Regional Management Corp. (RM)
Personal Credit Institutions · Financial Services · $347M
Intrinsic Value (Consensus)
$65.15
Current Price
$37.17
Margin of Safety
+75.3%
75.3% Below Intrinsic Value
Value: $65
Price: $37
Valuation Model Estimates
Current Price: $37.17
DCF (Discounted Cash Flow)
$614.28
Graham Number
$63.25
Earnings Power Value
$43.20
Relative Value (P/E)
$89.00
Dividend Discount Model
$10.67
Consensus Value
$65.15
Model Assumptions
Discount Rate
10.3%
Growth Rate
7.5%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
65
Profitability
18/25
Strength
12/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Very high debt — Debt/Equity ratio is 440% (above 200% is risky)
High free cash flow yield (87.7%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $4.45
- EPS (Forward)
- $4.78
- Book Value
- $39.95
- P/E Ratio
- 20.0
- Forward P/E
- 18.6
- PEG Ratio
- —
- ROE
- 11.9%
- Debt/Equity
- 440%
- Revenue Growth
- 9.7%
- Earnings Growth
- 7.5%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance