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Regional ManagementRM +0.35%75 Intrinsic Value: Projected FCF is $365.55 as of Sep. 22, 2026. 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 309 Credit Services companies, Regional Management ranks better than 93.53% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-22), Regional Management's Intrinsic Value: Projected FCF is $365.55. The stock price of Regional Management is $31.50. Therefore, Regional Management's Price-to-Intrinsic-Value-Projected-FCF of today is 0.1.
The historical rank and industry rank for Regional Management's Intrinsic Value: Projected FCF or its related term are showing as below:
RM'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.08 Med: 0.16 Max: 0.29
Current: 0.09
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Regional Management was 0.29. The lowest was 0.08. And the median was 0.16.
RM's Price-to-Projected-FCF is ranked better than 93.53% of 309
companies
in the Credit Services industry
Industry Median: 0.72
vs RM: 0.09
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Regional Management's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
31.50
/
380.80122363052
=
0.08
* 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 Intrinsic Value: Projected FCF Related Terms
Regional Management Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Regional Management's Intrinsic Value: Projected 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.
RM vs MFIN, PMTS, TROO: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Regional Management's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Regional Management's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $365.55 mean?
Regional Management (RM) has a Intrinsic Value: Projected FCF of $365.55 as of Sep. 22, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Regional Management and its competitors. According to the industry distribution chart, Regional Management ranks #20 out of 309 companies in the Credit Services industry, placing it in the top 6.5%.
Is Regional Management's Intrinsic Value: Projected FCF too high?
Regional Management's current Intrinsic Value: Projected FCF is $365.55. The Credit Services industry median Intrinsic Value: Projected FCF is 0.72. Regional Management's value of $365.55 is 50670.8% above this industry median. Based on the distribution chart, Regional Management ranks #20 out of 309 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 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Regional Management's Intrinsic Value: Projected FCF compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Regional Management ranks #20 out of 309 companies for Intrinsic Value: Projected FCF. This places Regional Management in the top 7% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.72. Regional Management's value of $365.55 is 50670.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.72, based on 309 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current Intrinsic Value: Projected FCF of $365.55 is 50670.8% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Regional Management and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current Intrinsic Value: Projected FCF is $365.55. 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 $31.50 — trading 13.4% below its estimated fair value. The current Intrinsic Value: Projected FCF is $365.55 and 50670.8% above the Credit Services industry median of 0.72. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Regional Management (RM), the current Intrinsic Value: Projected FCF is $365.55 as of Sep. 22, 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 $31.50 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:
Intrinsic Value: Projected FCF: $365.55
GF Value™: $36.37 vs. price of $31.50 (13.4% below fair value)
Industry Position: 50670.8% above the Credit Services median (#20 of 309)
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.
75GF Score
Get the complete analysis for RM
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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