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RM

Regional ManagementA
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Receivables grew 9.6%, auto-secured receivables grew 31.8%, revenue increased 6.7%, and operating leverage improved. The Column partnership could become a meaningful earnings and return driver in 2027.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28 · AMC.
What can break
Customer-acquisition competition, lower direct-mail response rates, tighter underwriting, and enhanced fraud controls constrained originations.
Momentum
71
Value
61
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $37.00 · Bull $45.00 · Bear $25.00Analysis 2026-08-03; returns require an exact persisted reference.
Earnings
2026-10-28 · AMC
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $43.83
Why
Momentum71 · Δ7d +13.7
Value61 · Δ7d -0.0
Sentiment61 · Δ7d +3.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-28 · AMC.
  • • Value remains the lead driver in the composite, 7D delta -0.0.

Contradictions & invalidation

  • • Customer-acquisition competition, lower direct-mail response rates, tighter underwriting, and enhanced fraud controls constrained originations.
  • • Product mix shifted toward larger, lower-yielding loans, pressuring revenue and interest-and-fee yields.
  • • Q2 EPS and net income declined year over year, originations weakened, revenue yield fell 110 basis points year over year, and full-year portfolio, net income, and EPS growth guidance was reduced.

Catalyst clock

2026-10-28 · AMC

Q2 results reset the near-term earnings path

Lead driver: Value · See fundamentals
Momentum
71
8% active weight
Current posture
7d trendFlat
Δ7d
+13.7
Δ21d
+41.0
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.2
Sentiment
61
45% active weight
Current posture
7d trendImproving
Δ7d
+3.4
Δ21d
-14.7
Why this grade

Composite grade A. Momentum 70.6 / Value 61.5 / Sentiment 60.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
25%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$37.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$300.21M
Beta
1.06
Shares Out
9.23M
P/E (TTM)
9.7
P/S (TTM)
0.61
P/FCF (TTM)
1.46
Rev YoY
+6.7%
EPS YoY
-17.6%
Gross Margin
+97.3%
Op Margin
+22.5%
Net Debt
$1.59B
Current Ratio
64.04
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data