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The Screen · Financials · Credit Services
RMRegional Management Corp
RM · the NYSE · USD · Market cap $343M · 2,112 employees
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…
FAIL · Does not pass the screen
32.74 USD
Price as of 23 Oct 2026Daily close, not a live quoteLast reviewed 6 days ago
Screened 2026-10-23 · the tape above runs as of 22:21 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price32.74 USD at the 23 Oct 2026 close
Ethical screenDoes not pass
OptionsOpen interest leans to puts (put/call 3.00)
Last reviewed23 Oct 2026 (6 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 32.74 against the desk's fair-value range, base estimate 50.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 3.00, read 2026-10-25
Ethical does not pass the values gate
Price32.74 USD
Fair value50.00
Ethical score30.0/100
Our investment reviews on this name
2026-10-11Read Accumulation31.39+4.3% to today ✓Markdown gives way to Accumulation
2026-10-02Read Markdown31.39+4.3% to today Accumulation gives way to Markdown after a 16% slide in 3 weeks
2026-09-11Read Accumulation37.21-12.0% to today Distribution gives way to Accumulation
2026-08-11Read Distribution37.21-12.0% to today ✓Markdown gives way to Distribution with volume flow in agreement
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Regional Management Corp holds its Accumulation at $32.74. Consolidating, no directional conviction, held for 35 days.
As held on the ledger · 2026-10-23
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 35 days
Price at the screen
$32.74
Valuation
6.37 trailing · 4.26 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.03
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Credit Services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Credit Services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Regional Management does not clear the screen at the business-activity stage. It operates in an area the screen excludes: Credit Services, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when RM's ethical verdict changes
Today RM does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 52.7% margin of safety to the base estimate.
Third-party analyst targets: 3 covering, consensus None. The average target sits +50% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
RM trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-25Accumulation$33.38+0.0%Entry 9
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $48. Insiders have been net sellers over the past quarter.
2026-10-18Accumulation$33.38+6.3%Entry 8
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 6.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $48. Insiders have been net sellers over the past quarter.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $48. Insiders have been net sellers over the past quarter.
2026-10-02Markdown · changed$31.39-15.6%Entry 6
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 15.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $48. Insiders have been net sellers over the past quarter.
The framework has shifted from distribution to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $48.
The framework has shifted from markdown to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $48.
2026-07-18Markdown$37.21+0.0%Entry 3
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (3 analysts) rates it buy, with a mean price target of $48.
2026-07-03Markdown$37.21+0.0%Entry 2
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markdown$37.21Entry 1
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.