The historical rank and industry rank for Regional Management's PB Ratio or its related term are showing as below:
FRA:46F'
s PB Ratio Range Over the Past 10 Years
Min: 0.45 Med: 1.06 Max: 2.28
Current: 1.04
During the past 13 years, Regional Management's highest PB Ratio was 2.28. The lowest was 0.45. And the median was 1.06.
FRA:46F's PB Ratio is ranked better than 51.44% of 521
companies
in the Credit Services industry
Industry Median: 1.05
vs FRA:46F: 1.04
During the past 12 months, Regional Management's average Book Value Per Share Growth Rate was 13.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Regional Management was 53.40% per year. The lowest was 5.60% per year. And the median was 12.50% per year.
Back to Basics: PB Ratio
Regional Management (FRA:46F) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Regional Management PB Ratio Related Terms
Regional Management PB Ratio Historical Data
* Premium members only.
The historical data trend for Regional Management's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's PB Ratio distribution charts can be found below:
* The bar in red indicates where Regional Management's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Regional Management (FRA:46F) has a PB Ratio of 1.00 as of Jul. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Regional Management and its competitors. This is near median its historical median of 1.06. Over the past decade, Regional Management's PB Ratio has ranged from 0.45 to 2.28. According to the industry distribution chart, Regional Management ranks #253 out of 521 companies in the Credit Services industry, placing it in the top 48.6%.
Is Regional Management's PB Ratio too high?
Regional Management's current PB Ratio of 1.00 is near median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 2.28. The Credit Services industry median PB Ratio is 1.05. Regional Management's value of 1.00 is 4.8% below this industry median. Based on the distribution chart, Regional Management ranks #253 out of 521 companies in the Credit Services industry, which is above the industry midpoint. 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 PB Ratio compare to LPRO and HTT?
According to the Credit Services industry distribution chart, Regional Management ranks #253 out of 521 companies for PB Ratio. This puts Regional Management in the upper half of its industry. The industry median PB Ratio is 1.05. Regional Management's value of 1.00 is 4.8% below this benchmark. Historically, Regional Management's own PB Ratio has ranged from 0.45 to 2.28 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current PB Ratio of 1.00 is 4.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Regional Management and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current PB Ratio is 1.00, which is near median its own 10-year median of 1.06. 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 PB Ratio of 1.00. 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 PB Ratio is 1.00, which is near median its 10-year median of 1.06 and 4.8% below the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Regional Management (FRA:46F), the current PB Ratio is 1.00 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 (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:
PB Ratio: 1.00 (near median its 10-year median of 1.06)
GF Value™: €31.33 vs. price of €34.80 (11.1% above fair value)
Industry Position: 4.8% below the Credit Services median (#253 of 521)
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
Get the complete analysis for FRA:46F
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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