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/company/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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Financials →NYSEsmall

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

13F Pro Quality Score

51.0/100

Rank #1,564 of 2,962 stocks

View Financials peers →

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

Revenue Growth

57.3/100

Profitability

58.4/100

Balance Sheet

55.0/100

Earnings Quality

96.7/100

Free Cash Flow

94.4/100

Institutional Flow

22.1/100

Revenue Scale

42.0/100

Dilution Risk

41.6/100

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Why RM Scores 51/100

exact factor attribution · 2026-09-11

RM's composite is driven by free cash flow and earnings quality, held back by institutional flow and scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+6.7 pts

94th pct

Earnings quality

+4.7 pts

97th pct

Revenue growth

+1.9 pts

57th pct

Profitability

+1.7 pts

58th pct

Earnings growth

+0.7 pts

60th pct

Capital efficiency

+0.7 pts

55th pct

Shareholder dilution

-0.6 pts

42th pct

Scale

-1.6 pts

42th pct

Institutional flow

-1.9 pts

22th pct

Latest change (2026-08-03): 60 → 60 · ↑ Earnings growth 47→69; despite ↓ Revenue growth 59→48

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

RM Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 51.0/100 on a 32-signal composite quality model, placing it at rank #1,564 of 2,962 stocks — the bottom half of the AI-ranked universe. RM scores in the top quartile across earnings quality (96.7), free cash flow (94.4). Areas of concern include institutional flow (22.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 41.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Regional Management Corp. reports quarterly revenue of $168.0M, net income of $8.2M, free cash flow of $79.3M. 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 51.0 — a declining long-term trajectory across 68 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

Q2 2026

$168.0M

Net Income

Q2 2026

$8.2M

Free Cash Flow

Q2 2026

$79.3M

ROIC

Q2 2026

2.1%

D/E Ratio

Q2 2026

4.41

Period

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

Free Cash Flow

+15.3% YoY

$304.3MFY 2025

FY22 $218.5MFY23 $244.5MFY24 $263.9MFY25 $304.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$645.6M +9.7%	$588.5M +6.7%	$551.4M +8.7%	$507.2M +18.4%	$428.4M +14.6%	$373.9M
Net Income	$44.4M +7.7%	$41.2M +158.3%	$16.0M -68.8%	$51.2M -42.2%	$88.7M +231.8%	$26.7M
EPS (Diluted)	$4.45 +7.5%	$4.14 +149.4%	$1.66 -68.7%	$5.30 -36.4%	$8.33 +247.1%	$2.40
Total Assets	$2.10B +10.2%	$1.91B +6.4%	$1.79B +4.0%	$1.72B +18.2%	$1.46B +32.2%	$1.10B
Total Debt	$1.64B +11.6%	$1.47B +5.5%	$1.40B +3.7%	$1.35B +22.7%	$1.10B +43.9%	$762.2M
Operating Cash Flow	$309.1M +14.9%	$268.9M +7.9%	$249.2M +11.1%	$224.3M +18.7%	$189.0M +14.6%	$165.0M
Free Cash Flow	$304.3M +15.3%	$263.9M +7.9%	$244.5M +11.9%	$218.5M +17.8%	$185.4M +15.1%	$161.0M

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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.
$47.5M1,153,246 sh
Forager Capital Management, LLC
$39.1M948,458 sh
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
$35.2M855,425 sh
DIMENSIONAL FUND ADVISORS LP
$28.5M690,610 sh
LSV ASSET MANAGEMENT
$14.1M341,632 sh
VANGUARD CAPITAL MANAGEMENT LLC
$13.8M335,593 sh
Tieton Capital Management, LLC
$13.1M318,259 sh
AMERICAN CENTURY COMPANIES INC
$11.9M289,157 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.3M225,101 sh
RENAISSANCE TECHNOLOGIES LLC
$7.6M185,541 sh

Fund	Value	Shares
BlackRock, Inc.	$47.5M	1,153,246
Forager Capital Management, LLC	$39.1M	948,458
BASSWOOD CAPITAL MANAGEMENT, L.L.C.	$35.2M	855,425
DIMENSIONAL FUND ADVISORS LP	$28.5M	690,610
LSV ASSET MANAGEMENT	$14.1M	341,632
VANGUARD CAPITAL MANAGEMENT LLC	$13.8M	335,593
Tieton Capital Management, LLC	$13.1M	318,259
AMERICAN CENTURY COMPANIES INC	$11.9M	289,157
GEODE CAPITAL MANAGEMENT, LLC	$9.3M	225,101
RENAISSANCE TECHNOLOGIES LLC	$7.6M	185,541

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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. RM is classified as a small company.

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.