Regional Management Corp (RM) — Titan Protect Analysis

Regional Management Corp

Financial · ·

$35.93

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$313M

Total market value of the company

Trailing P/E

6.89

Very cheap relative to earnings

Forward P/E

4.61

Based on estimated future earnings — lower means cheaper

Rev Growth

+9.6%

Year-over-year revenue change

Profit Margin

7.6%

How much profit the company keeps from each dollar of revenue

ROE

13.3%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$49.00

+36% from current price — median analyst estimate

Recommendation

BUY

Consensus view from 3 analysts covering this stock

About Regional Management Corp

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, ac

https://www.regionalmanagement.com

Country: United States Employees: 2,112 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.584

Good returns relative to risk taken

Kelly Fraction

0.0422

Modest edge detected — smaller position warranted

Calmar Ratio

0.550

Acceptable balance between returns and drawdown risk

Annual Return

17.1%

Historical annualised return based on price data

Max Drawdown

-31.1%

Largest peak-to-trough decline — the worst it has been

HMM State

BULL

Statistical model sees bullish momentum

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.04

Moves slightly more than the broader market

52W High

$46.00

22% below the year high

52W Low

$26.51

36% above the year low

Avg Volume

59,711

Average daily shares traded — higher means easier to buy and sell

Short Ratio

5.5

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

337.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$4.93

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

441.85

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

60.5%

Revenue left after cost of goods — higher means pricing power

Operating Margin

23.3%

Profit from core operations before interest and tax

Free Cash Flow

$-112,624,128

Negative — the business is spending more than it generates

Revenue (TTM)

$639M

Total revenue over the last 12 months

Net Income

$49M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$50.00

Target Median

$49.00

Target Low

$45.00

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
9 Apr2026	Josh Gottheimer	Democrat	sell	15K–50K
7 Feb2025	Tim Walberg	Republican	buy	1K–15K
2026-05-07	Dwight Evans	Democrat	Sale	1K–15K
2026-05-05	Brian Babin	Republican	Sale	1K–15K
2026-04-13	Ro Khanna	Democrat	Purchase	15K–50K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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