Regional ManagementRM -1.63%78 Net Margin % is 7.90% as of Mar. 2026, which is 27% below its 10-year median of 10.86. 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 530 Credit Services companies, Regional Management ranks worse than 63.96% on this metric.
The historical rank and industry rank for Regional Management's Net Margin % or its related term are showing as below:
RM'
s Net Margin % Range Over the Past 10 Years
Min: 3.3 Med: 10.86 Max: 22.34
Current: 8.53
RM's Net Margin % is ranked worse than 63.96% of 530
companies
in the Credit Services industry
Industry Median: 14.76
vs RM: 8.53
Regional Management (NYSE:RM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Regional Management Net Margin % Related Terms
Regional Management Net Margin % Historical Data
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The historical data trend for Regional Management's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's Net Margin % distribution charts can be found below:
* The bar in red indicates where Regional Management's Net 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 (RM) has a Net Margin % of 7.90% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Regional Management and its competitors. This is 27% below median its historical median of 10.86. Over the past decade, Regional Management's Net Margin % has ranged from 3.30 to 22.34. According to the industry distribution chart, Regional Management ranks #339 out of 530 companies in the Credit Services industry, placing it in the top 64%.
Is Regional Management's Net Margin % too high?
Regional Management's current Net Margin % of 7.90% is 27% below median its 10-year median of 10.86. Over the past 10 years, this metric has ranged from a low of 3.30 to a high of 22.34. The Credit Services industry median Net Margin % is 14.76. Regional Management's value of 7.90% is 46.5% below this industry median. Based on the distribution chart, Regional Management ranks #339 out of 530 companies in the Credit Services industry, which is below 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 Net Margin % compare to LPRO and HTT?
According to the Credit Services industry distribution chart, Regional Management ranks #339 out of 530 companies for Net Margin %. This places Regional Management in the lower half of its industry. The industry median Net Margin % is 14.76. Regional Management's value of 7.90% is 46.5% below this benchmark. Historically, Regional Management's own Net Margin % has ranged from 3.30 to 22.34 over the past decade. While the company's 10-year median is 10.86 vs. the industry median of 14.76, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.76, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current Net Margin % of 7.90% is 46.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Regional Management and its competitors. For the Credit Services industry, the median Net Margin % is 14.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current Net Margin % is 7.90%, which is 27% below median its own 10-year median of 10.86. 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 Net Margin % is 7.90%, which is 27% below median its 10-year median of 10.86 and 46.5% below the Credit Services industry median of 14.76. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Regional Management (RM), the current Net Margin % is 7.90% 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 (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:
Net Margin %: 7.90% (27% below median its 10-year median of 10.86)
GF Value™: $37.50 vs. price of $41.66 (11.1% above fair value)
Industry Position: 46.5% below the Credit Services median (#339 of 530)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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