Regional Management Corp. (RM) intrinsic value & 10-year financials
Regional Management Corp. (RM) has a Graham intrinsic value of $94.06 per share. At $34.37 on Oct 17, 2026, the stock trades 63% below that value. Over the last 10 fiscal years revenue grew 11.6% a year to $645.6M, with an average return on invested capital of 3.5%.
- Graham intrinsic value
- $94.06
- Share price (Oct 17, 2026)
- $34.37
- Price vs Graham value
- 63% below
- Market cap
- $343.2M
- Revenue (FY2025)
- $645.6M
- Revenue growth (10-yr CAGR)
- 11.6%
- ROIC (10-yr avg)
- 3.5%
- Free cash flow (FY2025)
- $304.3M
RM 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $645.6M | $44.4M | $4.45 | $304.3M | — | 2.3% |
| FY2024 | $588.5M | $41.2M | $4.14 | $263.9M | — | 2.3% |
| FY2023 | $551.4M | $16.0M | $1.66 | $244.5M | — | 0.9% |
| FY2022 | $507.2M | $51.2M | $5.30 | $218.5M | — | 3.4% |
| FY2021 | $428.4M | $88.7M | $8.33 | $185.4M | — | 7.4% |
| FY2020 | $373.9M | $26.7M | $2.40 | $168.2M | — | 2.5% |
| FY2019 | $355.7M | $44.7M | $3.80 | $159.3M | — | 4.4% |
| FY2018 | $306.7M | $35.3M | $2.93 | $140.9M | — | 4.1% |
| FY2017 | $272.5M | $30.0M | $2.54 | $110.7M | — | 4.0% |
| FY2016 | $240.5M | $24.0M | $1.99 | $93.8M | — | 3.5% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Regional Management Corp. is a consistent compounder, expanding top-line revenue at 11.6% annually over the past decade.
Regional Management Corp. has historically struggled to out-earn its cost of capital, averaging just 3.5% ROIC.
Over the decade, Regional Management Corp. shows that management has aggressively returned capital to shareholders by retiring 17.4% of outstanding shares, and that the company has leveraged its balance sheet to sustain operations.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Regional Management Corp. is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $94.06 per share.