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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Regional ManagementRM +0.41%74 Earnings per Share (Diluted) is $4.75 as of Jun. 2026. GuruFocus rates RM with a GF Score™ of 74/100 and a GF Value™ of $35.29 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 436 Credit Services companies, Regional Management ranks worse than 73.17% on this metric.
Regional Management's EPS (Basic) for the
three
months ended in Jun. 2026 was $0.91.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $5.08.
During the past 12 months, Regional Management's average EPS without NRIGrowth Rate was 36.90% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -5.70% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -0.50% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 7.50% per year.
During the past 13 years, Regional Management's highest 3-Year average EPS without NRI Growth Rate was 41.70% per year. The lowest was -20.80% per year. And the median was 3.60% per year.
Regional Management (NYSE:RM) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Regional Management Earnings per Share (Diluted) Related Terms
Regional Management Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Regional Management's Earnings per Share (Diluted) 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.
Regional Management Earnings per Share (Diluted) Chart
RM vs HTT, LPRO, OPRT: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Regional Management's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's PE Ratio distribution charts can be found below:
* The bar in red indicates where Regional Management's PE Ratio falls into.
Regional Management Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Regional Management's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.75
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $4.75 mean?
Regional Management (RM) has a Earnings per Share (Diluted) of $4.75 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Regional Management and its competitors. According to the industry distribution chart, Regional Management ranks #319 out of 436 companies in the Credit Services industry, placing it in the top 73.2%.
Is Regional Management's Earnings per Share (Diluted) too high?
Regional Management's current Earnings per Share (Diluted) is $4.75. The Credit Services industry median Earnings per Share (Diluted) is 11.40. Regional Management's value of $4.75 is 58.3% below this industry median. Based on the distribution chart, Regional Management ranks #319 out of 436 companies in the Credit Services industry, which is below the industry midpoint. Overall, Regional Management has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Regional Management's Earnings per Share (Diluted) compare to HTT and LPRO?
According to the Credit Services industry distribution chart, Regional Management ranks #319 out of 436 companies for Earnings per Share (Diluted). This places Regional Management in the lower half of its industry. The industry median Earnings per Share (Diluted) is 11.40. Regional Management's value of $4.75 is 58.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 436 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current Earnings per Share (Diluted) of $4.75 is 58.3% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Regional Management and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current Earnings per Share (Diluted) is $4.75. 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 $35.29, compared to a current price of $31.63 — trading 10.4% below its estimated fair value. The current Earnings per Share (Diluted) is $4.75 and 58.3% below the Credit Services industry median of 11.40. Regional Management's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Regional Management (RM), the current Earnings per Share (Diluted) is $4.75 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 $31.63 is trading 10.4% below its estimated GF Value™ of $35.29.
GuruFocus considers Regional Management to be Modestly Undervalued.
Key valuation signals for RM:
Earnings per Share (Diluted): $4.75
GF Value™: $35.29 vs. price of $31.63 (10.4% below fair value)
Industry Position: 58.3% below the Credit Services median (#319 of 436)
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 that provides installment loan products to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. The company is engaged in consumer finance. The company has the core products which are small and large installment loans. The company also offers optional payment and collateral protection insurance. The company's principal source of revenue is interest and fee income on outstanding loans.
74GF Score
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Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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