Regional Management Corp. RM | NYSE
$33.82
$0.31 | 0.93%
TREND SIGNAL:
|2026-10-09
|2026-10-09
Company Overview:
Market Cap:
$309.16M
Trailing PE:
7.1x
FWD PE *:
6x
Payout Ratio (TTM):
24.8%
52-Week Range:
$29.89 - $44.30
* Forward PE is based on street estimates.
10 Year RM Performance Metrics:
Total Return (with DRIP):
90.3% (6.64% CAGR)
Total Return (no DRIP):
86.7% (6.44% CAGR)
Share Price:
57.6% (4.65% CAGR)
Yield on Cost (with DRIP):
6.75%
Total Invested:
$10,000
Total Value (with DRIP):
$19,026
Total Return $ (with DRIP):
$9,026
Dividend Increase:
50.0% (7.30% CAGR)
Dividend Yield (FWD):
3.55% ($1.20)
RM 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
RM Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
RM Price CAGR:1Y: -12.92%2Y: 4.42%5Y: -10.15%10Y: 4.65%
RM Dividend Charts
RM Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 3.71%10Y: 7.30%
RM Dividend Payout Ratio CAGR:1Y: 19.03%2Y: -4.53%5Y: 21.87%10Y: 0.00%
RM Dividend to FCF Ratio CAGR:1Y: -13.45%2Y: -15.26%5Y: -11.18%10Y: 0.00%
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RM Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
RM Revenue CAGR:1Y: 6.71%2Y: 8.38%5Y: 12.83%10Y: 12.33%
RM EPS CAGR:1Y: -17.48%2Y: -0.58%5Y: -14.59%10Y: 5.66%
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RM Net Income CAGR:1Y: -19.60%2Y: -1.74%5Y: -16.57%10Y: 3.27%
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RM EBITDA CAGR:1Y: 120.52%2Y: 8.64%5Y: 1.59%10Y: 9.00%
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RM Free Cash Flow CAGR:1Y: 10.58%2Y: 10.71%5Y: 14.47%10Y: 18.00%
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RM Free Cash Flow / Share CAGR:1Y: 16.93%2Y: 14.49%5Y: 17.40%10Y: 21.21%
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RM Operating Income CAGR:1Y: 148.86%2Y: -36.37%5Y: -4.81%10Y: 4.83%
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RM Gross Profit CAGR:1Y: 113.45%2Y: 8.09%5Y: 13.58%10Y: 13.07%
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RM Shares Outstanding CAGR:1Y: -2.43%2Y: -1.32%5Y: -2.31%10Y: -2.18%
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RM Share Buybacks CAGR:1Y: 2.84%2Y: 244.77%5Y: -25.34%10Y: -10.82%
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RM Stock-Based Comp CAGR:1Y: -14.51%2Y: -14.45%5Y: 5.09%10Y: 5.47%
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RM Expenses CAGR:1Y: -59.02%2Y: -36.92%5Y: 4.05%10Y: -3.36%
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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
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RM Actual Revenue CAGR:1Y: 6.71%2Y: 8.38%5Y: 12.83%10Y: 12.33%
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RM Actual EPS CAGR:1Y: -17.48%2Y: -0.58%5Y: -14.59%10Y: 5.66%
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RM Actual Net Income CAGR:1Y: -19.60%2Y: -1.74%5Y: -16.57%10Y: 3.27%
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RM Actual EBITDA CAGR:1Y: 120.52%2Y: 8.64%5Y: 1.59%10Y: 9.00%
Ratios, Profit Margins & Return on Capital:
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RM Net Profit Margin CAGR:1Y: -24.69%2Y: -9.33%5Y: -26.06%10Y: -8.08%
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RM Gross Profit Margin CAGR:1Y: 100.04%2Y: -0.27%5Y: 0.66%10Y: 0.66%
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RM Price to Earnings CAGR:1Y: 65.85%2Y: 18.36%5Y: 13.98%10Y: 4.50%
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RM Price To Sales Ratio CAGR:1Y: 25.00%2Y: 7.48%5Y: -15.67%10Y: -3.90%
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RM Return on Capital Employed CAGR:1Y: 103.90%2Y: -41.81%5Y: -18.45%10Y: -7.03%
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RM Return on Invested Capital CAGR:1Y: 139.44%2Y: -41.07%5Y: -13.33%10Y: -4.93%
RM Dividends Info:
Annual Dividend:
$1.2
Forward Yield:
3.55%
Ex-Dividend Date:
2026-08-19
Lifetime Dividends / Share:
$6.85
RM Dividend History: Dates, Payments & Yield list
Below is a schedule of all RM dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/19/2026 | 08/21/2026 | $0.300 | 3.58% | 3.52% | $34.11 |
| 05/20/2026 | 05/22/2026 | $0.300 | 3.43% | 3.39% | $35.36 |
| 02/19/2026 | 02/23/2026 | $0.300 | 3.45% | 3.75% | $32.00 |
| 11/25/2025 | 11/27/2025 | $0.300 | 3.2% | 3.07% | $39.11 |
| 08/20/2025 | 08/22/2025 | $0.300 | 3.19% | 2.96% | $40.53 |
| 05/21/2025 | 05/23/2025 | $0.300 | 4.43% | 4.56% | $26.30 |
| 02/20/2025 | 02/24/2025 | $0.300 | 3.4% | 3.65% | $32.86 |
| 11/21/2024 | 11/25/2024 | $0.300 | 4.04% | 3.88% | $30.93 |
| 08/21/2024 | 08/23/2024 | $0.300 | 3.82% | 3.72% | $32.24 |
| 05/21/2024 | 05/23/2024 | $0.300 | 4.23% | 4.43% | $27.10 |
| 02/21/2024 | 02/23/2024 | $0.300 | 5.38% | 5.19% | $23.12 |
| 11/21/2023 | 11/23/2023 | $0.300 | 5.42% | 4.93% | $24.34 |
| 08/22/2023 | 08/24/2023 | $0.300 | 4.38% | 4.22% | $28.44 |
| 05/23/2023 | 05/25/2023 | $0.300 | 4.49% | 4.8% | $25.00 |
| 02/21/2023 | 02/23/2023 | $0.300 | 3.74% | 3.75% | $31.99 |
| 11/22/2022 | 12/14/2022 | $0.300 | 4.09% | 3.97% | $30.20 |
| 08/23/2022 | 09/15/2022 | $0.300 | 3.2% | 3.8% | $31.58 |
| 05/24/2022 | 06/15/2022 | $0.300 | 2.68% | 3% | $40.00 |
| 02/22/2022 | 03/16/2022 | $0.300 | 2.29% | 2.61% | $45.95 |
| 11/23/2021 | 12/15/2021 | $0.250 | 1.62% | 1.84% | $54.48 |
| 08/24/2021 | 09/15/2021 | $0.250 | 1.77% | 1.67% | $59.98 |
| 05/25/2021 | 06/15/2021 | $0.250 | 2.17% | 2.03% | $49.15 |
| 02/22/2021 | 03/12/2021 | $0.200 | 2.53% | 2.16% | $36.96 |
| 11/16/2020 | 12/04/2020 | $0.200 | 3.21% | 2.77% | $28.89 |
Projected Future Returns & Dividends for RM
Based on past 10-year performance, here are RM growth metrics:
Share price CAGR of +4.65%
Dividend CAGR of +7.36%
Using RM CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| RM (DRIP) | RM - No DRIP | |
|---|---|---|
| Current Price | $33.82 | $33.82 |
| Start Shares | 295.68 | 295.68 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 439.81 | 295.68 |
| Dividends Payment | $0.61 | $0.61 |
| Annual Dividends | $1,073 | $722 |
| Yield on cost | 10.73% | 7.22% |
| Share Price | $53.30 | $53.30 |
| Total Dividends | $6,180 | $4,986 |
| Final Value | $23,442 | $20,746 |
Estimated Future Value + Dividends - RM
NOTE: Above numbers are our estimate based on RM's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Regional Management Corp. (RM) had its IPO on 2012-03-28, and is traded on NYSE stock exchange.
Regional Management Corp. (RMC) functions as a broad-based financial services provider, concentrating on offering consumer installment loans. Its primary focus is on serving individuals across the United States who face challenges in securing credit through conventional channels such as banks, savings institutions, and credit card companies. RMC's product portfolio includes a range of personal installment loans, varying in size, along with retail financing options designed to help customers acquire items like furniture and appliances. In addition to its lending activities, the company furnishes a variety of insurance products, which include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment coverage, as well as collateral protection and reinsurance services. The company leverages multiple avenues to originate its loans, including its network of physical branches, centrally managed direct marketing campaigns, collaborations with digital partners, retail alliances, and its dedicated consumer-facing website. As of February 24, 2022, RMC operated a substantial branch network comprising approximately 350 locations situated across 14 states. Founded in 1987, Regional Management Corp. maintains its corporate headquarters in Greer, South Carolina.
RM website: https://www.regionalmanagement.com
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DCF Model — RM
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vs current price $33.82
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Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
