Regional Management (FRA:46F) Scaled Net Operating Assets: 0.98 (As of Mar. 2026)


FRA:46F Regional Management Corp FRA:46F
78 GF Score
Price €34.80
GF Value €31.33
! 5 Warning Signs
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What is Regional Management Scaled Net Operating Assets?

Regional Management FRA:46F -2.79% 78 Scaled Net Operating Assets is 0.98 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Regional Management's operating assets for the quarter that ended in Mar. 2026 was €1,788.7 Mil. Regional Management's operating liabilities for the quarter that ended in Mar. 2026 was €31.3 Mil. Regional Management's Total Assets for the quarter that ended in Dec. 2025 was €1,796.8 Mil. Therefore, Regional Management's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.98.

FRA:46F
78GF Score
Regional Management Corp FRA:46F
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Regional Management Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Regional Management's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1793.491-36.463)/1823.199
=0.96

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1796.756 - 3.265
=1793.491

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1478.136 - 1212.426 - 229.247
=36.463

Regional Management's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1788.726-31.336)/1796.756
=0.98

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1792.929 - 4.203
=1788.726

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1467.819 - 1207.676 - 228.807
=31.336

* 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.

What does a Scaled Net Operating Assets of 0.98 mean?
Regional Management (FRA:46F) has a Scaled Net Operating Assets of 0.98 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Regional Management and its competitors.
Is Regional Management's Scaled Net Operating Assets too high?
Regional Management's current Scaled Net Operating Assets is 0.98. 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 Scaled Net Operating Assets compare to LPRO and HTT?
Regional Management's Scaled Net Operating Assets of 0.98 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Regional Management and its competitors. Regional Management's current Scaled Net Operating Assets is 0.98. 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 Scaled Net Operating Assets of 0.98. 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 Scaled Net Operating Assets is 0.98. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Regional Management (FRA:46F), the current Scaled Net Operating Assets is 0.98 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:

  • Scaled Net Operating Assets: 0.98
  • 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

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

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

€34.80
Price
€31.33
GF Value