RM Regional Management Corp. Common Stock

NYSE · Financial Services
$37,47
Harga · Mei 1, 2026
Fundamental per Feb 20, 2026

RM Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga
$37.47
Kapitalisasi Pasar
$370M
P/E (TTM)
8.7
EPS (TTM)
$4.45
Pendapatan (TTM)
$646M
Imbal Hasil Dividen
ROE
12.1%
D/E Utang/Ekuitas
Rentang 52M
$26 – $46

RM Grafik Harga Saham Daily OHLCV with technical indicators — pan, zoom, and customize your view

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih $646M
9-point trend, +137.0%
2017-12-31 2025-12-31
EPS $4.45
9-point trend, +75.2%
2017-12-31 2025-12-31
Arus Kas Bebas $304M
8-point trend, +175.0%
2017-12-31 2025-12-31
Margin 6.9%

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik
Tren 5 Tahun
RM
Median Rekan
P/E (TTM)
5-point trend, +26.2%
8.7
13.4
P/S (TTM)
5-point trend, -34.3%
0.6
1.2
P/B
5-point trend, -17.3%
1.0
1.5
Price / FCF (Harga / FCF)
5-point trend, -37.3%
1.2

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik
Tren 5 Tahun
RM
Median Rekan
Net Profit Margin (Margin Laba Bersih)
5-point trend, -3.8%
6.9%
5.6%
ROA
5-point trend, -6.4%
2.2%
2.5%
ROE
5-point trend, +22.9%
12.1%
13.0%

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik
Tren 5 Tahun
RM
Median Rekan

Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T

Metrik
Tren 5 Tahun
RM
Median Rekan
Revenue YoY (Pendapatan YoY)
5-point trend, +50.7%
9.7%
Revenue CAGR 3Y (CAGR Pendapatan 3T)
5-point trend, +50.7%
8.4%
Revenue CAGR 5Y (CAGR Pendapatan 5T)
5-point trend, +50.7%
11.5%
EPS YoY
5-point trend, -46.6%
7.5%
Net Income YoY (Laba Bersih YoY)
5-point trend, -49.9%
7.7%

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik
Tren 5 Tahun
RM
Median Rekan
EPS (Diluted)
5-point trend, -46.6%
$4.45

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik
Tren 5 Tahun
RM
Median Rekan

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

Imbal Hasil Dividen
Rasio Pembayaran Dividen
CAGR Dividen 5T
Tanggal ex-dividenJumlah
19 Feb. 2026$0,3000
25 Nov. 2025$0,3000
20 Agu 2025$0,3000
21 Mei 2025$0,3000
20 Feb. 2025$0,3000
21 Nov. 2024$0,3000
21 Agu 2024$0,3000
21 Mei 2024$0,3000
21 Feb. 2024$0,3000
21 Nov. 2023$0,3000
22 Agu 2023$0,3000
23 Mei 2023$0,3000
21 Feb. 2023$0,3000
22 Nov. 2022$0,3000
23 Agu 2022$0,3000
24 Mei 2022$0,3000
22 Feb. 2022$0,3000
23 Nov. 2021$0,2500
24 Agu 2021$0,2500
25 Mei 2021$0,2500

RM Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

BELI 12 analis
  • Beli Kuat 5 41,7%
  • Beli 4 33,3%
  • Tahan 3 25,0%
  • Jual 0 0,0%
  • Jual Kuat 0 0,0%

Target Harga 12 Bulan

2 analis · 2026-05-01
Target median $47.00 +25,4%
Target rata-rata $47.00 +25,4%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata
0.07%
Periode EPS Aktual EPS Estimasi Kejutan
31 Maret 2026 $1.18 $1.00 0.18%
31 Des. 2025 $1.30 $1.32 -0.02%
30 Sep. 2025 $1.42 $1.48 -0.06%
30 Juni 2025 $1.03 $0.75 0.28%
31 Maret 2025 $0.70 $0.76 -0.06%

Perbandingan Sejawat Metrik utama vs rekan sektor

Ticker Kapitalisasi Pasar P/E Pendapatan YoY Margin Bersih ROE Margin Kotor
RM $370M 8.7 9.7% 6.9% 12.1%
OPFI 10.6 57.7%
NRDS $966M 21.2 21.7% 5.8% 12.7%
GDOT $712M 20.7% -4.8% -10.9%
WRLD $680M 7.8 -1.5% 15.9% 20.7%
TREE $731M 4.9 24.1% 13.5% 74.7% 31.5%
OPRT $235M 10.0 -4.5% 2.6% 6.6%
MFIN
CPSS $204M 11.7 10.4% 4.5% 12.5%
DFDV

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

Laporan Laba Rugi 13
Data Laporan Laba Rugi Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue 12-point trend, +215.4% $646M $589M $551M $507M $428M $374M $356M $307M $272M $241M $217M $205M
SG&A Expense 12-point trend, +166.2% $258M $248M $243M $223M $196M $176M $157M $140M $131M $119M $116M $97M
Operating Expenses · · · · · · · · · · · $181M
Interest Expense 8-point trend, +109.7% · · · · $31M $38M $40M $33M $24M $20M $16M $15M
Interest Income 12-point trend, +190.9% $538M $491M $455M $417M $383M $335M $321M $280M $249M $221M $196M $185M
Pretax Income 12-point trend, +141.4% $58M $54M $21M $65M $112M $36M $59M $46M $40M $39M $38M $24M
Income Tax 12-point trend, +46.3% $13M $13M $5M $14M $24M $9M $14M $11M $10M $15M $15M $9M
Net Income 12-point trend, +200.0% $44M $41M $16M $51M $89M $27M $45M $35M $30M $24M $23M $15M
EPS (Basic) 12-point trend, +302.6% $4.71 $4.28 $1.70 $5.51 $8.84 $2.45 $3.92 $3.03 $2.59 $2.03 $1.82 $1.17
EPS (Diluted) 12-point trend, +290.4% $4.45 $4.14 $1.66 $5.30 $8.33 $2.40 $3.80 $2.93 $2.54 $1.99 $1.79 $1.14
Shares (Basic) 12-point trend, -25.8% 9,428,000 9,640,000 9,398,000 9,296,000 10,034,000 10,930,000 11,401,000 11,655,000 11,551,000 11,824,000 12,849,000 12,701,000
Shares (Diluted) 12-point trend, -22.9% 9,984,000 9,957,000 9,593,000 9,656,000 10,643,000 11,145,000 11,773,000 12,078,000 11,783,000 12,085,000 13,074,000 12,951,000
EBITDA 11-point trend, +328.7% $16M $14M · $13M $12M $13M $11M $9M $7M $6M $4M $4M
Neraca 17
Data Neraca Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, -4.7% $4M $4M $5M $4M $11M $8M $2M $4M $5M $4M $8M $4M
PP&E (Net) 12-point trend, +47.7% $13M $14M $14M $15M $13M $14M $15M $14M $12M $12M $9M $9M
PP&E (Gross) 12-point trend, +111.7% $48M $46M $44M $42M $38M $38M $37M $34M $29M $28M $23M $23M
Accum. Depreciation 12-point trend, +153.4% $35M $33M $30M $28M $25M $24M $22M $20M $17M $17M $14M $14M
Goodwill Flat — no change across 9 periods · · · $716.0K $716.0K $716.0K $716.0K $716.0K $716.0K $716.0K $716.0K $716.0K
Intangibles 12-point trend, +3652.2% $32M $25M $16M $12M $9M $8M $9M $9M $10M $6M $2M $847.0K
Total Assets 12-point trend, +296.8% $2.10B $1.91B $1.79B $1.72B $1.46B $1.10B $1.16B $956M $829M $712M $626M $530M
Deferred Tax 3-point trend, -32.6% $3M · · · · · · $747.0K $5M · · ·
Total Liabilities 12-point trend, +391.8% $1.73B $1.55B $1.47B $1.42B $1.18B $832M $856M $677M $590M $505M $421M $352M
Long-term Debt 12-point trend, +381.0% $1.64B $1.47B $1.40B $1.35B $1.10B $762M $799M $651M $567M $490M $408M $341M
Common Stock 12-point trend, +19.0% $2M $1M $1M $1M $1M $1M $1M $1M $1M $1M $1M $1M
Retained Earnings 12-point trend, +349.4% $411M $378M $350M $346M $306M $227M $249M $204M $169M $139M $115M $91M
Treasury Stock 10-point trend, +609.9% $178M $154M $150M $150M $130M $62M $50M $25M $25M $25M · ·
AOCI 4-point trend, +99.7% $-2.0K $62.0K $-372.0K $-586.0K · · · · · · · ·
Stockholders' Equity 12-point trend, +109.2% $373M $357M $322M $309M $283M $272M $303M $279M $239M $207M $205M $178M
Liabilities + Equity 12-point trend, +296.8% $2.10B $1.91B $1.79B $1.72B $1.46B $1.10B $1.16B $956M $829M $712M $626M $530M
Shares Outstanding 12-point trend, -25.1% 9,554,000 10,010,000 9,759,000 9,523,000 9,788,000 10,932,000 11,013,000 11,777,000 11,659,000 11,450,000 12,914,000 12,748,000
Arus Kas 15
Data Arus Kas Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
D&A 12-point trend, +318.5% $16M $14M $15M $13M $12M $13M $11M $9M $7M $6M $4M $4M
Stock-based Comp 12-point trend, +413.3% $12M $11M $12M $11M $7M $6M $5M $5M $4M $4M $4M $2M
Deferred Tax 12-point trend, +378.0% $13M $4M $112.0K $5M $-4M $676.0K $-1M $-4M $5M $2M $-122.0K $-5M
Amort. of Intangibles 12-point trend, +300.0% $6M $4M $4M $3M $2M $2M $2M $2.0K $2M $2M $800.0K $1M
Other Non-cash 11-point trend, +223.7% $224M $198M · $145M $86M $126M $106M $99M $69M $63M $52M $69M
Operating Cash Flow 12-point trend, +260.0% $309M $269M $249M $224M $189M $165M $158M $146M $115M $100M $83M $86M
CapEx 12-point trend, +43.5% $5M $5M $5M $6M $4M $4M $6M $5M $5M $6M $3M $3M
Investing Cash Flow 10-point trend, -195.3% $-471M $-315M $-279M $-447M $-355M $-92M $-269M $-199M $-180M $-160M · ·
Stock Repurchased 7-point trend, -4.2% $24M $4M · $21M $67M $12M $25M · · $25M · ·
Net Stock Activity 7-point trend, +4.2% $-24M $-4M · $-21M $-67M $-12M $-25M · · $-25M · ·
Financing Cash Flow 10-point trend, +130.9% $124M $53M $26M $206M $243M $-58M $117M $81M $74M $54M · ·
Net Change in Cash 12-point trend, -34430.3% $-38M $7M $-3M $-17M $77M $15M $6M $28M $9M $-5M $4M $-109.0K
Taxes Paid 12-point trend, -59.9% $6M $3M $3M $27M $23M $7M $15M $4M $16M $13M $12M $15M
Free Cash Flow 11-point trend, +275.3% $304M $264M · $218M $185M $168M $159M $141M $111M $93M $78M $81M
Levered FCF 8-point trend, +123.7% · · · · $161M $140M $129M $115M $93M $81M $68M $72M
Profitabilitas 5
Data Profitabilitas Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
Net Margin 11-point trend, -4.8% 6.9% 7.0% · 10.1% 20.7% 7.1% 12.6% 11.5% 11.0% 10.0% 10.8% 7.2%
Pretax Margin 11-point trend, -23.4% 8.9% 9.2% · 12.9% 26.3% 9.6% 16.6% 15.0% 14.8% 16.2% 17.5% 11.7%
EBITDA Margin 11-point trend, +36.2% 2.5% 2.4% · 2.5% 2.7% 3.6% 3.0% 2.9% 2.7% 2.7% 1.7% 1.8%
ROA 11-point trend, -20.5% 2.2% 2.2% · 3.2% 6.9% 2.4% 4.2% 4.0% 3.9% 3.6% 4.0% 2.8%
ROE 11-point trend, +38.4% 12.1% 11.6% · 16.6% 31.7% 9.8% 14.9% 12.9% 13.4% 11.7% 12.2% 8.7%
Efisiensi 1
Data Efisiensi Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
Asset Turnover 11-point trend, -16.4% 0.3 0.3 · 0.3 0.3 0.3 0.3 0.3 0.4 0.4 0.4 0.4
Per Saham 6
Data Per Saham Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
Book Value / Share 11-point trend, +179.2% $39.05 $35.67 · $32.41 $28.89 $24.89 $27.49 $23.70 $20.53 $18.12 $15.89 $13.99
Revenue / Share 11-point trend, +309.1% $64.66 $59.10 · $52.53 $40.25 $33.55 $30.21 $25.39 $23.12 $19.90 $16.62 $15.81
Cash Flow / Share 11-point trend, +368.8% $30.96 $27.01 · $23.23 $17.76 $15.49 $14.02 $12.11 $9.80 $8.27 $6.31 $6.60
Cash / Share 11-point trend, +27.1% $0.40 $0.39 · $0.41 $1.07 $0.74 $0.21 $0.31 $0.45 $0.39 $0.59 $0.31
Dividend / Share 6-point trend, +500.0% $1 $1 $1 $1 $1 $0 · · · · · ·
EPS (TTM) 12-point trend, +290.4% $4.45 $4.14 $1.66 $5.30 $8.33 $2.40 $3.80 $2.93 $2.54 $1.99 $1.79 $1.14
Tingkat Pertumbuhan 9
Data Tingkat Pertumbuhan Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, -33.4% 9.7% 6.7% 8.7% 18.4% 14.6% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -39.4% 8.4% 11.2% 13.8% · · · · · · · · ·
Revenue CAGR 5Y 11.5% · · · · · · · · · · ·
EPS YoY 5-point trend, -97.0% 7.5% 149.4% -68.7% -36.4% 247.1% · · · · · · ·
EPS CAGR 3Y 3-point trend, +51.0% -5.7% -20.8% -11.6% · · · · · · · · ·
EPS CAGR 5Y 13.1% · · · · · · · · · · ·
Net Income YoY 5-point trend, -96.7% 7.7% 158.3% -68.8% -42.2% 231.8% · · · · · · ·
Net Income CAGR 3Y 3-point trend, +70.6% -4.7% -22.5% -15.8% · · · · · · · · ·
Net Income CAGR 5Y 10.7% · · · · · · · · · · ·
Valuasi (TTM) 10
Data Valuasi (TTM) Tahunan untuk RM
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +215.4% $646M $589M $551M $507M $428M $374M $356M $307M $272M $241M $217M $205M
Net Income TTM 12-point trend, +200.0% $44M $41M $16M $51M $89M $27M $45M $35M $30M $24M $23M $15M
Market Cap 11-point trend, +83.7% $370M $340M · $267M $562M $326M $331M $283M $307M $301M $200M $202M
P/E 12-point trend, -37.2% 8.7 8.2 15.1 5.3 6.9 12.4 7.9 8.2 10.4 13.2 8.6 13.9
P/S 11-point trend, -41.8% 0.6 0.6 · 0.5 1.3 0.9 0.9 0.9 1.1 1.3 0.9 1.0
P/B 11-point trend, -12.2% 1.0 1.0 · 0.9 2.0 1.2 1.1 1.0 1.3 1.5 1.0 1.1
P / Tangible Book 6-point trend, -12.5% 1.1 1.0 0.8 0.9 2.1 1.2 · · · · · ·
P / Cash Flow 11-point trend, -49.2% 1.2 1.3 · 1.2 3.0 1.9 2.0 1.9 2.7 3.0 2.4 2.4
P / FCF 11-point trend, -51.1% 1.2 1.3 · 1.2 3.0 1.9 2.1 2.0 2.8 3.2 2.6 2.5
Earnings Yield 12-point trend, +59.2% 11.5% 12.2% 6.6% 18.9% 14.5% 8.0% 12.7% 12.2% 9.7% 7.6% 11.6% 7.2%

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi
2025-12-312024-12-312024-03-312023-12-312022-12-31
Pendapatan $646M$589M$551M$507M
Laba Bersih $44M$41M$16M$51M
EPS Dilusian $4.45$4.14$1.66$5.30
Arus Kas
2025-12-312024-12-312024-03-312023-12-312022-12-31
Arus Kas Bebas $304M$264M$218M

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