What is the 13F Pro Quality Score for RM?

13F Pro ranks Regional Management Corp. (RM) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View RM's current score at https://13fpro.ai/research/RM (free sign-up required for the full ranking).

Where does 13F Pro source RM data?

All Regional Management Corp. fundamentals and ownership data come directly from SEC EDGAR. Regional Management Corp. files with the SEC under CIK 1519401. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is RM in?

Regional Management Corp. (RM) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is RM research updated on 13F Pro?

RM's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Regional Management Corp.(RM)Stock Analysis

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SEC EDGAR: CIK 1519401 RM stock profile & AI dashboard →

13F Pro Quality Score

59.8/100

Rank #894 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

59.4/100

Profitability

58.9/100

Balance Sheet

51.6/100

Earnings Quality

47.4/100

Free Cash Flow

92.2/100

Institutional Flow

79.6/100

Revenue Scale

40.9/100

Dilution Risk

42.6/100

RM Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Regional Management Corp. (RM), a Financials sector company. 13F Pro's AI-powered ranking engine scores RM at 59.8/100 on a 32-signal composite quality model, placing it at rank #894 of 2,879 stocks — the top half of the AI-ranked universe. RM scores in the top quartile across free cash flow (92.2), institutional flow (79.6). Shareholder dilution risk is elevated at 42.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Regional Management Corp. reports quarterly revenue of $167.3M, net income of $11.4M, free cash flow of $79.9M. Top institutional holders of RM by reported 13-F value include BlackRock,, Forager Capital Management,, BASSWOOD CAPITAL MANAGEMENT, L.L.C., based on the most recent SEC filings. RM trades on the NYSE exchange and files with the SEC under CIK 1519401. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RM daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Regional Management Corp. directly from SEC EDGAR. Regional Management Corp.'s 13F Pro composite quality score has ranged between 49 and 69 since 2021, currently 59.8 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

✦

Fun facts about Regional Management Corp.

Quirks, history, and lore behind RM — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · small-cap · listed on the NYSE · headquartered in South Carolina.
2
The Numbers
Serves roughly 500,000 customers across more than 350 branches in roughly a dozen states, with an annual revenue in the low hundreds of millions.
3
The History
Founded in the 1980s in the American South, it built its footprint by targeting everyday working-class borrowers who don't qualify for traditional bank loans.
4
The Secret
Its bread and butter is small personal installment loans — think a few hundred to a few thousand dollars — the kind big banks won't bother writing.
5
The Lore
It competes in the consumer finance niche alongside names like World Acceptance, operating in a space that regulators and consumer advocates keep a very close eye on.
6
The Giveaway
Its two-letter ticker doubles as a very regal abbreviation, but there's nothing royal about its clientele — this Greenville, SC lender specializes in non-prime personal loans for Main Street America.

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Revenue

Q1 2026

$167.3M

Net Income

Q1 2026

$11.4M

Free Cash Flow

Q1 2026

$79.9M

ROIC

Q1 2026

0.8%

D/E Ratio

Q1 2026

4.30

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+9.7% YoY

$645.6MFY 2025

FY22 $507.2MFY23 $551.4MFY24 $588.5MFY25 $645.6M

Net Income

+7.7% YoY

$44.4MFY 2025

FY22 $51.2MFY23 $16.0MFY24 $41.2MFY25 $44.4M

EPS (Diluted)

+7.5% YoY

$4.45FY 2025

FY22 $5.30FY23 $1.66FY24 $4.14FY25 $4.45

Total Assets

+10.2% YoY

$2.10BFY 2025

FY22 $1.72BFY23 $1.79BFY24 $1.91BFY25 $2.10B

Total Debt

+11.6% YoY

$1.64BFY 2025

FY22 $1.35BFY23 $1.40BFY24 $1.47BFY25 $1.64B

Op. Cash Flow

+14.9% YoY

$309.1MFY 2025

FY22 $224.3MFY23 $249.2MFY24 $268.9MFY25 $309.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$645.6M +9.7%	$588.5M +6.7%	$551.4M +8.7%	$507.2M +18.4%	$428.4M +20.4%	$355.7M
Net Income	$44.4M +7.7%	$41.2M +158.3%	$16.0M -68.8%	$51.2M -42.2%	$88.7M +98.3%	$44.7M
EPS (Diluted)	$4.45 +7.5%	$4.14 +149.4%	$1.66 -68.7%	$5.30 -36.4%	$8.33 +119.2%	$3.80
Total Assets	$2.10B +10.2%	$1.91B +6.4%	$1.79B +4.0%	$1.72B +18.2%	$1.46B +26.0%	$1.16B
Total Debt	$1.64B +11.6%	$1.47B +5.5%	$1.40B +3.7%	$1.35B +22.7%	$1.10B +37.4%	$798.6M
Operating Cash Flow	$309.1M +14.9%	$268.9M +7.9%	$249.2M +11.1%	$224.3M +18.7%	$189.0M +19.5%	$158.2M

AI Insight: RM Financial Trends

Revenue grew 9% year-over-year in Q1 2026, but net income declined 36% from the prior-year quarter amid rising debt levels.

• Revenue increased from $153M in Q1 2025 to $167M in Q1 2026, showing 9% year-over-year growth.

• Net income fell from $7M in Q1 2025 to $11M in Q1 2026, but remains volatile quarter-to-quarter.

• Total debt expanded from $1,373M in Q2 2024 to $1,614M in Q1 2026, up 18% over eight quarters.

• Operating cash flow improved from $71M in Q2 2024 to $81M in Q1 2026.

⚠ Debt-to-equity ratio rose from 3.98x in Q2 2024 to 4.29x in Q1 2026, indicating increasing leverage.

⚠ Net income volatility persists with quarterly swings between $7M-$14M over the past four quarters.

AI Insight: RM Ratio Trends

Regional Management delivered strong profitability gains through 2025, with operating margin peaking at 11.5% in Q3 2025 before moderating in recent quarters.

• Operating margin improved from 7.8% in Q2 2024 to 9.6% TTM, despite Q4-Q1 softening.

• ROE strengthened from 9.8% in Q2 2024 to 13.0% TTM, reflecting enhanced profitability.

• ROIC expanded from 2.6% in Q2 2024 to 3.2% TTM, showing improved capital efficiency.

• Debt-to-equity ratio rose from 3.98 in Q2 2024 to 4.30 TTM, indicating increased leverage.

⚠ Operating margin declined from Q3 2025 peak of 11.5% to 8.9% in Q1 2026.

⚠ ROE fell from 15.4% in Q3 2025 to 12.1% in Q1 2026 amid margin compression.

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Available Research

13F Pro tracks comprehensive data for Regional Management Corp. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of RM

BlackRock, Inc.
$36.7M1,136,454 sh
Forager Capital Management, LLC
$32.9M1,019,263 sh
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
$27.3M820,677 sh
DIMENSIONAL FUND ADVISORS LP
$22.3M692,034 sh
EverSource Wealth Advisors, LLC
$19.7M100,830 sh
VANGUARD CAPITAL MANAGEMENT LLC
$11.1M344,842 sh
AMERICAN CENTURY COMPANIES INC
$8.4M260,869 sh
RENAISSANCE TECHNOLOGIES LLC
$7.2M223,233 sh
GEODE CAPITAL MANAGEMENT, LLC
$6.9M212,586 sh
STATE STREET CORP
$5.6M173,982 sh

Fund	Value	Shares
BlackRock, Inc.	$36.7M	1,136,454
Forager Capital Management, LLC	$32.9M	1,019,263
BASSWOOD CAPITAL MANAGEMENT, L.L.C.	$27.3M	820,677
DIMENSIONAL FUND ADVISORS LP	$22.3M	692,034
EverSource Wealth Advisors, LLC	$19.7M	100,830
VANGUARD CAPITAL MANAGEMENT LLC	$11.1M	344,842
AMERICAN CENTURY COMPANIES INC	$8.4M	260,869
RENAISSANCE TECHNOLOGIES LLC	$7.2M	223,233
GEODE CAPITAL MANAGEMENT, LLC	$6.9M	212,586
STATE STREET CORP	$5.6M	173,982

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Is RM a good stock to buy?

13F Pro's AI-powered analysis of Regional Management Corp. (RM) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for RM are available on the RM stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own RM?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling RM. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Regional Management Corp.'s investment landscape.