Lumida
/RM
⌘K
Regional Management Corp

Regional Management Corp

RM
$32.99USD+0.73%+0.24 today

MARKET CAP

304.4M

P/E (TTM)

7.4x

FWD P/E

DAY RANGE

$33 – $33

52W RANGE

$30
$46

AI Summary

Stalk
StalkMedium

Price remains in an oversold consolidation near annual lows, granting mean-reversion eligibility and enforcing a bullish medium-term bias. However, short-term momentum is unfavorable as price sits below the 20-day EMA with no exhaustion or reversal signals. Execution is deferred; stalking for pullback acceptance around the pivot support zone near 32.50–32.75 and interaction with the EMAs before participation.

  • Q4 2025 net income $12.9M, +33% YoY underpins profitability
  • Total revenue $170M (+10% YoY) fueled by higher originations
  • Net credit loss rate 12.2%, +30 bps YoY signals credit risk
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$428.4M$507.2M$551.4M$588.5M$645.6M
YoY %+14.6%+18.4%+8.7%+6.7%+9.7%
P / Sales1.4x0.6x0.5x0.6x0.6x
EV / Sales4.2x3.3x3.1x3.2x3.3x
Gross Profit, Adj.$397.0M$473.0M$483.9M$514.0M$560.8M
YoY %+18.1%+19.1%+2.3%+6.2%+9.1%
Margin %92.7%93.3%87.8%87.3%86.9%
EV / Gross Profit4.5x3.6x3.6x3.7x3.8x
EBITDA, Adj.$112.5M$65.3M$20.8M$54.1M$57.8M
YoY %+213.1%-41.9%-68.2%+160.2%+6.8%
Margin %26.3%12.9%3.8%9.2%8.9%
EV / EBITDA15.8x25.9x82.9x34.9x36.6x
EBIT$112.5M$65.3M$20.8M$54.1M$57.8M
YoY %+213.1%-41.9%-68.2%+160.2%+6.8%
Margin %26.3%12.9%3.8%9.2%8.9%
EV / EBIT15.8x25.9x82.9x34.9x36.6x
Net Income$88.7M$51.2M$16.0M$41.2M$44.4M
YoY %+231.8%-42.2%-68.8%+158.3%+7.7%
Net Margin20.7%10.1%2.9%7.0%6.9%
EPS (GAAP)$8.33$5.30$1.66$4.14$4.45
YoY %+247.1%-36.4%-68.7%+149.4%+7.5%