Regional ManagementFRA:46F +1.16%78 Return-on-Tangible-Equity is 13.42% as of Mar. 2026, which is 1% below its 10-year median of 13.56. GuruFocus rates FRA:46F with a GF Score™ of 78/100 and a GF Value™ of €31.45. The stock has 5 warning signs investors should review. Among 524 Credit Services companies, Regional Management ranks better than 74.81% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Regional Management's annualized net income for the quarter that ended in Mar. 2026 was €39.4 Mil. Regional Management's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €293.9 Mil. Therefore, Regional Management's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.42%.
The historical rank and industry rank for Regional Management's Return-on-Tangible-Equity or its related term are showing as below:
FRA:46F'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.29 Med: 13.56 Max: 33.05
Current: 14.43
During the past 13 years, Regional Management's highest Return-on-Tangible-Equity was 33.05%. The lowest was 5.29%. And the median was 13.56%.
FRA:46F's Return-on-Tangible-Equity is ranked better than 74.81% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs FRA:46F: 14.43
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Regional Management Return-on-Tangible-Equity Related Terms
Regional Management Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Regional Management's Return-on-Tangible-Equity 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.
FRA:46F vs LPRO, HTT, LX: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Regional Management's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Regional Management's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.42% mean?
Regional Management (FRA:46F) has a Return-on-Tangible-Equity of 13.42% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Regional Management and its competitors. This is near median its historical median of 13.56. Over the past decade, Regional Management's Return-on-Tangible-Equity has ranged from 5.29 to 33.05. According to the industry distribution chart, Regional Management ranks #132 out of 524 companies in the Credit Services industry, placing it in the top 25.2%.
Is Regional Management's Return-on-Tangible-Equity too high?
Regional Management's current Return-on-Tangible-Equity of 13.42% is near median its 10-year median of 13.56. Over the past 10 years, this metric has ranged from a low of 5.29 to a high of 33.05. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Regional Management's value of 13.42% is 90.2% above this industry median. Based on the distribution chart, Regional Management ranks #132 out of 524 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 Return-on-Tangible-Equity compare to LPRO and HTT?
According to the Credit Services industry distribution chart, Regional Management ranks #132 out of 524 companies for Return-on-Tangible-Equity. This puts Regional Management in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Regional Management's value of 13.42% is 90.2% above this benchmark. Historically, Regional Management's own Return-on-Tangible-Equity has ranged from 5.29 to 33.05 over the past decade. While the company's 10-year median is 13.56 vs. the industry median of 7.06, Regional Management has consistently been above 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current Return-on-Tangible-Equity of 13.42% is 90.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Regional Management and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current Return-on-Tangible-Equity is 13.42%, which is near median its own 10-year median of 13.56. 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 Return-on-Tangible-Equity of 13.42%. The stock's GF Value™ is €31.45, compared to a current price of €35.00 — trading 11.3% above its estimated fair value. The current Return-on-Tangible-Equity is 13.42%, which is near median its 10-year median of 13.56 and 90.2% above the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Regional Management (FRA:46F), the current Return-on-Tangible-Equity is 13.42% 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 €35.00 is trading 11.3% above its estimated GF Value™ of €31.45.
Key valuation signals for FRA:46F:
Return-on-Tangible-Equity: 13.42% (near median its 10-year median of 13.56)
GF Value™: €31.45 vs. price of €35.00 (11.3% above fair value)
Industry Position: 90.2% above the Credit Services median (#132 of 524)
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
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