Regional Management Corp.
RMFinancial ServicesNASDAQCredit Services
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Daily timeframePart of the financial services sector, Regional Management Corp. (RM) is listed under Credit Services. The $310.7M market capitalization puts RM squarely in small-cap range for its industry. It offers small and large loans, and related payment and collateral protection insurance products.
Market Cap
$310.7M
Beta
0.99
P/E (TTM)
7.09
P/E (Fwd)
5.78
EPS (TTM)
$4.75
EPS (Fwd)
$5.83
ROE
12.6%
ROA
4.6%
Cash
$6.8M
Total Debt
$1.72B
Free CF
-$136.7M
52W Change
-19.7%
Annual Financials
Cash vs Debt
Where RM stands vs its 150-day and 200-day moving averages
As of the August 24, 2026 close, RM finished 4.08% below its 150-day moving average ($35.56) and 5.22% below its 200-day moving average ($35.99). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is RM overbought or oversold?
At the August 24, 2026 close, RM's RSI(14) was 48.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Regional Management Corp. carries $1.72B in total debt against $6.8M in cash reserves — debt is roughly 252.6x the cash position. Managing this leverage effectively will be important for long-term financial stability. Free cash flow is running at -$136.7M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. Return on equity stands at 12.6%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 4.6% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $473.0M to $560.8M.
Regional Management Corp. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Regional Management Corp.'s trajectory.