Added to YB: 2025-07-23
Pitch date: 2025-07-22
RM [bullish]
Regional Management Corp.
+23.02%
current return
Author Info
JRJ Capital Management is investing in and writing about US small caps that don't get much attention. Sign up for the newsletter.
Company Info
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 in the United States.
Market Cap
$364.9M
Pitch Price
$32.58
Price Target
85.00 (+112%)
Dividend
3.19%
EV/EBITDA
11.03
P/E
9.10
EV/Sales
3.24
Sector
Consumer Finance
Category
value
Regional Management Corp. - $RM
RM: Subprime lender at 5.5x 2025 pre-provision EPS; NCOs stabilized with credit card metrics leading consumer loans. Growth runway, cash generative, high sensitivity to economy. PT $34-45 if conditions stable, $65-85 normalized (6-8x $10.7 pre-prov). Watch construction employment in Southern states. Key risks: economy, competition, regulation.
Read full article (3 min)