Dec 15
Investors Holding Back On Regional Management Corp. (NYSE:RM)
With a price-to-earnings (or "P/E") ratio of 9.4x Regional Management Corp. ( NYSE:RM ) may be sending very bullish...Narrative Update • Dec 10
RM: Aggressive Share Repurchases Will Drive Future Upside Potential
Narrative Update on Regional Management Analysts have modestly increased their price target on Regional Management to approximately $46.33 per share. This reflects stable assumptions for discount rate, revenue growth, profit margin, and future earnings multiples that continue to support a largely unchanged fair value outlook.Narrative Update • Nov 26
RM: Share Repurchases And New Market Entry Will Support Long-Term Upside
Analysts have slightly adjusted their price target for Regional Management, reflecting a small increase from $46.33 to $46.33. This is based on updated forecasts of modestly slower revenue growth and a marginally higher profit margin.Narrative Update • Nov 09
RM: Expansion Into New States Will Drive Portfolio Performance Ahead
Analysts have raised their price target for Regional Management from $44.67 to $46.33. This change reflects updated expectations based on recent adjustments to key financial projections.Narrative Update • Oct 25
Digital Channels And Machine Learning Will Drive Profit Despite Margin Pressure
Narrative Update on Regional Management Price Target Analysts have adjusted their price target for Regional Management slightly downward to $44.67 per share. They cite expectations for a lower profit margin and a modest increase in the projected future price-to-earnings ratio.Narrative Update • Oct 10
Sunbelt Digital Channels And Machine Learning Will Fuel Future Success
Analysts have raised their price target for Regional Management from $39.75 to $44.67. This reflects updated evaluations of fair value even as revenue growth and profit margin expectations are slightly more conservative.Analysis Article • Aug 24
Market Might Still Lack Some Conviction On Regional Management Corp. (NYSE:RM) Even After 27% Share Price Boost
Regional Management Corp. ( NYSE:RM ) shares have continued their recent momentum with a 27% gain in the last month...Analysis Article • Aug 03
Regional Management (NYSE:RM) Has Affirmed Its Dividend Of $0.30
The board of Regional Management Corp. ( NYSE:RM ) has announced that it will pay a dividend on the 10th of September...Seeking Alpha • Jun 05
New Student Loan Debt Could Spell Trouble For Regional Management
Summary US consumer debt is at record highs, with rising delinquencies and student loan repayments worsening the risk environment for lenders like Regional Management Corporation. RM's Q1 2025 results showed solid loan growth and stable delinquency trends. After earning $4.16 in FY 2024, the company is projected to earn $4.37 this year, a 5% increase. Despite RM's low valuation and attractive dividend yield, the company faces heightened credit risk, due to its exposure to financially stressed, low-credit-score borrowers. Given the challenging macro backdrop, I recommend a hold rating on RM until US consumer debt trends stabilize and repayment behaviors improve. Read the full article on Seeking AlphaAnalysis Article • May 16
Regional Management (NYSE:RM) Has Affirmed Its Dividend Of $0.30
Regional Management Corp. ( NYSE:RM ) will pay a dividend of $0.30 on the 11th of June. This means the annual payment...Analysis Article • May 03
Regional Management Corp. (NYSE:RM) First-Quarter Results: Here's What Analysts Are Forecasting For This Year
There's been a notable change in appetite for Regional Management Corp. ( NYSE:RM ) shares in the week since its...Analysis Article • Apr 16
Investors Continue Waiting On Sidelines For Regional Management Corp. (NYSE:RM)
Regional Management Corp.'s ( NYSE:RM ) price-to-earnings (or "P/E") ratio of 7.5x might make it look like a strong buy...
New Narrative • Sep 24
Strategic Expansions And Disciplined Growth Propel Profitability In Consumer Finance
Expanding into auto-secured loans and carefully managing credit quality reflects a strategic approach to boosting future earnings while controlling risk.Analysis Article • May 07
Regional Management Corp.'s (NYSE:RM) Shares Not Telling The Full Story
Regional Management Corp.'s ( NYSE:RM ) price-to-earnings (or "P/E") ratio of 13.4x might make it look like a buy right...Seeking Alpha • Apr 18
Regional Management: A Hold Despite Non-Prime Market Potential
Summary Regional Management Corp offers loans to borrowers with low credit scores as an alternative to payday loans. The company's business model includes small loans and large loans, with collateralized assets. Despite potential growth in the non-prime lending market, Regional Management faces significant credit risk and increasing competition, making a hold recommendation prudent. Read the full article on Seeking AlphaAnalysis Article • Feb 11
Regional Management (NYSE:RM) Will Pay A Dividend Of $0.30
The board of Regional Management Corp. ( NYSE:RM ) has announced that it will pay a dividend on the 14th of March, with...Earnings and Revenue Growth Forecasts
| Date | Revenue | Earnings | Free Cash Flow | Cash from Op | Avg. No. Analysts |
|---|---|---|---|---|---|
| 12/31/2027 | 770 | 70 | N/A | N/A | 3 |
| 12/31/2026 | 705 | 54 | N/A | N/A | 3 |
| 3/31/2026 | 639 | 49 | 310 | 326 | N/A |
| 12/31/2025 | 625 | 44 | 292 | 309 | N/A |
| 9/30/2025 | 610 | 41 | 276 | 293 | N/A |
| 6/30/2025 | 591 | 35 | 263 | 281 | N/A |
| 3/31/2025 | 578 | 33 | 256 | 274 | N/A |
| 12/31/2024 | 570 | 41 | 252 | 269 | N/A |
| 9/30/2024 | 557 | 24 | 256 | 272 | N/A |
| 6/30/2024 | 552 | 25 | 251 | 264 | N/A |
| 3/31/2024 | 543 | 22 | 243 | 255 | N/A |
| 12/31/2023 | 534 | 16 | 237 | 249 | N/A |
| 9/30/2023 | 525 | 26 | 228 | 242 | N/A |
| 6/30/2023 | 517 | 27 | 216 | 230 | N/A |
| 3/31/2023 | 508 | 33 | 218 | 231 | N/A |
| 12/31/2022 | 494 | 51 | 213 | 224 | N/A |
| 9/30/2022 | 483 | 70 | 212 | 221 | N/A |
| 6/30/2022 | 463 | 82 | 205 | 213 | N/A |
| 3/31/2022 | 441 | 90 | 192 | 200 | N/A |
| 12/31/2021 | 418 | 89 | 182 | 189 | N/A |
| 9/30/2021 | 396 | 82 | 167 | 172 | N/A |
| 6/30/2021 | 376 | 71 | 161 | 166 | N/A |
| 3/31/2021 | 366 | 59 | 150 | 155 | N/A |
| 12/31/2020 | 364 | 27 | 160 | 165 | N/A |
| 9/30/2020 | 363 | 28 | 169 | 175 | N/A |
| 6/30/2020 | 363 | 29 | 175 | 183 | N/A |
| 3/31/2020 | 356 | 30 | 172 | 179 | N/A |
| 12/31/2019 | 342 | 45 | N/A | 158 | N/A |
| 9/30/2019 | 331 | 40 | N/A | 156 | N/A |
| 6/30/2019 | 318 | 35 | N/A | 153 | N/A |
| 3/31/2019 | 307 | 35 | N/A | 145 | N/A |
| 12/31/2018 | 295 | 35 | N/A | 146 | N/A |
| 9/30/2018 | 284 | 35 | N/A | 137 | N/A |
| 6/30/2018 | 275 | 33 | N/A | 124 | N/A |
| 3/31/2018 | 269 | 31 | N/A | 118 | N/A |
| 12/31/2017 | 262 | 30 | N/A | 115 | N/A |
| 9/30/2017 | 254 | 26 | N/A | 117 | N/A |
| 6/30/2017 | 247 | 27 | N/A | 113 | N/A |
| 3/31/2017 | 239 | 26 | N/A | 109 | N/A |
| 12/31/2016 | 230 | 24 | N/A | 100 | N/A |
| 9/30/2016 | 223 | 25 | N/A | 88 | N/A |
| 6/30/2016 | 216 | 25 | N/A | 85 | N/A |
| 3/31/2016 | 212 | 24 | N/A | 83 | N/A |
| 12/31/2015 | 207 | 23 | N/A | 83 | N/A |
| 9/30/2015 | 205 | 19 | N/A | 83 | N/A |
| 6/30/2015 | 203 | 14 | N/A | 84 | N/A |
Analyst Future Growth Forecasts
Earnings vs Savings Rate: RM's forecast earnings growth (15.4% per year) is above the savings rate (3.5%).
Earnings vs Market: RM's earnings (15.4% per year) are forecast to grow slower than the US market (17% per year).
High Growth Earnings: RM's earnings are forecast to grow, but not significantly.
Revenue vs Market: RM's revenue (10.6% per year) is forecast to grow slower than the US market (11.9% per year).
High Growth Revenue: RM's revenue (10.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: RM's Return on Equity is forecast to be low in 3 years time (16.9%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/31 14:29 |
| End of Day Share Price | 2026/05/29 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Regional Management Corp. is covered by 9 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Chiaverini | BMO Capital Markets Equity Research |
| Vincent Caintic | BTIG |
| David Scharf | Citizens JMP Securities, LLC |