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Regional ManagementRM +0.41%74 EV-to-OCF is 6.10 as of Aug. 12, 2026, which is 12% below its 10-year median of 6.90. 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 545 Credit Services companies, Regional Management ranks worse than 65.14% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Regional Management's Enterprise Value is $2,002.6 Mil.
Regional Management's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $328.5 Mil. Therefore, Regional Management's EV-to-OCF for today is 6.10.
The historical rank and industry rank for Regional Management's EV-to-OCF or its related term are showing as below:
RM'
s EV-to-OCF Range Over the Past 10 Years
Min: 4.92 Med: 6.9 Max: 9.52
Current: 6.1
During the past 13 years, the highest EV-to-OCF of Regional Management was 9.52. The lowest was 4.92. And the median was 6.90.
RM's EV-to-OCF is ranked worse than 65.14% of 545
companies
in the Credit Services industry
Industry Median: -0.89
vs RM: 6.10
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Regional Management's PE Ratio (TTM) for today is calculated as:
Regional Management's share price for today is $31.63.
Regional Management's 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 $4.750.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Regional Management EV-to-OCF Related Terms
Regional Management EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Regional Management's EV-to-OCF 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.
For the Credit Services subindustry, Regional Management's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Regional Management's EV-to-OCF falls into.
Regional Management's current Enterprise Value is $2,002.6 Mil.
Regional Management's Cash Flow from Operations 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 $328.5 Mil.
* 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 EV-to-OCF of 6.10 as of Aug. 12, 2026. This is 12% below median its historical median of 6.90. Over the past decade, Regional Management's EV-to-OCF has ranged from 4.92 to 9.52. According to the industry distribution chart, Regional Management ranks #355 out of 545 companies in the Credit Services industry, placing it in the top 65.1%.
Is Regional Management's EV-to-OCF too high?
Regional Management's current EV-to-OCF of 6.10 is 12% below median its 10-year median of 6.90. Over the past 10 years, this metric has ranged from a low of 4.92 to a high of 9.52. Based on the distribution chart, Regional Management ranks #355 out of 545 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 EV-to-OCF compare to HTT and LPRO?
According to the Credit Services industry distribution chart, Regional Management ranks #355 out of 545 companies for EV-to-OCF. This places Regional Management in the lower half of its industry. Historically, Regional Management's own EV-to-OCF has ranged from 4.92 to 9.52 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Regional Management's current EV-to-OCF is 6.10, which is 12% below median its own 10-year median of 6.90. 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 EV-to-OCF is 6.10, which is 12% below median its 10-year median of 6.90. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Regional Management (RM), the current EV-to-OCF is 6.10 as of Aug. 12, 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:
EV-to-OCF: 6.10 (12% below median its 10-year median of 6.90)
GF Value™: $35.29 vs. price of $31.63 (10.4% below fair value)
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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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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