Regional Management (FRA:46F) GF Value Rank: 7 (As of Jul. 24, 2026) — Near Median

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:46F Regional Management Corp FRA:46F
78 GF Score
Price €36.20
GF Value €33.60
! 5 Warning Signs
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What is Regional Management GF Value Rank?

Regional Management FRA:46F -0.55% 78 GF Value Rank is 7 as of Jul. 24, 2026, which is at its 10-year median of 7.00. GuruFocus rates FRA:46F with a GF Score™ of 78/100 and a GF Value™ of €33.60. The stock has 5 warning signs investors should review.

Regional Management has the GF Value Rank of 7.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.


Regional Management GF Value Rank Related Terms


FRA:46F vs LPRO, HTT, LX: GF Value Rank Comparison

For the Credit Services subindustry, Regional Management's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Regional Management's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Regional Management's GF Value Rank falls into.


FRA:46F
78GF Score
Regional Management Corp FRA:46F
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 7 mean?
Regional Management (FRA:46F) has a GF Value Rank of 7 as of Jul. 24, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Regional Management and its competitors. This is near median its historical median of 7.00. Over the past decade, Regional Management's GF Value Rank has ranged from 4.00 to 10.00.
Is Regional Management's GF Value Rank too high?
Regional Management's current GF Value Rank of 7 is near median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 10.00. 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 GF Value Rank compare to LPRO and HTT?
Regional Management's GF Value Rank of 7 can be compared against companies in the Credit Services industry. Historically, Regional Management's own GF Value Rank has ranged from 4.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Credit Services company?
A good GF Value Rank depends on the Credit Services industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Regional Management and its competitors. Regional Management's current GF Value Rank is 7, which is near median its own 10-year median of 7.00. 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 GF Value Rank of 7. The stock's GF Value™ is €33.60, compared to a current price of €36.20 — trading 7.7% above its estimated fair value. The current GF Value Rank is 7, which is near median its 10-year median of 7.00. 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 GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Regional Management (FRA:46F), the current GF Value Rank is 7 as of Jul. 24, 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 €36.20 is trading 7.7% above its estimated GF Value™ of €33.60.

Key valuation signals for FRA:46F:

  • GF Value Rank: 7 (near median its 10-year median of 7.00)
  • GF Value™: €33.60 vs. price of €36.20 (7.7% 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

Other Exchanges RM:USA
Address 979 Batesville Road, Suite B, Greer, SC, USA, 29651
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

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.20
Price
€33.60
GF Value