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About the company
Regional Management Corp. is a diversified consumer finance company. The Company provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. The Company operates under the name Regional Finance online and in branch locations in 19 states across the United States. Its loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. It sources loans through its multiple channel platform, which includes branches, centrally managed direct mail campaigns, digital partners, and its consumer Website. Its core products are large and small installment loans. It also offers its customers optional payment and collateral protection insurance, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance.
- Revenue in USD (TTM)645.60m
- Net income in USD44.41m
- Incorporated2011
- Employees2.13k
- LocationRegional Management Corp979 Batesville Road, Suite BGREER 29651United StatesUSA
- Phone+1 (864) 448-7000
- Fax+1 (302) 655-5049
- Websitehttps://www.regionalmanagement.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fifth District Bancorp Inc | 21.52m | 3.71m | 83.45m | 67.00 | 21.04 | 0.6356 | 19.04 | 4.99 | 0.7181 | 0.7181 | 3.19 | 23.77 | -- | -- | -- | -- | 0.6971 | -- | -- | -- | -- | -- | 22.15 | -- | -- | -- | -- | -- | 17.45 | -- | -235.18 | -- | -- | -- |
| Beeline Holdings Inc | 7.69m | -23.43m | 85.61m | 76.00 | -- | 1.16 | -- | 11.14 | -12.25 | -23.94 | 0.9795 | 2.62 | 0.1936 | -- | 105.32 | 101,157.90 | -46.53 | -29.43 | -71.98 | -52.71 | 33.87 | 21.49 | -240.27 | -83.84 | -- | -4.60 | 0.14 | -- | -64.07 | -20.16 | 39.56 | -- | -49.57 | -- |
| Vroom Inc | 109.08m | -34.15m | 97.60m | 704.00 | -- | 0.7708 | -- | 0.8947 | -19.30 | -19.06 | 25.09 | 24.35 | 0.1052 | -- | 8.13 | 154,941.80 | -3.29 | -15.61 | -4.81 | -22.18 | 50.03 | 9.24 | -31.31 | -18.66 | -- | -20.84 | 0.8575 | -- | 16.23 | -38.10 | -62.45 | -- | -0.2335 | -- |
| CPI Card Group Inc | 515.58m | 14.37m | 129.59m | 1.50k | 9.46 | -- | 3.76 | 0.2514 | 1.20 | 1.20 | 43.20 | -2.25 | 1.38 | 3.96 | 6.05 | 343,717.30 | 3.84 | 7.98 | 4.86 | 10.12 | 31.89 | 36.12 | 2.79 | 5.37 | 1.53 | 1.63 | 1.09 | 0.00 | 8.11 | 11.56 | -18.61 | -- | 17.26 | -- |
| Consumer Portfolio Services Inc | 418.86m | 19.49m | 189.26m | 918.00 | 10.65 | 0.6174 | 9.27 | 0.4518 | 0.8051 | 0.8051 | 17.30 | 13.89 | 0.1152 | -- | 95.58 | 448,941.10 | 0.536 | 1.69 | 0.5464 | 1.73 | 46.23 | 62.37 | 4.65 | 13.73 | -- | -- | 0.9178 | -- | 9.56 | 1.50 | -57.65 | 28.85 | -10.43 | -- |
| Oportun Financial Corp | 408.82m | 30.58m | 218.88m | 1.56k | 7.48 | 0.5697 | 2.96 | 0.5354 | 0.6633 | 0.6633 | 8.79 | 8.71 | 0.1270 | -- | -- | 176,824.00 | 0.9501 | -2.26 | 0.9714 | -2.35 | -- | -- | 7.48 | -15.97 | -- | -- | 0.8768 | -- | 5.18 | -7.77 | 56.28 | -- | -5.20 | -- |
| Eightco Holdings Inc | 38.11m | -32.59m | 243.33m | 23.00 | -- | 0.6791 | -- | 6.39 | -3.02 | -2.82 | 2.86 | 1.81 | 0.1883 | 8.00 | 25.56 | 1,656,748.00 | -16.10 | -- | -18.03 | -- | 5.60 | -- | -85.53 | -- | 18.55 | -2.18 | 0.0299 | -- | -41.36 | -- | 100.42 | -- | -- | -- |
| California First Leasing Corp | 25.85m | 20.28m | 254.12m | 98.00 | 12.99 | 0.9897 | 25.71 | 9.83 | 2.18 | 2.18 | 2.78 | 28.59 | 0.0953 | -- | -- | -- | 7.47 | 7.71 | 7.50 | 7.97 | -- | -- | 78.45 | 76.51 | -- | -- | 0.00 | 15.95 | -46.01 | -- | -39.60 | -- | -- | -5.11 |
| Yiren Digital Ltd - ADR | 899.51m | 181.55m | 312.79m | 949.00 | 1.73 | 0.2089 | 1.71 | 0.3477 | 2.09 | 2.09 | 10.34 | 17.33 | 0.4453 | -- | 8.48 | 947,845.50 | 8.99 | 11.66 | 11.12 | 15.11 | 88.21 | 80.06 | 20.18 | 23.02 | -- | -- | 0.0009 | -- | 18.59 | -7.93 | -23.94 | 6.49 | -28.16 | -- |
| Regional Management Corp | 645.60m | 44.41m | 330.28m | 2.13k | 7.78 | 0.8853 | 7.64 | 0.5116 | 4.44 | 4.44 | 64.65 | 39.05 | 0.3218 | -- | -- | -- | 2.21 | 2.84 | 2.31 | 3.43 | -- | -- | 6.88 | 8.88 | -- | 1.68 | 0.8149 | 23.15 | 9.70 | 11.54 | 7.73 | 10.69 | -- | 43.10 |
| LexinFintech Holdings Ltd - ADR | 1.99bn | 264.29m | 464.41m | 4.67k | 1.86 | 0.2713 | -- | 0.233 | 1.48 | 1.48 | 11.18 | 10.17 | 0.604 | 253.77 | 2.51 | 427,047.10 | 8.01 | 5.48 | 14.96 | 11.56 | 36.02 | 36.50 | 13.26 | 9.84 | 1.80 | -- | 0.2869 | 5.07 | 8.78 | 6.02 | 3.24 | -13.67 | 37.72 | -- |
| Better Home & Finance Holding Co | 181.26m | -185.18m | 492.25m | 1.25k | -- | 11.50 | -- | 2.72 | -12.20 | -12.20 | 11.93 | 2.73 | 0.1626 | -- | 7.22 | 145,005.60 | -16.61 | -- | -28.96 | -- | 80.30 | 31.63 | -102.16 | -61.85 | -- | -- | 0.9674 | -- | 25.05 | 5.96 | 61.54 | -- | -5.63 | -- |
Data as of Feb 13 2026. Currency figures normalised to Regional Management Corp's reporting currency: US Dollar USD
53.21%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Forager Capital Management LLCas of 13 Jan 2026 | 1.02m | 10.49% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 897.29k | 9.24% |
| Basswood Capital Management LLCas of 31 Dec 2025 | 856.64k | 8.82% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 668.13k | 6.88% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 399.64k | 4.12% |
| LSV Asset Managementas of 31 Dec 2025 | 338.83k | 3.49% |
| Tieton Capital Management LLCas of 31 Dec 2025 | 304.70k | 3.14% |
| Renaissance Technologies LLCas of 31 Dec 2025 | 243.14k | 2.50% |
| American Century Investment Management, Inc.as of 31 Dec 2025 | 235.80k | 2.43% |
| Geode Capital Management LLCas of 31 Dec 2025 | 204.49k | 2.11% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
