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what it is
It makes fixed-payment consumer loans for people banks usually do not want, through 349 branches and digital channels.
how it gets paid
Last year Regional Management made $646M in revenue. large installment loans was the main engine at $213M, or 33% of sales.
why it's growing
Revenue grew 9.7% last year. Quarterly EPS for 2024 was $1.56, $0.86, $0.76, and $0.98.
what just happened
The clean takeaway is that earnings snapped back, with full-year EPS rising to $4.14 from $1.66 in 2023.
At a glance
C+ balance sheet — struggling to keep the lights on
45/100 earnings predictability — expect surprises
11.2x trailing p/e — the market's not buying it — or you found a deal
3.9% dividend yield — cash in your pocket every quarter
4.3% return on capital — nothing to write home about
xvary composite: 46/100 — below average
What they do
It makes fixed-payment consumer loans for people banks usually do not want, through 349 branches and digital channels.
This business wins because it shows up where traditional banks do not. RM serves 585,400 active accounts across 19 states, and those customers often need cash fast, not a lecture. Fixed-rate, fixed-term loans (set payments for a set period) → predictable collections → so what: you can model the cash flow better than the customer base suggests.
How they make money
$646M
annual revenue · their business grew +9.7% last year
small installment loans
$181M
+10.0%
large installment loans
$213M
+9.0%
auto-secured loans
$155M
+8.0%
retail and direct merchant loans
$71M
+7.0%
insurance and other fees
$26M
+5.0%
The products that matter
consumer installment lending
Installment Loans
$646M revenue base
this is the whole revenue engine today. If you buy RM, you are buying performance on this book, not a diversified mix of businesses.
entire business
revolving credit product
Line of Credit
2026 launch target
management says this product is targeted for 2026 with bank partners. If it lands well, you get a second revenue stream. If it slips, you still own the same one-engine lender.
new growth test
Key numbers
85%
debt/capital
Debt as a share of capital means borrowed money funds most of the business. So what: if credit losses rise, your equity cushion is thin.
$4.14
2024 eps
EPS means profit for each share you own. So what: 2024 rebounded sharply from $1.66 in 2023, which changes the valuation math fast.
24.2%
operating margin
Operating margin means profit after running the business, before interest and taxes. So what: RM keeps about $24 from every $100 of revenue.
3.9%
dividend yield
Dividend yield is the cash payout you collect at today's stock price. So what: you are being paid to wait while credit risk plays out.
Financial health
C+
strength
- balance sheet grade C+ — weak — may struggle to fund operations
- risk rank 2 — safer than 80% of stocks
- price stability 40 / 100
- long-term debt $1.6B (85% of capital)
C+ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for RM right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The clean takeaway is that earnings snapped back, with full-year EPS rising to $4.14 from $1.66 in 2023.
Quarterly EPS for 2024 was $1.56, $0.86, $0.76, and $0.98. Annual revenue was $646 million, up 9.7% vs. prior year, while the operating margin was 24.2%.
$646M
revenue
$4.14
eps
24.2%
operating margin
the number that mattered
The number that mattered was $4.14 in 2024 EPS, because the stock at $39.85 trades at roughly 9.6x that figure.
source: company earnings report, 2026
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What could go wrong
the top risk is credit losses on weaker-credit installment loans — RM is a lender with a 6.9% net margin and $1.6B in long-term debt, so you do not need many mistakes before the growth story stops working.
high
Credit losses rise faster than loan growth
RM serves weaker-credit borrowers. Revenue grew 9.7% last year, but net margin was only 6.9%. That is a thin buffer if charge-offs move the wrong way.
This is the fastest way to break the 20–25% 2026 net income growth case and put the 3.9% dividend under pressure.
high
Funding costs stay high against a debt-heavy structure
Long-term debt stands at $1.6B, equal to 85% of capital, against a market cap near $290M. In plain English: the funding side can hurt you even when loan demand holds up.
If borrowing costs stay elevated or funding access tightens, returns compress before shareholders see much benefit from growth.
med
The CEO transition changes the underwriting script
Lakhbir Lamba was named President and CEO in November 2025, with the full transition effective January 2026. New leaders often change growth pace, borrower mix, or risk appetite.
If the transition gets messy, execution is the first thing to wobble — and this business does not have much slack.
med
The 2026 line of credit launch adds complexity before it proves profit
Management expects a 2026 launch with bank partners, but the product is still a forward story. New credit products widen the opportunity only if underwriting stays disciplined.
If it slips or arrives without profit, you are still left with a single-engine lender and a richer story than the numbers support.
A 6.9% net margin, $1.6B in long-term debt, and a borrower base that tends to feel economic stress early leave you very little room for a bad quarter.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
20–25% growth guidance versus a 6.9% margin
Management set an ambitious profit target for 2026. If each quarter does not show clean credit and stable spreads, that guide starts to look optimistic fast.
calendar
Q1 2026 earnings report
Expected on or after April 28, 2026. It is the first full quarter under the new CEO, so you should read it for credit tone as much as the headline EPS.
trend
Receivables growth versus credit discipline
Management reiterated a 10% receivables growth target. In human-speak: they want to lend more without paying for it later in losses. Those goals do not always stay friends.
risk
2026 line of credit launch
Management said the application pipeline more than doubled since launch work began. The question is whether that demand becomes profit or just another place to make mistakes.
Analyst rankings
earnings predictability
45 / 100
A 45 / 100 score means earnings have been less dependable than the average stock. In human-speak: this is not the name you buy if you want sleepy quarters.
risk rank
2
That ranking system places RM in a safer bucket than many stocks. The catch is that the same snapshot shows a C+ balance sheet and $1.6B in long-term debt, so you should not confuse score math with balance-sheet comfort.
source: institutional data
Institutional activity
institutional ownership data for RM is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$40
current price
n/a
target midpoint · n/a from current
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