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How to buy Regional Management stock | $27.67

Own Regional Management stock in just a few minutes.

Fact checked

Regional Management Corp is a credit services business based in the US. Regional Management shares (RM) are listed on the NYSE and all prices are listed in US Dollars. Regional Management employs 1,638 staff and has a trailing 12-month revenue of around USD$366.9 million.

How to buy shares in Regional Management

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Regional Management. Find the stock by name or ticker symbol: RM. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Regional Management reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$27.67, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Regional Management, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Regional Management. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Regional Management share price

Use our graph to track the performance of RM stocks over time.

Regional Management shares at a glance

Information last updated 2020-12-10.
Latest market closeUSD$27.67
52-week rangeUSD$10.2402 - USD$31.5968
50-day moving average USD$25.2111
200-day moving average USD$19.6577
Wall St. target priceUSD$26.67
PE ratio 11.0415
Dividend yield USD$0.8 (2.79%)
Earnings per share (TTM) USD$2.506

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Regional Management stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Regional Management price performance over time

Historical closes compared with the close of $27.67 from 2020-12-09

1 week (2021-01-08) -10.51%
1 month (2020-12-15) -7.40%
3 months (2020-10-15) 30.77%
6 months (2020-07-15) 70.80%
1 year (2020-01-15) -3.49%
2 years (2019-01-15) 7.08%
3 years (2018-01-15) N/A
5 years (2016-01-15) 110.58%

Is Regional Management under- or over-valued?

Valuing Regional Management stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Regional Management's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Regional Management's P/E ratio

Regional Management's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 11x. In other words, Regional Management shares trade at around 11x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Regional Management's PEG ratio

Regional Management's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.42. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Regional Management's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Regional Management's EBITDA

Regional Management's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$93.6 million.

The EBITDA is a measure of a Regional Management's overall financial performance and is widely used to measure a its profitability.

Regional Management financials

Revenue TTM USD$366.9 million
Operating margin TTM 22.15%
Gross profit TTM USD$247.2 million
Return on assets TTM 4.78%
Return on equity TTM 9.86%
Profit margin 7.65%
Book value $24.033
Market capitalisation USD$313.7 million

TTM: trailing 12 months

Shorting Regional Management shares

There are currently 339,663 Regional Management shares held short by investors – that's known as Regional Management's "short interest". This figure is 8.9% down from 372,966 last month.

There are a few different ways that this level of interest in shorting Regional Management shares can be evaluated.

Regional Management's "short interest ratio" (SIR)

Regional Management's "short interest ratio" (SIR) is the quantity of Regional Management shares currently shorted divided by the average quantity of Regional Management shares traded daily (recently around 36483.673469388). Regional Management's SIR currently stands at 9.31. In other words for every 100,000 Regional Management shares traded daily on the market, roughly 9310 shares are currently held short.

However Regional Management's short interest can also be evaluated against the total number of Regional Management shares, or, against the total number of tradable Regional Management shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Regional Management's short interest could be expressed as 0.03% of the outstanding shares (for every 100,000 Regional Management shares in existence, roughly 30 shares are currently held short) or 0.0362% of the tradable shares (for every 100,000 tradable Regional Management shares, roughly 36 shares are currently held short).

A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Regional Management.

Find out more about how you can short Regional Management stock.

Regional Management share dividends

8%

Dividend payout ratio: 8.03% of net profits

Recently Regional Management has paid out, on average, around 8.03% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.79% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Regional Management shareholders could enjoy a 2.79% return on their shares, in the form of dividend payments. In Regional Management's case, that would currently equate to about $0.8 per share.

While Regional Management's payout ratio might seem low, this can signify that Regional Management is investing more in its future growth.

Regional Management's most recent dividend payout was on 4 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 16 November 2020 (the "ex-dividend date").

Have Regional Management's shares ever split?

Regional Management's shares were split on a 5:1 basis on 13 August 2003. So if you had owned 1 share the day before before the split, the next day you'd have owned 5 shares. This wouldn't directly have changed the overall worth of your Regional Management shares – just the quantity. However, indirectly, the new 80% lower share price could have impacted the market appetite for Regional Management shares which in turn could have impacted Regional Management's share price.

Regional Management share price volatility

Over the last 12 months, Regional Management's shares have ranged in value from as little as $10.2402 up to $31.5968. A popular way to gauge a stock's volatility is its "beta".

RM.US volatility(beta: 1.47)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Regional Management's is 1.4661. This would suggest that Regional Management's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Regional Management overview

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. It offers small and large installment loans; retail loans to finance the purchase of furniture, appliances, and other retail products; insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. The company's loans are sourced through branches, direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of March 26, 2020, it operated through a network of 366 branches in 11 states located in the Southeastern, Southwestern, Mid-Atlantic, and Midwestern United States. Regional Management Corp. was founded in 1987 and is headquartered in Greer, South Carolina.

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