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Regional Management Corp. (RM) — RQD Stock Rating Cockpit

$36.30 +0.11% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.24

Regional Management Corp. (RM) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $334.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RM Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Regional Management Corp. (NYSE: RM) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $36.30 (+0.11% 1D, market cap $334.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, RM ranks #372 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RM compare to CCAP and BRBI in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), RM carries a Roarable C- (61/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 11.9%. By comparison, CCAP (Crescent Capital BDC Inc.) holds a D grade (51/100 RQD, P/E 9.9x, ROIC -11.1%, cap $341.6M) and BRBI (BRBI BR Partners S.A. ADSs) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $353.5M). Among the 5-stock peer group, RM leads on earnings multiple (7.5x) while RM leads on capital efficiency (11.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RM?
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Per RM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001519401), Regional Management Corp. generated $645.6M in revenue (+9.7% YoY), $44.4M in net income, and $304.3M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $36.24 (-0.17%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 47.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510061
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+
Cash (15)Whales (11)SEC (13)Macro (10)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
$47 Bull$37 Base$29 Bear
📬 FREE RM RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RM)Realized 20D OHLCV Swing Band: ±8.3%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY RM SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 47.1% FCF Margin ($304.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (66.7) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$34.41-1.9% Next Q
Q2 (-2Q)
56
Grade C$33.75-2.5% Next Q
Q3 (-1Q)
58
Grade C$32.89+10.4% Next Q
Current
61
Grade C-$36.30+0.5% Hist 90D α
Trajectory: C- (53) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, RM faces multiple-compression risk if 7.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.90) or 200D SMA ($35.28) invalidates the momentum regime and cuts Target Base ($36.79) toward Bear Floor ($28.70).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RM• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “RM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 61%NO 39%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
66.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE44% OF RANGE
L: $30$36.30H: $44
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on RM

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (75)

11.9% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (55)

23/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like RM
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RM Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
RM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.14%📐 HORIZONTAL RANGE
2026-11-03O $36.26H $36.30L $36.26C $36.30VOL 100.8K
RES: $38.71SUP: $29.39SMA50: $32.90SMA200: $35.28
$45.31$41.13$36.95$32.77$28.59RES $38.71SUP $29.39$36.302026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RM Butterfly Map → + Track RM →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-6.7%/yr Implied 5Y Growth

vs. +9.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RM)

Financials Rank #372 of 1097 ⚔️ CCAP vs RM Full Matrix →

1. Head-to-Head Financials Peer Comparison (RM vs. CCAP, BRBI, GEMI, BTBT)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Regional Management Corp. (RM) ranks #372 by composite RQD confidence (61/100, grade C-) and #787 by equity capitalization ($334.9M). Within this direct 5-issuer industry benchmark cohort, RM leads on earnings valuation at 7.5x trailing P/E, while RM leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. RM currently leads its immediate peer cohort in composite quantitative strength at 61/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RM ACTIVE
Regional Management Corp.
C- 61/100 7.5x — 11.9% +0.11% $334.9M Benchmark Subject
CCAP
Crescent Capital BDC Inc.
D 51/100 9.9x — -11.1% -0.32% $341.6M /ccap-vs-rm →
BRBI
BRBI BR Partners S.A. ADSs
D 45/100 — — — -11.65% $353.5M /brbi-vs-rm →
GEMI
Gemini Space Station Inc. (Class A)
E 24/100 — — -35.0% -6.82% $376.1M /gemi-vs-rm →
BTBT
Bit Digital Inc.
E 23/100 — — -12.0% -14.27% $288.5M /btbt-vs-rm →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001519401 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Regional Management Corp. (RM) reported GAAP revenue of $645.6M (+9.7% vs. FY2024 revenue of $588.5M , and +17.1% cumulative change since FY2023) , GAAP net income of $44.4M, operating cash flow of $309.1M, and free cash flow of $304.3M (+15.3% YoY). On the balance sheet, RM closed FY2025 with $2.10B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $645.6M $44.4M $309.1M $304.3M $2.10B —
FY2024 (FY) 2024-12-31 $588.5M $41.2M $268.9M $263.9M $1.91B —
FY2023 (FY) 2023-12-31 $551.4M $16.0M $249.2M $249.2M — —

3. RM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Regional Management Corp. (NYSE: RM) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $36.30 (+0.11% 1D, market cap $334.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, RM ranks #372 in composite RQD confidence.

How does RM compare to CCAP and BRBI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), RM carries a Roarable C- (61/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 11.9%. By comparison, CCAP (Crescent Capital BDC Inc.) holds a D grade (51/100 RQD, P/E 9.9x, ROIC -11.1%, cap $341.6M) and BRBI (BRBI BR Partners S.A. ADSs) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $353.5M). Among the 5-stock peer group, RM leads on earnings multiple (7.5x) while RM leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RM?

Per RM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001519401), Regional Management Corp. generated $645.6M in revenue (+9.7% YoY), $44.4M in net income, and $304.3M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RM trading relative to its 50-day, 200-day, and 52-week technical levels?

RM last traded at $36.30 (+0.11% on volume of 100,793 shares), positioning the stock +10.33% above its 50-day simple moving average ($32.90) and +2.89% above its 200-day simple moving average ($35.28). Across its 52-week range of $29.89 to $44.30, RM sits at the 44.5% percentile with a 14-day RSI of 66.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.3% ($33.29 to $39.31).

Direct Sub-Reports: RM RQD Cockpit RM 12M Forecast RM Earnings & Move RM Dividends & DRIP RM Insiders & 13F RM Whale Options RM Profit Sankey RM News & Why
ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

RM — Regional Management Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Regional Management Corp. (RM) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $36.30 (+0.11% 1D, market capitalization $334.9M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 11.9%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Regional Management Corp. (RM) is a NYSE-listed issuer in the Financials sector, Finance: Consumer Services industry. The news wire references "bank" activity in one headline, but the source does not provide detail on how the company generates its revenue. Market capitalization is reported at $0.3B in the profile.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Regional Management Corp. (RM) reported $645.6M in annual revenue (up from $588.5M in FY2024, +9.7% YoY) and $44.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($551.4M revenue, $16.0M net income) through FY2025, RM scaled operating cash flow to $309.1M and free cash flow to $304.3M, backed by $2.10B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 61/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Free cash flow yield of — and institutional whale pillar of 11/20. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $29.89 – $44.30 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 7.5x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The sector and industry classification (Financials; Finance: Consumer Services) is the only structural context provided.

  • Key Question #1: Can RM sustain or expand its — operating margin and 11.9% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $645.6M and free cash flow of $304.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is RM's 7.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Regional Management Corp. (RM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RM Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RM Bull vs. Bear Conversation Board — What's Your Call at $36.30?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RM 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RM:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $42.11 (+16.0%)
📌 Pinned Debate

Revenue grew each reported year from $551.4M to $645.6M while net income rose from $16.0M to $44.4M, and the P/E TTM is 7.5.

Picked up a starter position in RM in my $100K Virtual Cash book at $36.30. Revenue grew each reported year from $551.4M to $645.6M while net income rose from $16.0M to $44.4M, and the P/E TTM is 7.5.. Trading inside a $29.89–$44.30 52-week range with 0.0% FCF yield gives solid downside support if Finance: Consumer Services multiples expand this quarter.

SectorRotator 🐂 BULL

@BreakoutHunter Agree on the RQD 61/100 quality, though with 1.0 beta I'm scaling in with half-size at $36.30 and keeping dry powder in case we test $33.76.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $28.68 (-21.0%)
Spot @ $36.30

The 0% FCF yield and 0% dividend yield provide no direct cash return to holders, and the news wire flags that cheap debt is running out

Here is the bear case nobody on the bull side wants to address on RM: The 0% FCF yield and 0% dividend yield provide no direct cash return to holders, and the news wire flags that cheap debt is running out.. At 7.5x trailing P/E, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.

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