Regional ManagementRM -1.63%78 EV-to-FCF is 6.59 as of Jul. 05, 2026, which is 10% below its 10-year median of 7.35. GuruFocus rates RM with a GF Score™ of 78/100 and a GF Value™ of $37.50 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 263 Credit Services companies, Regional Management ranks better than 68.06% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Regional Management's Enterprise Value is $2,039.4 Mil.
Regional Management's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $309.6 Mil. Therefore, Regional Management's EV-to-FCF for today is 6.59.
The historical rank and industry rank for Regional Management's EV-to-FCF or its related term are showing as below:
RM'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.12 Med: 7.35 Max: 10.11
Current: 6.59
During the past 13 years, the highest EV-to-FCF of Regional Management was 10.11. The lowest was 5.12. And the median was 7.35.
RM's EV-to-FCF is ranked better than 68.06% of 263
companies
in the Credit Services industry
Industry Median: 13.6
vs RM: 6.59
EV-to-FCF 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-FCF 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 $41.66.
Regional Management's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.930.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Regional Management EV-to-FCF Related Terms
Regional Management EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Regional Management's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Regional Management's EV-to-FCF falls into.
Regional Management's current Enterprise Value is $2,039.4 Mil.
Regional Management's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $309.6 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-FCF of 6.59 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Regional Management and its competitors. This is 10% below median its historical median of 7.35. Over the past decade, Regional Management's EV-to-FCF has ranged from 5.12 to 10.11. According to the industry distribution chart, Regional Management ranks #84 out of 263 companies in the Credit Services industry, placing it in the top 31.9%.
Is Regional Management's EV-to-FCF too high?
Regional Management's current EV-to-FCF of 6.59 is 10% below median its 10-year median of 7.35. Over the past 10 years, this metric has ranged from a low of 5.12 to a high of 10.11. The Credit Services industry median EV-to-FCF is 13.60. Regional Management's value of 6.59 is 51.5% below this industry median. Based on the distribution chart, Regional Management ranks #84 out of 263 companies in the Credit Services industry, which is above the industry midpoint. Overall, Regional Management has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Regional Management's EV-to-FCF compare to LPRO and HTT?
According to the Credit Services industry distribution chart, Regional Management ranks #84 out of 263 companies for EV-to-FCF. This puts Regional Management in the upper half of its industry. The industry median EV-to-FCF is 13.60. Regional Management's value of 6.59 is 51.5% below this benchmark. Historically, Regional Management's own EV-to-FCF has ranged from 5.12 to 10.11 over the past decade. While the company's 10-year median is 7.35 vs. the industry median of 13.60, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.60, based on 263 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current EV-to-FCF of 6.59 is 51.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Regional Management and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current EV-to-FCF is 6.59, which is 10% below median its own 10-year median of 7.35. 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 Overvalued. The stock's GF Value™ is $37.50, compared to a current price of $41.66 — trading 11.1% above its estimated fair value. The current EV-to-FCF is 6.59, which is 10% below median its 10-year median of 7.35 and 51.5% below the Credit Services industry median of 13.60. Regional Management's overall GF Score™ is 78/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Regional Management (RM), the current EV-to-FCF is 6.59 as of Jul. 05, 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 overvalued.
The current stock price of $41.66 is trading 11.1% above its estimated GF Value™ of $37.50.
GuruFocus considers Regional Management to be Modestly Overvalued.
Key valuation signals for RM:
EV-to-FCF: 6.59 (10% below median its 10-year median of 7.35)
GF Value™: $37.50 vs. price of $41.66 (11.1% above fair value)
Industry Position: 51.5% below the Credit Services median (#84 of 263)
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.
78GF Score
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