Regional Management Corp. (RM)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$37.62-4.76%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
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 | -16.8% |
| Our one-year growth estimate | diamond | 7.9% |
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 2026-11-05.
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 24.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 26 industry peers · Company calendar date is not available
RM — President transition
Dated 2026-10-28
Chief Credit Risk Officer — Manish Parmar: The Executive Vice President and Chief Credit Risk Officer was terminated without cause, constituting a genuine departure of a senior executive, though a successor was promptly appointed.
Why it matters: RM plans to finish its scorecard rollout in Q4. Lower losses would show that tighter loan checks are working.
Supportive ifThe company confirms the scorecard is live across its states and the net credit loss rate falls below 10.9%.
Worry ifThe rollout slips past Q4, or the net credit loss rate rises above 10.9%.
Why it matters: Delinquencies rose to 7.5% in Q3, up 50 basis points from Q2. A drop below the Q2 level would show fewer loans are falling behind.
Supportive ifQ4 30+ day delinquency is below 7.0%, the Q2 2026 rate.
Worry ifQ4 30+ day delinquency stays at 7.5% or rises above it.
Why it matters: The program has reached four states and generated over $160 million in loans. Wider use can add fee income and support growth.
Supportive ifA company update names more states using Column N.A. and shows partnership loans or fees rising from Q3 levels.
Worry ifA company update reports no further state rollout, or says the end-of-2027 branch rollout is delayed.
Why it matters: Q3 losses were 10.9%, up from 10.2% a year ago. A lower rate would show credit is improving beyond the seasonal drop.
Supportive ifQ4 net credit loss rate is below 10.2%, the Q3 2025 rate.
Worry ifQ4 net credit loss rate is 10.9% or higher, or rises above the Q3 2026 rate.
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 | ±$131 on $10,000 · ±1.3% | How much price usually moves either way. |
| Bad day | $385 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 | $3,051 loss on $10,000 · 30.5% | 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.