Regional Management Corp.
RMFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframePart of the financial services sector, Regional Management Corp. (RM) is listed under Credit Services. At a $302.1M market cap, Regional Management Corp. ranks as a small-cap company within financial services. It offers small and large loans, and related payment and collateral protection insurance products.
Market Cap
$302.1M
Beta
1.01
P/E (TTM)
6.89
P/E (Fwd)
5.56
EPS (TTM)
$4.75
EPS (Fwd)
$5.89
ROE
12.6%
ROA
4.6%
Cash
$6.8M
Total Debt
$1.72B
Free CF
-$136.7M
52W Change
-17.8%
Annual Financials
Cash vs Debt
Where RM stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, RM finished 3.32% below its 150-day moving average ($35.21) and 2.91% below its 200-day moving average ($35.06). 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 October 20, 2026 close, RM's RSI(14) was 72.0, in overbought territory (above 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. The company is burning cash, with free cash flow at -$136.7M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. ROE of 12.6% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. No single metric tells the full story. Reviewing RM's risk profile alongside its fundamentals and technical indicators provides a more complete picture.