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Regional ManagementFRA:46F -2.26%79 5-Year Yield-on-Cost % is 11.57 as of Jul. 21, 2026, which is 18% below its 10-year median of 14.12. GuruFocus rates FRA:46F with a GF Score™ of 79/100 and a GF Value™ of €31.66. The stock has 5 warning signs investors should review. Among 211 Credit Services companies, Regional Management ranks better than 86.73% on this metric.
Regional Management's yield on cost for the quarter that ended in Mar. 2026 was 11.57.
The historical rank and industry rank for Regional Management's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:46F'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.15 Med: 14.12 Max: 21.52
Current: 11.57
During the past 13 years, Regional Management's highest Yield on Cost was 21.52. The lowest was 2.15. And the median was 14.12.
FRA:46F's 5-Year Yield-on-Cost % is ranked better than 86.73% of 211
companies
in the Credit Services industry
Industry Median: 4.55
vs FRA:46F: 11.57
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Regional Management 5-Year Yield-on-Cost % Related Terms
FRA:46F vs LPRO, HTT, LX: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Regional Management's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regional Management's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Regional Management's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Regional Management (FRA:46F) has a 5-Year Yield-on-Cost % of 11.57 as of Jul. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Regional Management and its competitors. This is 18% below median its historical median of 14.12. Over the past decade, Regional Management's 5-Year Yield-on-Cost % has ranged from 2.15 to 21.52. According to the industry distribution chart, Regional Management ranks #28 out of 211 companies in the Credit Services industry, placing it in the top 13.3%.
Is Regional Management's 5-Year Yield-on-Cost % too high?
Regional Management's current 5-Year Yield-on-Cost % of 11.57 is 18% below median its 10-year median of 14.12. Over the past 10 years, this metric has ranged from a low of 2.15 to a high of 21.52. The Credit Services industry median 5-Year Yield-on-Cost % is 4.55. Regional Management's value of 11.57 is 154.3% above this industry median. Based on the distribution chart, Regional Management ranks #28 out of 211 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Regional Management has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Regional Management's 5-Year Yield-on-Cost % compare to LPRO and HTT?
According to the Credit Services industry distribution chart, Regional Management ranks #28 out of 211 companies for 5-Year Yield-on-Cost %. This places Regional Management in the top 13% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.55. Regional Management's value of 11.57 is 154.3% above this benchmark. Historically, Regional Management's own 5-Year Yield-on-Cost % has ranged from 2.15 to 21.52 over the past decade. While the company's 10-year median is 14.12 vs. the industry median of 4.55, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regional Management's current 5-Year Yield-on-Cost % of 11.57 is 154.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Regional Management and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regional Management's current 5-Year Yield-on-Cost % is 11.57, which is 18% below median its own 10-year median of 14.12. 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 5-Year Yield-on-Cost % of 11.57. The stock's GF Value™ is €31.66, compared to a current price of €34.60 — trading 9.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 11.57, which is 18% below median its 10-year median of 14.12 and 154.3% above the Credit Services industry median of 4.55. Regional Management's overall GF Score™ is 79/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Regional Management (FRA:46F), the current 5-Year Yield-on-Cost % is 11.57 as of Jul. 21, 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 €34.60 is trading 9.3% above its estimated GF Value™ of €31.66.
Key valuation signals for FRA:46F:
5-Year Yield-on-Cost %: 11.57 (18% below median its 10-year median of 14.12)
GF Value™: €31.66 vs. price of €34.60 (9.3% above fair value)
Industry Position: 154.3% above the Credit Services median (#28 of 211)
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.
79GF Score
Get the complete analysis for FRA:46F
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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