ValueScreener company report

Regional Management Corp. (RM)

Name: Regional Management Corp. (RM) filed financial figures
Creator: ValueScreener

NYSE / Financial Services / Financial - Credit Services

Share price

34.37 USD Market dataClose of Oct 16, 2026

Market capitalisation

317.1M USD Market dataClose of Oct 16, 2026

Market data: Oct 16, 2026
Filed accounts: FY2025, filed Feb 20, 2026
Ratios computed: Oct 16, 2026
Filed years: 15, FY2010 to FY2025

Four kinds of sourceSEC filingCompany statementMarket dataComputedWhat each means

SEC filingFiled with the SEC: Read from a statement the company filed with the SEC, with the form, fiscal year, filing date and accession beside it.
Company statementCompany statement: What the company says about itself in a filing: an 8-K item, the auditor, its own segment names.
Market dataMarket data: Prices, market value and what analysts publish, with the date they are as of.
ComputedComputed by ValueScreener: Worked out by us from the other three, with the inputs and the formula one press away. A score is a research output, not a rating or a recommendation.

Reading

1 of 10

Overview

What the business is, what it costs, and how it reads on four questions.

Market dataSEC filingComputed

Quality

Return on equity

11.9% Computed

From the FY2025 filing

Read quality

Financial strength

Debt to equity

n/a Computed

From the FY2025 filing

Why n/a

The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.

Read financial strength

Valuation

Price to earnings

7.30x Computed

FY2025 accounts, priced at the latest close

Read valuation

Cash generation

Free cash flow yield

88.7% Computed

FY2025 accounts, priced at the latest close

Read cash generation

Revenue and net income, as filed

Revenue Net income10 filed fiscal years, from the annual reports; the table in Filings names each document.

Named tests met: 6 of 30 Which tests

The business, and the score behind its five axes

The reading, in brief

Is it cheap

Price to earnings is 7.30x at the close of 2026-10-16 on FY2025 figures; the lines are 15.00x (Graham's defensive ceiling) and, by market convention, 10.00x, 25.00x and 40.00x, and this sits below the lowest.

Today, against the Financial - Credit Services industry (43 companies), 7.30x sits at the 29th percentile; the middle half of that group runs from 6.50x to 19.58x.

Is it good

Return on equity was 11.9% in FY2025, in the band labelled "Ordinary" (8.0% to 15.0%), on lines anchored on Damodaran's cost-of-capital data.

Today, against the Financial - Credit Services industry (53 companies), 11.9% sits at the 52nd percentile; the middle half of that group runs from 5.5% to 21.2%.

Year by year against peers: Whether Regional Management Corp.'s free cash flow margin stayed above the median of the Financial - Credit Services industry, year by year. (FY2016 to FY2025, 10 fiscal years of Regional Management Corp. with a comparable figure)
The direction: Which way Regional Management Corp.'s return on equity has moved, and how steadily. (FY2016 to FY2025, 10 filed years of Regional Management Corp.)
What could explain it: What in Regional Management Corp.'s filed statements could explain the movements. (5 readings drawn from the statement lines Regional Management Corp. filed)
What to check next: What to check next on Regional Management Corp., and where in its filings. (2 questions for Regional Management Corp.)
In one paragraph: One paragraph on Regional Management Corp.'s returns, cash, balance sheet and price. (8 of sixteen figures read for Regional Management Corp.)

These are RM’s filed figures. The research desk says what they mean, against peers and its own years, with what to check next.

Research RMPart of Serious. New accounts start with 30 days of Professional, free, no card.

2 of 10

What changed

The newest filing, what it moved, and when the next one is due.

SEC filingCompany statement

The newest accounts on file are the FY2025 annual report: 10-K, filed Feb 20, 2026, accession 0001193125-26-061549.

3 of 10

Quality

The returns the business earns on its capital, and the margins behind them.

SEC filingComputed

Regional Management Corp: returns on capital and margins, each with its source
Figure	Value, source and document
Return on invested capital, after tax Why n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Return on equity	11.9% ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Return on capital employed, pre-tax Why n/a We do not hold this figure for this company, so there is nothing to show.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Return on assets	2.1% ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Gross margin Why n/a Our archived statements for this filer carry no gross profit line, so there is nothing to compute a gross margin from and trace back to source. That may be because the filer presents no cost of revenue, or because we have not captured the concept. We do not guess which.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Operating margin Why n/a No operating income line is filed for this year.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Net margin	6.9% ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549

RM 6.9%

-4.8%1729.9%

Net margin: RM against the 5 companies named under Valuation context, each as filed for its own latest year. Placement only: no average is drawn.

4 of 10

Financial strength

What it owes against what it owns, and whether it can meet what falls due.

SEC filingComputedCompany statement

Regional Management Corp: leverage, liquidity and distress, each with its source
Figure	Value, source and document
Debt to equity Why n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Current ratio Why n/a Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Quick ratio Why n/a Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Interest coverage Why n/a No operating income line is filed for this year.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Altman Z-score Why n/m Altman's Z-Score was estimated on manufacturers and explicitly excludes financial firms. A financial company scores in the distress zone by construction, so the number would be wrong rather than alarming. Not applicable to financials.	n/m ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Net debt Why n/a The FY2025 balance sheet carries no net debt we could read.	n/a ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549

Total assets Total liabilities Shareholders’ equity

The balance sheet, line by line

Financial health

What Regional Management Corp owned and owed at the end of fiscal 2025, from the balance sheet it filed (10-K, filed Feb 20, 2026, 0001193125-26-061549).

Regional Management Corp: balance sheet position
Total assets	2.10B FiledFY2025 10-K, filed Feb 20, 2026
Total liabilities	1.73B FiledFY2025 10-K, filed Feb 20, 2026
Shareholders' equity	373.1M FiledFY2025 10-K, filed Feb 20, 2026
Cash	98.0M FiledFY2025 10-K, filed Feb 20, 2026
Total debt	n/a FiledFY2025 10-K, filed Feb 20, 2026
Net debt	n/a
Current ratio	n/a
Debt to equity	n/a

Debt to equity: FY2025: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
Current ratio: FY2025: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
Interest cover: FY2025: No operating income line is filed for this year.

Read from the filed balance sheet for each year, with the income statement of the same year supplying operating profit where a ratio needs it. Nothing here is a view on whether this company is sound.

5 of 10

Valuation context

What the market charges for it, against its own record and companies like it.

Market dataSEC filingComputed

Regional Management Corp: what the market charges, each with its source
Figure	Value, source and document
Price to earnings	7.30x ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
P/E on trailing twelve months	7.24x ComputedClose of Oct 16, 2026 · Trailing four quarters, each as known on the day; the quarterly filings are listed under Filings
Price to book	0.92x ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Price to sales	0.53x ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Enterprise value to EBIT Why n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.	n/a ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Enterprise value to EBITDA Why n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.	n/a ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Price to earnings over growth	0.52 ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Diluted earnings per share	4.45 USD FiledFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Graham number	62.93 USD ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549

We publish no fair value or price target of our own. Value RM on your own assumptions in the DCF workbench, starting from the filed figures.

Its own record, and companies like it

Valuation

What the market charges for Regional Management Corp today, and the multiples it has carried. No value of ours: the figures are the filings’ and the market’s.

Regional Management Corp: valuation
Share price	34.37 USD
Market capitalisation	317.1M USD
Enterprise value to EBITDA	n/a
Graham number	62.93 USD
Diluted earnings per share, FY2025	4.45 USD

Price to earnings on trailing twelve months, a different basis from the fiscal-year P/E above, since Oct 3, 2016: low 2.74x, median 9.16x, high 17.88x, latest 7.24x. 2,524 trading days with a meaningful ratio. Each close over the trailing twelve months of earnings as known that day: a quarter counts from the day it was filed.

Companies like Regional Management Corp

Same industry (Financial - Credit Services) and size band (Small, 300M to 2B), nearest in market value and net margin. Each of those counts equally, by how many of the companies considered sit between the two on it. Closest first: the order is likeness and nothing else.

6 of 10

Cash generation

Whether profit arrives as cash, and what is paid back to shareholders.

SEC filingComputed

Regional Management Corp: cash generation and what is paid out, each with its source
Figure	Value, source and document
Free cash flow yield	88.7% ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Free cash flow	304.3M USD ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Free cash flow margin	47.1% ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Dividend yield	3.5% ComputedClose of Oct 16, 2026 · FY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Payout ratio	25.9% ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549

Free cash flow Net incomeProfit that arrives as cash stands level with net income; a gap year after year is worth reading about.

7 of 10

Filings

Every figure, the year it is for and the document it was read from.

SEC filingMarket data

The filed figures

Computed from the accounts this company filed with the SEC and, in a ratio with a price in it, the last close, dated on this page. Every filed figure below carries the fiscal year and the filing date its accounts were read from, and every blank carries the reason it is blank. Nothing here is a view on this company.

Regional Management Corp.: the eight ratios, with the fiscal year and filing date behind each.
Figure	Value	Year	As of
	7.30x	FY2025	Oct 16, 2026
FormulaShare price / earnings per share. Where the filing states no earnings per share this listing can be priced on, which is every 20-F and 40-F filer because theirs is stated per ordinary share, it is market capitalisation / net income: the same multiple, undiluted. As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	0.92x	FY2025	Oct 16, 2026
FormulaMarket capitalisation / shareholders equity As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	n/a	FY2025	Oct 16, 2026
n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
Formula(Market capitalisation + total debt - cash) / operating income, or over the filing's own EBIT (income before tax + interest expense) where the filer tags no operating line, as Johnson & Johnson does not in any of its ten filed years. As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tabForm10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	88.7%	FY2025	Oct 16, 2026
FormulaFree cash flow per share / share price x 100 As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itCash flow statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	n/a	FY2025	Feb 20, 2026
n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
FormulaVendor trailing-twelve-month return on invested capital where one is published, which uses after-tax operating profit over total assets less current liabilities. Otherwise our own recompute: NOPAT / (shareholders equity + total debt - cash) x 100, where NOPAT is the filed operating profit after tax, or the filing's own EBIT after tax where the filer tags no operating line. As ofThe filing date of the statements below, for FY2025. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tabForm10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	3.5%	FY2025	Oct 16, 2026
FormulaCommon dividends paid in the latest filed year / market capitalisation x 100. n/a where the filing cannot support it: a special or first-year payment, a total that mixes preferred dividends, or a cash-flow statement over 15 months old. As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itCash flow statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	n/a	FY2025	Feb 20, 2026
n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
FormulaTotal debt / shareholders equity As ofThe filing date of the statements below, for FY2025. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	n/a	FY2025	Feb 20, 2026
n/a Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
FormulaCurrent assets / current liabilities As ofThe filing date of the statements below, for FY2025. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	0.53x	FY2025	Oct 16, 2026
FormulaMarket capitalisation / revenue As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	0.52	FY2025	Oct 16, 2026
FormulaPrice to earnings / the annual earnings growth rate, in percentage points As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	n/m	FY2025	Oct 16, 2026
n/m Not meaningful for this company, such as a P/E on negative earnings or a bank's EV/EBIT.
Formula1.2 x working capital/assets + 1.4 x retained earnings/assets + 3.3 x EBIT/assets + 0.6 x market value of equity/total liabilities + 1.0 x revenue/assets As ofThe close on Oct 16, 2026, over the filed figures of FY2025: a price is in this figure, and it moved after the filing. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tabForm10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	-2.35	FY2025	Feb 20, 2026
FormulaAn eight-variable index of year-on-year changes in receivables, gross margin, asset quality, revenue, depreciation, overheads, leverage and accruals As ofThe filing date of the statements below, for FY2025. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tabForm10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tabForm10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itCash flow statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab
	3/9	FY2025	Feb 20, 2026
FormulaOne point each for: positive return on assets, positive operating cash flow, rising return on assets, operating cash flow above net income, falling leverage, rising current ratio, no new shares issued, rising gross margin, rising asset turnover. As ofThe filing date of the statements below, for FY2025. Form10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itIncome statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tabForm10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itBalance sheetFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tabForm10-KFiledFeb 20, 2026PeriodFY2025Accession0001193125-26-061549What we read from itCash flow statementFY2025Open on SEC.gov, accession 0001193125-26-061549, leaves this page and opens in a new tab

The figures are computed from the accounts for fiscal 2025, the newest full year on file. 15 filed fiscal years on record, FY2010 to FY2025, from SEC EDGAR. Prices as of Oct 16, 2026. Ratios recomputed Oct 16, 2026. Two facts, because a recompute is not a fresh quote.

The year and the filing date name the statement each figure’s accounts are read from, and they stand even where the figure itself could not be computed: the line beneath a blank says what that statement did not carry. A figure’s name opens its formula and the filings behind it; a statement that names no SEC filing has no filing date, and reads n/a.

Ten years of filed figures, year by year

Ten years of filed figures

10 filed fiscal years, FY2016 to FY2025, read from the annual reports Regional Management Corp filed with the SEC. Each year names its filing. Amounts in USD, as filed.

Regional Management Corp: revenue, earnings, free cash flow and returns, by fiscal year, with the filing each year was read from
Year	Revenue	Operating income	Net income	EPS, diluted	Free cash flow	Operating margin	Return on equity	Filing
FY2025	645.6M	n/a	44.4M	4.45	304.3M	n/a	11.9%	10-K, Feb 20, 20260001193125-26-061549
FY2024	588.5M	n/a	41.2M	4.14	263.9M	n/a	11.6%	10-K, Feb 21, 20250000950170-25-024903
FY2023	551.4M	n/a	16.0M	1.66	244.5M	n/a	5.0%	10-K, Feb 22, 20240000950170-24-018892
FY2022	507.2M	n/a	51.2M	5.30	218.5M	n/a	16.6%	10-K, Feb 24, 20230001564590-23-002442
FY2021	428.4M	143.8M	88.7M	8.33	185.4M	n/a	31.4%	10-K, Mar 4, 20220001564590-22-008810
FY2020	373.9M	73.8M	26.7M	2.40	161.0M	n/a	9.8%	10-K, Feb 25, 20210001564590-21-008906
FY2019	355.7M	99.1M	44.7M	3.80	152.4M	n/a	14.8%	10-K, Mar 16, 20200001193125-20-073232
FY2018	306.7M	79.4M	35.3M	2.93	140.9M	n/a	12.7%	10-K, Mar 8, 20190001193125-19-069241
FY2017	272.5M	64.2M	30.0M	2.54	110.7M	n/a	12.5%	10-K, Feb 23, 20180001193125-18-056059
FY2016	240.5M	58.9M	24.0M	1.99	93.8M	n/a	11.6%	10-K, Feb 10, 20170001193125-17-038556

Revenue, compound annual growth FY2016 to FY2025: 11.6%
Earnings, compound annual growth FY2016 to FY2025: 7.1%
Earnings per share, compound annual growth FY2016 to FY2025: 9.4%
Free cash flow, compound annual growth FY2016 to FY2025: 14.0%

Every figure in this section is a line of a filed annual statement or a ratio of two of them. Nothing here is estimated or smoothed. Earnings per share filed before a share split are put on today's share count, and say so. Nothing here is a verdict on the company.

8 of 10

Risks and guardrails

The accounting screens, the published tests, and the lines you can set to be told.

ComputedCompany statement

Regional Management Corp: accounting screens and published tests, each with its source
Figure	Value, source and document
Beneish M-score	-2.35 ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Piotroski F-score	3/9 ComputedFY2025 10-K, filed Feb 20, 2026, 0001193125-26-061549
Named tests met	6 of 30 Computed
Beta	1.01 ComputedClose of Oct 16, 2026

The named tests

Of 30 tests value investors published: 6 met, 15 not met, 9 we could not complete. Counts, never a score: a single figure would have to decide that meeting one investor’s criteria and meeting another’s are worth the same.

Which tests, by name(all 30)

Meets: P/E times P/B (Benjamin Graham); Owner earnings yield; Low P/S, rising earnings (James O'Shaughnessy); Cash-covered dividend; Cheapest quarter on P/E (David Dreman); Low P/E, growth, yield (John Neff)
Does not: Deep value; Large cap, low P/E; High F-score, low P/B (Joseph Piotroski); Three forensic scores; Low PEG, low debt (Peter Lynch); High returns and growth; Gross margin, turnover (Robert Novy-Marx); Dividends and buybacks; Low beta, profitable; Near the 52-week low; High returns, low debt; High return on tangibles; Tangible book or below; Clean books, high ROIC; Cheapest quarter on P/B (David Dreman)
Not measured: Defensive investor (Benjamin Graham); Earnings yield and ROIC (Joel Greenblatt); EV/EBITDA and coverage; High yield, low payout; ROIC at or above WACC; Z-score and coverage (Edward Altman); Two thirds of NCAV (Benjamin Graham); Book or below, low debt (Walter Schloss); Cash-flow yield and ROIC. A test with a figure we could not read is incomplete, never met and never failed.

Figures we could not read(10)

Current Ratio: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
Debt to Equity: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
EV/EBIT: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
Return on Invested Capital: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
Altman Z-Score: Altman's Z-Score was estimated on manufacturers and explicitly excludes financial firms. A financial company scores in the distress zone by construction, so the number would be wrong rather than alarming. Not applicable to financials.
Gross Margin: Our archived statements for this filer carry no gross profit line, so there is nothing to compute a gross margin from and trace back to source. That may be because the filer presents no cost of revenue, or because we have not captured the concept. We do not guess which.
EV/EBITDA: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
Interest Coverage: No operating income line is filed for this year.
ROIC-WACC Spread: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
Price To Ncav: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.

9 of 10

Declared positions

Whether anybody here owns this company.

Positions declared by Javier Sanz Alvarez: no holding in any company shown here, as of October 3, 2026.

10 of 10

Next step

What to do with what you have read.

Value it in the DCF workbench

A thesis is your reason for owning it, in your words, with the figures that must stay true. Checking those figures every night against the newest filed accounts, and telling you once when one breaks, is what the subscription adds.

What this cannot tell you

10 figures could not be read on this company, among them Current Ratio, Debt to Equity, EV/EBIT. Each blank in the table above names the rest, with its reason. 9 named tests come back incomplete because of them, which is neither met nor missed.

And the one that is true of all of it: This is what the numbers say today. It cannot tell you the day one of them stops being true. Nothing here can, because the reasons are not written down.

Running this once is arithmetic on public documents and you are welcome to it. Writing down why you own each company, in your own words and with the numbers that have to stay true for it to hold, and then having those numbers re-checked every night against the newest filed accounts, and against the latest close where a rule watches a price, is Professional, the plan a new account starts on for 30 days, one trial per person. It writes to you the day one breaks, and stays quiet when nothing does. The check runs every night at 23:30 UTC. A filing is picked up the night after it is published.

Monitor my portfolio How this is computed

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ValueScreener · valuescreener.ai · Computed from accounts filed with the SEC by this company, read from EDGAR, and from dated closing prices. On this page a filed figure opens into its formula, its inputs and the statement, fiscal year and filing date it was read from, and a price into the day of its close. A figure that cannot show that trail says so.

A computation on accounts filed with the SEC, not a recommendation and not advice. Past filings do not indicate future results. Risk disclaimer.

Four questions, at a glance

Quality

Financial strength

Valuation

Cash generation

Revenue and net income, as filed

The reading, in brief

Financial health

Valuation

Companies like Regional Management Corp

The filed figures

Ten years of filed figures

The named tests

What this cannot tell you

Margin Notes