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
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 10 valuation methods, at three horizons. As of 2026-09-06. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $34 RM trades at 0.9× p/b, below its 1.6× p/b peer median. Our $70 fair value sits well above the price. We hold it with medium confidence: the peer anchor overstates how cheap it looks. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| ddm gordon | 12M | $16.60 | — | — | TTM | high |
| graham number | 12M | $64.89 | — | — | TTM | high |
| Peer P/B | 12M | $61.48 | 1.6 | 39.39 | TTM | high |
| Peer P/FCF | 12M | $145.24 | 4.4 | 32.70 | TTM | high |
| Peer P/E | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
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 long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Self-history needs ~20 months of data.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $42.99 |
| 9.0 |
| 4.75 |
| TTM |
| high |
| Peer P/S | 12M | $97.49 | 1.4 | 69.81 | TTM | high |
| PEG | 12M | $92.33 | 19.4 | 4.75 | TTM | high |
| residual income | 12M | $42.53 | — | — | TTM | high |
| Own P/E history | 12M | $35.84 | 7.5 | 4.75 | TTM | high |
| triangulated | 12M | $44.46 | 9.0 | 4.91 | Triangulated | high |
| Peer P/B | 3Y | $72.35 | 1.6 | 46.36 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $211.22 | 4.4 | 47.56 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $59.42 | 9.0 | 6.57 | Analyst | medium |
| Peer P/S | 3Y | $120.21 | 1.4 | 86.08 | Analyst | medium |
| PEG | 3Y | $127.64 | 19.4 | 6.57 | Analyst | medium |
| Own P/E history | 3Y | $49.55 | 7.5 | 6.57 | Analyst | medium |
| Peer P/B | 5Y | $80.64 | 1.6 | 51.67 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $271.12 | 4.4 | 61.04 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $68.12 | 9.0 | 7.53 | Analyst | high |
| Peer P/S | 5Y | $137.80 | 1.4 | 98.68 | Analyst | high |
| PEG | 5Y | $146.31 | 19.4 | 7.53 | Analyst | high |
| Own P/E history | 5Y | $56.80 | 7.5 | 7.53 | Analyst | high |