Regional Management Corp. (RM)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$33.68+1.66%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · RM
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -51.7% |
| Our one-year growth estimate | diamond | 4.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 56.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 37 industry peers · Company calendar date is not available
RM — dividend update
Dated 2026-07-29
Other Events. On July 29, 2026, the Company also announced that its Board of Directors has declared a quarterly cash dividend of $0.30 per share of outstanding common stock, payable on September 16, 2026 to stockholders of record as of the close of business on August 19, 2026.
Why it matters: The company keeps paying its dividend. This shows it is financially strong. It also cares about its shareholders.
Supportive ifThe company declares a dividend of $0.30 per share for the next quarter.
Worry ifThe company cuts or stops the dividend payment.
Why it matters: A steady dividend shows good financial health. It shows a commitment to shareholders.
Supportive ifA $0.30 dividend for Q4 2026 was announced. This keeps things consistent.
Worry ifNo dividend was announced for Q4 2026. This may show financial strain.
Why it matters: A big drop in originations may show lower demand. This can hurt revenue growth.
Worry ifTotal originations are likely to fall over 5% from last year in the next quarters.
Less concerning ifTotal originations show growth or drop of less than 5% from last year.
Why it matters: More credit loss provisions show possible problems with loans and risk.
Worry ifProvision for credit losses exceeds $64.9 million in Q2 2026.
Less concerning ifProvision for credit losses remains below $60 million in Q2 2026.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$142 on $10,000 · ±1.4% | How much price usually moves either way. |
| Bad day | $381 loss on $10,000 · 3.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,106 loss on $10,000 · 31.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in revenue growth in finance may show bigger economic problems. This affects Regional Management's growth.
Worry ifSector revenue growth reported below the median of 15% year over year.
Less concerning ifSector revenue growth remains above the median of 15% year over year.
Why it matters: Slower revenue growth may mean trouble in getting new customers and market issues.
Worry ifTotal revenue growth for Q3 is below 6.7%. This shows possible revenue problems.
Less concerning ifTotal revenue growth is above 6.7%. This shows strong performance despite market issues.
Why it matters: More loans from the bank partnership may show good growth and expansion.
Supportive ifLoans from the Column partnership topped $100 million in Q3.
Worry ifLoans from the Column partnership stayed under $65 million in Q3.
Why it matters: Expanding this program could drive growth. It is a priority for management.
Supportive ifThe company has a new partnership. It is also expanding the lending program.
Worry ifNo updates or delays in the lending program expansion.
Why it matters: Expanding the bank partnership can boost loan originations and net income growth. This is key for future performance.
Supportive ifAnnouncement of the bank partnership being implemented in at least one new state by the end of 2026.
Worry ifNo new states are added to the bank partnership by the end of 2026.
Why it matters: A rising credit loss rate may show worse loan performance. This can hurt profits.
Worry ifNet credit loss rate reported above 12.5% in the upcoming quarters.
Less concerning ifNet credit loss rate remains at or below 12.5% in the upcoming quarters.