RM PEER ANALYSIS

Regional Management Corp — metric-by-metric comparison with peers and the industry median

RMRegional Management Corp

🇺🇸 USA · NYSE · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

RMIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	RM	GSY	ISFIN	GARFA	VAKFA	VAKFN	Ind. Median
P/E	8.29●	—	16.96	16.24	23.12	19.60	15.93
P/B	1.08	0.92●	0.94	1.85	1.45	1.02	2.03
EV/EBITDA	15.53	6.32●	—	—	—	—	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	RM	GSY	ISFIN	GARFA	VAKFA	VAKFN	Ind. Median
Current Ratio	6.52	—	—	—	—	—	1.20
Debt/Equity	441.8%	599.1%	0.0%●	0.0%●	0.0%●	0.0%●	116.1%
NetDebt/EBITDA	12.32	5.42●	—	—	—	—	2.39

Profitability
Metric	RM	GSY	ISFIN	GARFA	VAKFA	VAKFN	Ind. Median
Net Margin	7.4%●	-15.8%	—	—	—	—	10.0%
ROE	13.3%	-27.7%	6.3%	13.5%●	7.3%	5.8%	13.4%
ROA	2.5%●	-4.9%	—	—	—	—	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	RM	GSY	ISFIN	GARFA	VAKFA	VAKFN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	47.8%	—	—	—	—	—	19.9%
Div. Yield	2.8%	9.4%●	—	—	—	—	1.2%
Payout	24.1%	-33.6%	—	—	—	—	16.3%

Valuation
Metric	RM	LPRO	OPFI	PMTS	PRAA	CPSS	Ind. Median
P/E	8.29	—	3.80●	18.59	—	10.50	15.93
P/B	1.08	4.89	3.32	-16.23●	0.69	0.67	2.03
EV/EBITDA	15.53	60.92	2.81●	6.61	7.02	43.22	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	RM	LPRO	OPFI	PMTS	PRAA	CPSS	Ind. Median
Current Ratio	6.52●	4.44	1.14	2.54	2.02	1.53	1.20
Debt/Equity	441.8%	113.0%	397.6%	-2,068.6%●	3.2%	1,174.2%	116.1%
NetDebt/EBITDA	12.32	-22.64●	1.36	3.59	-1.09	40.87	2.39

Profitability
Metric	RM	LPRO	OPFI	PMTS	PRAA	CPSS	Ind. Median
Net Margin	7.4%	-5.9%	10.9%●	2.2%	-21.9%	4.6%	10.0%
ROE	13.3%	-6.8%	134.6%●	—	-25.3%	6.6%	13.4%
ROA	2.5%	-2.0%	9.7%●	3.3%	-5.4%	0.5%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	RM	LPRO	OPFI	PMTS	PRAA	CPSS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	47.8%●	—	—	-35.1%	—	4.5%	19.9%
Div. Yield	2.8%	—	25.5%●	—	—	—	1.2%
Payout	24.1%	—	96.9%	—	—	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.