Regional Management (FRA:46F) LT-Debt-to-Total-Asset: 0.67 (As of Mar. 2026)

What is Regional Management LT-Debt-to-Total-Asset?

Regional Management FRA:46F -2.79% 78 LT-Debt-to-Total-Asset is 0.67 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Regional Management's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.67.

Regional Management's long-term debt to total assets ratio declined from Mar. 2025 (0.72) to Mar. 2026 (0.67). It may suggest that Regional Management is progressively becoming less dependent on debt to grow their business.

Regional Management (FRA:46F) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Regional Management LT-Debt-to-Total-Asset Related Terms

Regional Management LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Regional Management's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Regional Management Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.61

0.71

0.66

0.63

0.68

Regional Management Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.72	0.66	0.61	0.68	0.67

78GF Score

Regional Management Corp FRA:46F

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Regional Management LT-Debt-to-Total-Asset Calculation

Regional Management's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	1212.426	/	1796.756
	=	0.67

Regional Management's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	1207.676	/	1792.929
	=	0.67

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.67 mean?

Regional Management (FRA:46F) has a LT-Debt-to-Total-Asset of 0.67 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Regional Management and its competitors.

Is Regional Management's LT-Debt-to-Total-Asset too high?

Regional Management's current LT-Debt-to-Total-Asset is 0.67. 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 LT-Debt-to-Total-Asset compare to LPRO and HTT?

Regional Management's LT-Debt-to-Total-Asset of 0.67 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Regional Management and its competitors. Regional Management's current LT-Debt-to-Total-Asset is 0.67. 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 LT-Debt-to-Total-Asset of 0.67. 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 LT-Debt-to-Total-Asset is 0.67. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Regional Management (FRA:46F), the current LT-Debt-to-Total-Asset is 0.67 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:

LT-Debt-to-Total-Asset: 0.67
GF Value™: €31.33 vs. price of €34.80 (11.1% above fair value)
GF Score™: 78/100 with 5 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies LPRO HTT LX TROO OPRT MFIN PMTS CPSS FOA XYF V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges RM:USA

Address 979 Batesville Road, Suite B, Greer, SC, USA, 29651

Website https://www.regionalmanagement.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€34.80

Price

€31.33

GF Value

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