Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Regional Management Corp. (RM)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$39.50+1.86%
Close 2026-11-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
6.26 → 6.61 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 2 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for RM yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Quarterly dividend maintained at $0.30 per share | The company pays a steady $0.30 quarterly dividend. | Intact | Dividend cut or suspension | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
RM is a financial business with a growth-and-execution thesis, not a proven steady compounder. The multi-year view remains in watch status: earnings quality is robust, but management is rated volatile and risk is elevated.
RM is described as cheap versus peers, while the priced-in tag is justified and fragility is low. The expectations gap is negative, so the valuation evidence does not point to an unusually low bar for results despite the peer discount.
Near term, performance remains weak relative to the industry cohort, although momentum improved and the latest event list includes an earnings beat. Over the multi-year view, the Column N.A. partnership has expanded, credit losses improved sequentially, and expense efficiency has improved, but credit performance remains worse year over year and management execution is mixed.
A guidance cut on the next call would be a meaningful negative, while continued strong results and higher guidance from sector bellwethers could support sector momentum. The thesis also hinges on whether the bank partnership keeps expanding and whether credit performance improves beyond its seasonal sequential progress.
Over the next 1 to 3 years, RM has evidence of partnership and efficiency progress, but elevated risk and weak recent performance leave the thesis dependent on better credit trends and steady execution. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in Regional Management Corp.'s published investment case. The stated target is >=1.18 USD per share. |
| Intact |
| EPS falls below $1.00 in FY26 |
Diluted EPS: $1.61 per share FY2026-Q3; GAAP. Published target: >=1.18 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Oct 30, 20261.61 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Gross margin stays near 32% | A primary condition in Regional Management Corp.'s published investment case. The stated target is >=32% gross margin. | Broken | Gross margin falls below 30% in FY25 | Gross margin: 94.34% FY2026-Q3; GAAP. Published target: >=32% gross margin. Annual target cannot be compared with a quarterly or TTM observation. Oct 30, 202694.341522 percent · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue grows at least 11% annually | A primary condition in Regional Management Corp.'s published investment case. The stated target is >=11% YoY revenue growth. | Broken | YoY revenue growth falls below 7% in FY26 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$7.37 → $6.61 · observed estimates
$0.77B → $0.75B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $7.37 | $770,107,330 | 4 / 3 |
| 2026-07-25 | $7.37 | $744,090,346 | 4 / 3 |
| 2026-07-26 | $7.37 | $770,107,330 | 4 / 3 |
| 2026-07-27 | $7.37 | $744,090,346 | 4 / 3 |
| 2026-07-28 | $7.37 | $770,107,330 | 4 / 3 |
| 2026-07-29 | $7.37 | $744,090,346 | 4 / 3 |
| 2026-07-30 | $7.37 | $770,107,330 | 4 / 3 |
| 2026-07-31 | $5.83 | $735,860,670 | 3 / 3 |
| 2026-08-01 | $6.54 | $714,745,575 | 3 / 3 |
| 2026-08-02 | $5.83 | $735,860,670 | 3 / 3 |
| 2026-08-03 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-04 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-05 | $5.83 | $735,860,670 | 3 / 3 |
| 2026-08-06 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-08 | $5.83 | $735,860,670 | 3 / 3 |
| 2026-08-09 | $5.83 | $735,860,670 | 3 / 3 |
| 2026-08-10 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-12 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-13 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-14 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-15 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-16 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-17 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-18 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-19 | $6.12 | $714,745,500 | 3 / 3 |
| 2026-08-20 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-21 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-22 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-23 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-24 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-25 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-26 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-27 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-28 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-29 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-30 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-08-31 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-01 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-02 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-03 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-04 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-05 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-06 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-07 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-08 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-09 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-10 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-11 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-12 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-13 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-14 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-15 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-16 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-17 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-18 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-19 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-20 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-21 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-22 | $6.12 | $713,073,734 | 3 / 3 |
| 2026-09-23 | $6.26 | $733,631,645 | 3 / 3 |
| 2026-09-24 | $6.26 | $733,631,645 | 3 / 3 |
| 2026-09-25 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-09-26 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-09-27 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-09-28 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-09-29 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-09-30 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-01 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-02 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-03 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-04 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-05 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-06 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-07 | $6.26 | $733,631,645 | 2 / 3 |
| 2026-10-08 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-09 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-10 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-11 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-12 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-13 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-14 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-15 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-16 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-17 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-18 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-19 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-20 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-21 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-22 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-23 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-24 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-25 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-26 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-27 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-28 | $6.25 | $733,631,667 | 2 / 3 |
| 2026-10-29 | $6.29 | $744,134,667 | 2 / 3 |
| 2026-10-30 | $6.61 | $746,799,667 | 1 / 3 |
| 2026-10-31 | $6.61 | $746,799,667 | 2 / 3 |
| 2026-11-01 | $6.61 | $746,799,667 | 2 / 3 |
| 2026-11-02 | $6.61 | $746,799,667 | 2 / 3 |
| 2026-11-03 | $6.61 | $746,799,667 | 2 / 3 |
| 2026-11-04 | $6.61 | $746,799,667 | 2 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.