- ISIN
- US75902K1060
- CUSIP
- 75902K106
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Mar 28, 2012
Highlights
- Market Cap
- $343.77M
- Enterprise Value
- $1.90B
- EPS (TTM)
- $4.93
- PE Ratio
- 7.21
- PEG Ratio
- 0.54
- Total Revenue (TTM)
- $659.90M
- Gross Profit (TTM)
- $430.02M
- EBITDA (TTM)
- $117.08M
- Year Range
- $26.80 - $46.00
- ROA (TTM)
- 2.35%
- ROE (TTM)
- 12.99%
Share Price Chart
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Performance
RM Performance Chart
Regional Management Corp. (RM) is down 6.6% since the beginning of the year. At $36 per share, RM is trading 22.7% below its 52-week high of $46. Investors who bought $1,000 worth of RM shares 5 years ago would now be looking at an investment worth $887.
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Returns By Period
Regional Management Corp. (RM) has returned -6.56% so far this year and 39.69% over the past 12 months. Over the last ten years, RM has returned 9.68% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
Regional Management Corp.
- 1D
- -3.00%
- 1M
- 2.74%
- YTD
- -6.56%
- 6M
- -2.20%
- 1Y
- 39.69%
- 3Y*
- 13.75%
- 5Y*
- -2.37%
- 10Y*
- 9.68%
Benchmark (S&P 500 Index)
- 1D
- 0.13%
- 1M
- 5.25%
- YTD
- 11.16%
- 6M
- 11.43%
- 1Y
- 28.20%
- 3Y*
- 21.12%
- 5Y*
- 12.66%
- 10Y*
- 13.75%
RM Monthly Returns History
Based on dividend-adjusted daily data since Mar 28, 2012, RM's average daily return is +0.07%, while the average monthly return is +1.31%. At this rate, an investment would double in approximately 4.4 years.
Historically, 59% of months were positive and 41% were negative. The best month was Aug 2025 with a return of +32.9%, while the worst month was Mar 2020 at -46.7%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 5 months.
On a daily basis, RM closed higher 51% of trading days. The best single day was May 15, 2020 with a return of +30.0%, while the worst single day was Oct 31, 2014 at -35.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -4.39% | -13.38% | 1.35% | 15.81% | -0.70% | -3.21% | -6.56% | ||||||
| 2025 | 5.33% | -5.48% | -10.25% | 9.37% | -18.81% | 10.43% | 13.80% | 32.94% | -11.13% | 1.00% | -2.54% | 1.87% | 18.11% |
| 2024 | -2.79% | -2.75% | 3.46% | 4.13% | 10.24% | 4.51% | 13.78% | 3.53% | -2.45% | -12.20% | 7.39% | 11.30% | 41.51% |
| 2023 | 22.83% | -7.79% | -17.23% | 2.57% | -1.16% | 16.63% | 6.52% | -14.49% | 0.73% | -10.19% | -9.85% | 13.38% | -6.63% |
| 2022 | -11.66% | 1.70% | -5.38% | -11.37% | 11.25% | -21.46% | 9.71% | -17.17% | -16.77% | 21.11% | -12.41% | -4.62% | -49.62% |
| 2021 | -5.22% | 15.10% | 7.07% | 11.74% | 21.33% | -0.43% | 11.15% | 15.39% | -2.10% | -12.20% | 11.17% | 1.59% | 96.32% |
Benchmark Metrics
Regional Management Corp. has an annualized alpha of 2.50%, beta of 1.09, and R2 of 0.17 versus S&P 500 Index. Calculated based on daily prices since March 29, 2012.
- This stock participated in 109.81% of S&P 500 Index downside but only 84.82% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.17 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 2.50%
- Beta
- 1.09
- R²
- 0.17
- Upside Capture
- 84.82%
- Downside Capture
- 109.81%
Return for Risk
Risk / Return Rank
RM ranks 65 for risk / return — better than 65% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Regional Management Corp. (RM) and compare them to S&P 500 Index.
| RM | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.00 | 2.39 | -1.39 |
Sortino ratioReturn per unit of downside risk | 1.45 | 3.25 | -1.81 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.43 | -0.24 |
Calmar ratioReturn relative to maximum drawdown | 1.28 | 3.11 | -1.83 |
Martin ratioReturn relative to average drawdown | 2.47 | 14.38 | -11.91 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
Regional Management Corp. provided a 3.37% dividend yield over the last twelve months, with an annual payout of $1.20 per share. The company has been increasing its dividends for 5 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Dividend | $1.20 | $1.20 | $1.20 | $1.20 | $1.20 | $0.95 | $0.20 |
Dividend yield | 3.37% | 3.10% | 3.53% | 4.78% | 4.27% | 1.65% | 0.67% |
Monthly Dividends
The table displays the monthly dividend distributions for Regional Management Corp.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.60 | ||||||
| 2025 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.20 |
| 2024 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.20 |
| 2023 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.20 |
| 2022 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.20 |
| 2021 | $0.00 | $0.20 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.95 |
Dividend Yield & Payout
Dividend Yield
Regional Management Corp. has a dividend yield of 3.37%, which is quite average when compared to the overall market.
Payout Ratio
Regional Management Corp. has a payout ratio of 23.53%, which is below the market average. This means Regional Management Corp. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Regional Management Corp.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Regional Management Corp. was 71.80%, occurring on Apr 3, 2020. Recovery took 231 trading sessions.
The current Regional Management Corp. drawdown is 33.46%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -71.80%Apr 2020 | 1y 9mo | 11mo 6d | 2y 8moJun 2018 - Mar 2021 |
2014 bear market2014 | -68.61%Nov 2014 | 9mo 25d | 3y 6mo | 4y 3moJan 2014 - May 2018 |
2024 bear market2024 | -64.63%Feb 2024 | 2y 4mo | — | 4y 8moSep 2021 - now |
2012 bear market2012 | -24.11%Jun 2012 | 2mo 9d | 2mo 27d | 5mo 6dApr 2012 - Sep 2012 |
2013 correction2013 | -15.86%Sep 2013 | 1mo 4d | 21d | 1mo 25dAug 2013 - Sep 2013 |
Drawdown Indicators
| RM | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -71.80% | -56.78% | -15.02% |
Max Drawdown (1Y)Largest decline over 1 year | -31.05% | -9.10% | -21.95% |
Max Drawdown (3Y)Largest decline over 3 years | -38.09% | -18.90% | -19.19% |
Max Drawdown (5Y)Largest decline over 5 years | -64.63% | -25.43% | -39.20% |
Max Drawdown (10Y)Largest decline over 10 years | -71.80% | -33.92% | -37.88% |
Current DrawdownCurrent decline from peak | -33.46% | 0.00% | -33.46% |
Average DrawdownAverage peak-to-trough decline | -33.67% | -10.72% | -22.95% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 16.09% | 1.97% | +14.12% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Regional Management Corp. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Regional Management Corp. is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for RM, comparing it with other companies in the Credit Services industry. Currently, RM has a P/E ratio of 7.2. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for RM compared to other companies in the Credit Services industry. RM currently has a PEG ratio of 0.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for RM relative to other companies in the Credit Services industry. Currently, RM has a P/S ratio of 0.5. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for RM in comparison with other companies in the Credit Services industry. Currently, RM has a P/B value of 0.9. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
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Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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