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RM

Regional ManagementC
NYSE / Financial Services
Last Price
At close
2026-06-02
View Chart
Current thesis
Primary-source evidence supports a cautious positive view: receivables grew 11.3% year over year, auto-secured lending is scaling, operating expense ratio improved to 12.2%, and management paired the print with buybacks, a dividend, and funding amendments. With book value per share at $40.25 and the packet showing a $50 median target despite unavailable target-count detail, the stock can look inexpensive if credit stays contained.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -9.5.
What can break
Allowance sensitivity remains meaningful: the 10-Q says a 10% heavier weighting toward slower near-term growth would have increased reserves by $1.8 million as of March 31, 2026.
Momentum
40
Value
62
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $40.00 · Bull $46.00 · Bear $28.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-02 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-07 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $50.00
Why
Momentum40 · Δ7d +4.8
Value62 · Δ7d -9.5
Sentiment58 · Δ7d -0.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
40
34% active weight
Current posture
7d trendImproving
Δ7d
+4.8
Δ21d
-13.8
Value
62
32% active weight
Current posture
7d trendSoftening
Δ7d
-9.5
Δ21d
-0.5
Sentiment
58
33% active weight
Current posture
7d trendFlat
Δ7d
-0.9
Δ21d
+1.1
Why this grade

Composite grade C. Momentum 40.2 / Value 61.8 / Sentiment 58.3

Fundamentals (TTM)
As of 2026-06-02
Market Cap
$327.63M
Beta
1.06
Shares Out
9.71M
P/E (TTM)
9.7
P/S (TTM)
0.61
P/FCF (TTM)
1.46
Rev YoY
+13.1%
EPS YoY
+86.5%
Gross Margin
-
Op Margin
+21.6%
Net Debt
$1.47B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology