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RM · Regional Management Corp.

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$34.11 +0.78 (+2.34%) At close · Aug 21
Market Cap
$314.69M
Shares
9.23M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$34.11 Open$33.58 Day$33.50–34.39 52W close$30.88–45.54 Avg vol 30d104K Short int404K · 4.4% float · 4.6d Short vol43% Last earningsJul 29, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 31

Up next

Next earnings call
Oct 28, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 31, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Neutral Momentum Weak Sentiment Very Bullish Fundamentals Strong Quant / Vol Very High
      Market backdrop VIX 15.1 · calm Equity put/call 0.58
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg −7%
      below
      Price vs 50-day avg −11%
      below
      RSI (14) 43
      neutral
      MACD trend Positive
      52-week position 22%
      mid-range
      Volume (OBV) Bullish div.
      accumulating
      Momentum
      relative strength
      Weak
      1-month return −17%
      trailing
      6-month return +7%
      trailing
      YTD return −12%
      this year
      Relative strength −4%
      vs S&P · 6-mo
      Sentiment
      smart money
      Very Bullish
      Trend (MA cross) No cross
      50d $38 › 200d $37 — 50d above 200d
      Institutional flow Accumulating
      +8% holders QoQ · +20 funds added
      Insider flow Accumulating
      Net +$280.5K over 90 days · 50% sells
      Short interest Falling
      4.38% of float · ▼ -11.3% MoM · 4.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      122 holders — near 3-yr high, broad support
      Squeeze score 55
      elevated · 0–100
      Fundamentals
      Strong
      Revenue growth +10%
      Y/Y
      EPS growth +7%
      Y/Y
      Free cash flow $304.3M
      Valuation P/E 7.2
      below peers
      Buyback $60.0M
      authorized
      Balance sheet $1.6B
      net debt
      Quant / Vol
      risk profile
      Very High
      Volatility 47%
      annualized · 1-yr
      Max drawdown −32%
      past year
      ATR 4.5%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Jul 29, 2026
      YoY net income growth · 2026 6% – 9%
      ENR growth · 2026 5% – 7%
      EPS growth · 2026 10% – 13%
      Prior guidance period ended · from the 8-K filed Nov 5, 2025
      ENR Growth · 4Q 25 $60M – $70M
      ANR Growth · 4Q 25 $80M
      Total Revenue Yield · 4Q 25 32.2%
      Net Credit Losses · 4Q 25 $57M
      Allowance for Credit Loss Rate · 4Q 25 10.3%
      Effective Tax Rate · 4Q 25 24.5%
      G&A Expense · 4Q 25 $65M
      Interest Expense · 4Q 25 $23M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      2 · 3 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −7% Bearish
      Price vs 50-day avg
      −11% Bearish
      RSI (14)
      43 Neutral
      MACD trend
      Positive Bullish
      52-week position
      22% Neutral
      Volume (OBV)
      Bullish div. Bullish
      Market signals — smart money & positioning
      Bullish · 4 of 6
      Trend (MA cross) No cross
      50d $38 › 200d $37 — 50d above 200d
      Institutional flow Accumulating
      +8% holders QoQ · +20 funds added
      Insider flow Accumulating
      Net +$280.5K over 90 days · 50% sells
      Short interest Falling
      4.38% of float · ▼ -11.3% MoM · 4.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      122 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $31 Now $34 · 22% Range high $46
      vs 200-day avg -7% vs 50-day avg -11%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      30+ day contractual delinquency rate on auto-secured portfolio 2% As of June 30, 2026 —
      ACL rate 10.4% 2Q 26 —
      Allowance for credit losses as a percentage of net finance receivables 10.4% As of June 30, 2026 —
      Auto-secured net finance receivables 323.7M As of June 30, 2026 —
      Average Net Finance Receivables $2,119,432 YTD 26 —
      Capital Generation non-GAAP $27M YTD —
      Capital Performance Since Year-End 2020 (2) non-GAAP 12.2% YTD —
      Capital Return $18M 2Q 26 —
      Cost of funds 20 2Q 26 —
      current run-rate originations 28% 2Q 26 —
      Digitally sourced origination volume as a percentage of total new borrower volume 33.9% 2Q 26 —
      Dividend Yield 2.9% 2Q 26 —
      Efficiency ratio (2) 39% 2Q 26 —
      Funded debt-to-tangible equity ratio non-GAAP 4.9 As of June 30, 2026 —
      General and administrative expenses $130,108 YTD 26 —
      Increase in Stockholders’ Equity $5M YTD —
      Large loan net finance receivables 1.7B As of June 30, 2026 —
      Large loans as a percentage of new borrower digitally sourced loans booked 84.5% 2Q 26 —
      lower YTD ANR growth impact 20 2Q 26 —
      Net credit loss rate (Percentage of average net finance receivables (annualized)) 12.2% 2Q 26 —
      Net credit losses $64.51M 2Q 26 —
      Net finance receivables 2.1B As of June 30, 2026 —
      Net finance receivables per branch $6,018 2Q 26 —
      new branches opened since 2Q 25 12 2Q 26 —
      Number of branches 357 2Q 26 —
      Number of branches in same store calculation 345 2Q 26 —
      originated since launch $65M 2Q 26 —
      Percentage of average net finance receivables (annualized) 12.3% YTD 26 —
      portfolio growth from large loans 9.6% 2Q 26 —
      ratio of capital generation to average stockholders’ equity non-GAAP 20.7% YTD —
      Revenue Yields (1) 31.6% YTD 26 —
      ROA 1.6% 2Q 26 —
      ROE 8.7% 2Q 26 —
      Same store receivables 9% 2Q 26 —
      Sequential ENR Growth $44M 2Q 26 —
      Small loan net finance receivables 488.6M As of June 30, 2026 —
      Tangible equity (non-GAAP) non-GAAP $343,697 2Q 26 —
      Total interest and fee yield 28.4% 2Q 26 —
      Unused capacity to fund future growth on revolving credit facilities 442M As of June 30, 2026 —
      Weighted-average coupon 4.8% as of June 30, 2026 —
      Allowance for credit losses 219.5M first quarter of 2026 —
      Annualized operating expense ratio 12.2% first quarter of 2026 —
      Unused revolving credit facility capacity 516M first quarter of 2026 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      RM
      Regional Management Corp.
      this stock
      		$314.69M -12.0% +9.7% 7.2 4.4%
      V
      Visa Inc.
      		 $652.62B +5.8% -4.9% — 1.2%
      MA
      Mastercard Inc
      		 $508.54B +1.7% +16.4% 31.9 1.0%
      AXP
      American Express Co
      		 $223.63B -9.2% +13.4% 20.1 1.8%
      COF
      Capital One Financial Corp
      		 $132.22B -10.1% +36.6% — 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      122
      % held
      88.7%
      Net QoQ
      +93.3K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      183
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      404.0K
      Days to cover
      4.6d
      Change
      -51.3K sh
      View
      Short Volume
      Short vol %
      43%
      As of
      Aug 21, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      49
      Value
      $2.1K
      As of
      Jul 16, 2026
      View
      Off-Exchange
      Off-exchange %
      42.6%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net buying
      Net (90d)
      +$280.5K
      Buyers / Sellers
      1 / 1
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $645.6M
      Net income (FY)
      $44.4M
      EPS diluted
      $4.45
      View
      Buybacks
      Authorized
      $60.0M
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Jul 31, 2026
      This year
      11
      View
      Proposed Sales
      Value
      $139.1K
      Shares
      3.3K
      Filed
      Jul 10, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 29, 2026
      View
      Investor Relations
      Latest news
      Regional Management Corp. to Repo…
      Published
      Jul 1, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      RM +1.8% -17.0% +7.2% +5.7% -12.0%
      SPY -1.4% +3.6% +11.6% +2.5% +12.3%
      vs SPY +3.2% -20.7% -4.4% +3.2% -24.3%

      Capital returns

      Latest dividend
      $0.30 / share · ex Aug 19, 2026
      Raised 20%
      Paid (TTM)
      $1.20 / share · 4 payouts
      Dividend yield (TTM, derived)
      3.52%
      Buyback program · as of Nov 30, 2025
      Authorized
      $60.00M
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1519401 CUSIP 75902K106 13F (30d) 114 filings 113 filers Visit website Investor relations

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