Regional ManagementFRA:46F -2.79%78 FCF Margin % is 53.17% as of Mar. 2026, which is 12% above its 10-year median of 47.64. GuruFocus rates FRA:46F with a GF Score™ of 78/100 and a GF Value™ of €31.33. The stock has 5 warning signs investors should review. Among 527 Credit Services companies, Regional Management ranks better than 80.46% on this metric.
The historical rank and industry rank for Regional Management's FCF Margin % or its related term are showing as below:
FRA:46F'
s FCF Margin % Range Over the Past 10 Years
Min: 40.12 Med: 47.64 Max: 54.12
Current: 54.12
During the past 13 years, the highest FCF Margin % of Regional Management was 54.12%. The lowest was 40.12%. And the median was 47.64%.
FRA:46F's FCF Margin % is ranked better than 80.46% of 527
companies
in the Credit Services industry
Industry Median: 0.24
vs FRA:46F: 54.12
Regional Management FCF Margin % Related Terms
Regional Management FCF Margin % Historical Data
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The historical data trend for Regional Management's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Regional Management's FCF Margin % 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 (FRA:46F) has a FCF Margin % of 53.17% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Regional Management and its competitors. This is 12% above median its historical median of 47.64. Over the past decade, Regional Management's FCF Margin % has ranged from 40.12 to 54.12. According to the industry distribution chart, Regional Management ranks #103 out of 527 companies in the Credit Services industry, placing it in the top 19.5%.
Is Regional Management's FCF Margin % too high?
Regional Management's current FCF Margin % of 53.17% is 12% above median its 10-year median of 47.64. Over the past 10 years, this metric has ranged from a low of 40.12 to a high of 54.12. The Credit Services industry median FCF Margin % is 0.24. Regional Management's value of 53.17% is 22054.2% above this industry median. Based on the distribution chart, Regional Management ranks #103 out of 527 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Regional Management has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Regional Management's FCF Margin % compare to LPRO and HTT?
According to the Credit Services industry distribution chart, Regional Management ranks #103 out of 527 companies for FCF Margin %. This places Regional Management in the top 20% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Regional Management's value of 53.17% is 22054.2% above this benchmark. Historically, Regional Management's own FCF Margin % has ranged from 40.12 to 54.12 over the past decade. While the company's 10-year median is 47.64 vs. the industry median of 0.24, Regional Management has consistently been above 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current FCF Margin % of 53.17% is 22054.2% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Regional Management and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current FCF Margin % is 53.17%, which is 12% above median its own 10-year median of 47.64. 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?
Regional Management (FRA:46F) has a current FCF Margin % of 53.17%. The stock's GF Value™ is €31.33, compared to a current price of €34.80 — trading 11.1% above its estimated fair value. The current FCF Margin % is 53.17%, which is 12% above median its 10-year median of 47.64 and 22054.2% above the Credit Services industry median of 0.24. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Regional Management (FRA:46F), the current FCF Margin % is 53.17% as of Mar. 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 (FRA:46F) Overvalued in 2026?
Based on GuruFocus' analysis, Regional Management stock appears to be overvalued.
The current stock price of €34.80 is trading 11.1% above its estimated GF Value™ of €31.33.
Key valuation signals for FRA:46F:
FCF Margin %: 53.17% (12% above median its 10-year median of 47.64)
GF Value™: €31.33 vs. price of €34.80 (11.1% above fair value)
Industry Position: 22054.2% above the Credit Services median (#103 of 527)
No single metric tells the full story. See the FRA:46F 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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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