BTBT (30) CCAP (65) TREE (63) HTT (41) ⌘ Pro Terminal →

Regional Management Corp. (RM) — RQD Stock Rating Cockpit

$36.26 +7.76% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.70

Regional Management Corp. (RM) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $334.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $36.70 (+1.21%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 47.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RM)Realized 20D OHLCV Swing Band: ±8.1%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY RM SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 47.1% FCF Margin ($304.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 44% of 52W Range • RSI-14 at 66.8 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$33.51+2.6% Next Q

Q2 (-2Q)

Grade C+$34.37-4.7% Next Q

Q3 (-1Q)

Grade B-$32.74+10.8% Next Q

Current

Grade C+$36.26+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, RM faces multiple-compression risk if 7.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.82) or 200D SMA ($35.29) invalidates the momentum regime and cuts Target Base ($38.05) toward Bear Floor ($29.68).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RM• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

66.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE44% OF RANGE

L: $30$36.26H: $44

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on RM

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

11.9% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

26/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like RM

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RM Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -2.92%▲ RESISTANCE BREAKOUT

2026-10-30O $36.13H $36.64L $35.32C $36.26VOL 100.8K

RES: $35.10SUP: $29.44SMA50: $32.82SMA200: $35.29

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RM Butterfly Map → + Track RM →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-6.7%/yr Implied 5Y Growth

vs. +9.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RM)

Financials Rank #194 of 1096 ⚔️ BTBT vs RM Full Matrix →

1. Head-to-Head Financials Peer Comparison (RM vs. BTBT, CCAP, TREE, HTT)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Regional Management Corp. (RM) ranks #194 by composite RQD confidence (69/100, grade C+) and #790 by equity capitalization ($334.5M). Within this direct 5-issuer industry benchmark cohort, RM leads on earnings valuation at 7.5x trailing P/E, while RM leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. RM currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RM ACTIVE Regional Management Corp.	C+	69/100	7.5x	—	11.9%	+7.76%	$334.5M	Benchmark Subject
BTBT Bit Digital Inc.	E	30/100	—	—	-12.0%	-3.31%	$336.5M	/btbt-vs-rm →
CCAP Crescent Capital BDC Inc.	C	65/100	9.9x	—	-11.1%	+3.22%	$342.7M	/ccap-vs-rm →
TREE LendingTree Inc.	C	63/100	—	—	8.6%	+5.69%	$393.5M	/tree-vs-rm →
HTT High Templar Tech Limited each representing one Class A ordinary share	D-	41/100	—	—	-5.2%	-3.19%	$282.6M	/htt-vs-rm →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001519401

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Regional Management Corp. (RM) reported GAAP revenue of $645.6M (+9.7% vs. FY2024 revenue of $588.5M , and +17.1% cumulative change since FY2023) , GAAP net income of $44.4M, operating cash flow of $309.1M, and free cash flow of $304.3M (+15.3% YoY). On the balance sheet, RM closed FY2025 with $2.10B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$645.6M	$44.4M	$309.1M	$304.3M	$2.10B	—
FY2024 (FY)	2024-12-31	$588.5M	$41.2M	$268.9M	$263.9M	$1.91B	—
FY2023 (FY)	2023-12-31	$551.4M	$16.0M	$249.2M	$249.2M	—	—

3. RM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Regional Management Corp. (NYSE: RM) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $36.26 (+7.76% 1D, market cap $334.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, RM ranks #194 in composite RQD confidence.

How does RM compare to BTBT and CCAP in the Financials sector?

Within the Financials sector (Finance: Consumer Services), RM carries a Roarable C+ (69/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 11.9%. By comparison, BTBT (Bit Digital Inc.) holds a E grade (30/100 RQD, P/E N/A, ROIC -12.0%, cap $336.5M) and CCAP (Crescent Capital BDC Inc.) posts a C grade (65/100 RQD, P/E 9.9x, ROIC -11.1%, cap $342.7M). Among the 5-stock peer group, RM leads on earnings multiple (7.5x) while RM leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RM?

Per RM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001519401), Regional Management Corp. generated $645.6M in revenue (+9.7% YoY), $44.4M in net income, and $304.3M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RM trading relative to its 50-day, 200-day, and 52-week technical levels?

RM last traded at $36.26 (+7.76% on volume of 178,378 shares), positioning the stock +10.48% above its 50-day simple moving average ($32.82) and +2.75% above its 200-day simple moving average ($35.29). Across its 52-week range of $29.89 to $44.30, RM sits at the 44.2% percentile with a 14-day RSI of 66.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.1% ($33.32 to $39.20).

RM Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell RM stock right now?

Regional Management Corp. (RM) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (12% return on capital), mixed timing at 8x P/E—hold if owned, no rush to chase.

What is RM's 12-month price target and RQD AI Jury consensus?

RM's 12-month base price target is $38.05 (range $29.68 to $46.52), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: RM RQD Cockpit RM 12M Forecast RM Earnings & Move RM Dividends & DRIP RM Insiders & 13F RM Whale Options RM Profit Sankey RM News & Why