MARKET WIREYahoo • 3d ago
Regional Management Corp. Q3 2026 Earnings Call SummaryMoby summary of Regional Management Corp.'s Q3 2026 earnings call
Why RM Stock surged +7.76% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $334.5M
INTERACTIVE SCENARIO DECK:
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
61
Q2 (-2Q)Grade C+$34.37-4.7% Next Q
64
Q3 (-1Q)Grade B-$32.74+10.8% Next Q
66
CurrentGrade C+$36.26+2% Hist 90D α
69
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why RM Stock surged +7.76% Today — RQD Quant Desk Flash
Regional Management Corp. (RM) surged +7.76% to $36.26, trading at 44% of its 52-week range ($29.89 – $44.3). Solid steady margins (12% return on capital), mixed timing at 8x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 44% of its 52-week range ($29.89 – $44.3) with RSI-14 at 66.8 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±8.1% around $36.26 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $304.3M annual free cash flow.
Live RM Headlines & Catalysts
CATALYSTBenzinga • 3d ago
Stephens & Co. Maintains Overweight on Regional Management, Raises Price Target to $40Stephens & Co. analyst Kyle Joseph maintains Regional Management (NYSE:RM) with a Overweight and raises the price target from $38.5 to $40.
CATALYSTFintel • 3d ago
Regional Management Corp. Announces Chief Credit Risk Officer Transition, Third Quarter 2026 Results, and $0.30 DividendCATALYSTYahoo • 3d ago
Regional Management Q3 Earnings Call HighlightsRegional Management (NYSE:RM) reported third-quarter 2026 net income of $15.1 million, or $1.61 per diluted share, as record revenue and portfolio growth offset higher credit losses, operating expenses and interest costs
CATALYSTYahoo • 3d ago
Regional Management (RM) Q3 2026 Earnings Call TranscriptRecord revenue and net income growth amid rising credit losses.
MARKET WIRESeekingAlpha • 3d ago
Regional Management Corp. (RM) Q3 2026 Earnings Call TranscriptMARKET WIREYahoo • 3d ago
Regional Management: Q3 Earnings Snapshot(AP) — Regional Management Corp. (RM) on Wednesday reported earnings of $15.
MARKET WIREYahoo • 4d ago
Regional Management Corp. Announces Third Quarter 2026 ResultsGREENVILLE, S.C., October 28, 2026--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the third quarter ended September 30, 2026.
MARKET WIREYahoo • 4d ago
Regional Management Corp. Appoints Elizabeth Canini as Chief Credit Risk OfficerGREENVILLE, S.C., October 28, 2026--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today the appointment of Elizabeth Canini as Chief Credit Risk Officer, effective November 2, 20
MARKET WIREBenzinga • 4d ago
Regional Management Q3 2026 Earnings Call TranscriptRegional Management (NYSE:RM) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga
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
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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
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 0001519401In 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 ENABLEDIs 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 × FREDWhy is RM stock moving today?
Why RM Stock surged +7.76% Today — RQD Quant Desk Flash. Solid steady margins (12% return on capital), mixed timing at 8x P/E—hold if owned, no rush to chase.