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Regional ManagementRM +0.02%75 Cash-to-Debt is 0.07 as of Jun. 2026, which is 600% above its 10-year median of 0.01. GuruFocus rates RM with a GF Score™ of 75/100 and a GF Value™ of $36.37 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 525 Credit Services companies, Regional Management ranks worse than 190476% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Regional Management's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.07.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Regional Managementcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Regional Management's Cash-to-Debt or its related term are showing as below:
During the past 13 years, Regional Management's highest Cash to Debt Ratio was 0.02. The lowest was 0.00. And the median was 0.01.
RM's Cash-to-Debt is not ranked *
in the Credit Services industry.
Industry Median: 0.19 * Ranked among companies with meaningful Cash-to-Debt only.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Regional Management Cash-to-Debt Related Terms
Regional Management Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Regional Management's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Regional Management's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Regional Management Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Regional Management's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Regional Management (RM) has a Cash-to-Debt of 0.07 as of Jun. 2026. This is 600% above median its historical median of 0.01. According to the industry distribution chart, Regional Management ranks #999999 out of 525 companies in the Credit Services industry.
Is Regional Management's Cash-to-Debt too high?
Regional Management's current Cash-to-Debt of 0.07 is 600% above median its 10-year median of 0.01. The Credit Services industry median Cash-to-Debt is 0.19. Regional Management's value of 0.07 is 63.2% below this industry median. Based on the distribution chart, Regional Management ranks #999999 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Regional Management has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Regional Management's Cash-to-Debt compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Regional Management ranks #999999 out of 525 companies for Cash-to-Debt. This places Regional Management in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Regional Management's value of 0.07 is 63.2% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 0.19, Regional Management has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current Cash-to-Debt of 0.07 is 63.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current Cash-to-Debt is 0.07, which is 600% above median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Regional Management stock overvalued right now?
Based on GuruFocus' analysis, Regional Management (RM) is currently considered Modestly Undervalued. The stock's GF Value™ is $36.37, compared to a current price of $31.51 — trading 13.4% below its estimated fair value. The current Cash-to-Debt is 0.07, which is 600% above median its 10-year median of 0.01 and 63.2% below the Credit Services industry median of 0.19. Regional Management's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Regional Management (RM), the current Cash-to-Debt is 0.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Regional Management (RM) Overvalued in 2026?
Based on GuruFocus' analysis, Regional Management stock appears to be undervalued.
The current stock price of $31.51 is trading 13.4% below its estimated GF Value™ of $36.37.
GuruFocus considers Regional Management to be Modestly Undervalued.
Key valuation signals for RM:
Cash-to-Debt: 0.07 (600% above median its 10-year median of 0.01)
GF Value™: $36.37 vs. price of $31.51 (13.4% below fair value)
Industry Position: 63.2% below the Credit Services median (#999999 of 525)
No single metric tells the full story. See the RM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Regional Management Corp. is a diversified consumer finance company based in the United States that provides installment loan products to customers with limited access to credit from banks, thrifts, credit card companies, and other traditional lenders. Its core offerings include small and large installment loans, and it also provides optional payment and collateral protection insurance products. The company serves non-prime consumers through a network of branch locations and a direct-to-consumer digital lending platform, operating across a multi-state footprint in the United States. Its principal source of revenue is interest and fee income generated on outstanding loans, supplemented by insurance-related income and other fees. Regional Management focuses on serving borrowers who may not qualify for conventional credit, positioning itself within the consumer finance sector.
75GF Score
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