RM Stock Analysis: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$34.11
0.78 (2.34%)
▲
5d:
+1.82%
30d:
-17.03%
90d:
-4.13%
HOLD
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
Get Alerted When RM Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: RM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: RM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$51.33
Based on 10.8% avg growth
INTRINSIC VALUE TODAY
$31.87
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 5.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RM is currently trading at $34.11, which is considered slightly low relative to its 30-day fair value range of $32.10 to $41.06. The stock's valuation (Forward PE: 5.7) is in line with its historical norms (5.3). At these levels, the market is pricing in 2.6% annual earnings growth.
Technical Outlook: Technically, RM is showing sideways momentum. The price is approaching resistance at $34.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: RM scores 93/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $43.83 (+31.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, RM is showing sideways momentum. The price is approaching resistance at $34.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: RM scores 93/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $43.83 (+31.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$32.10 -
$41.06
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
93.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (93/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.5% below Wall St target ($43.83)
- BULLISH: Expecting earnings turnaround to 2.6% growth with 6.0% revenue growth
- CAUTION: Bottoming setup, but lagging the sector by 18% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$32.10 -
$41.06
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$31.35
Resistance Level
$34.71
Current Trend
Sideways
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.72
Wall Street Target
$43.83
(+31.5%)
Revenue Growth (YoY)
6.0%
Earnings Growth (YoY)
-17.5%
Profit Margin
7.2%
Valuation Premium vs History
+2.6% premium
PE vs Historical
5.7 vs 5.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.6%
(market-implied from PE analysis)
1-Year Target
$34.20
(+3%)
2-Year Target
$35.09
(+5%)
3-Year Target
$36.00
(+8%)
3-Yr Target (if PE normalizes)
(PE: 6→5)
PE COMPRESSION
$33.35
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 17.6%)
$190.35
(+471%)
Base:
(SPY PE: 5.7, Growth: 17.6%)
$54.25
(+63%)
Bear:
(PE: 4.9, Growth: 17.6%)
$46.11
(+38%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (7x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 7.09 | Current EPS (TTM): $4.79
Bull Case
$45.47
(+33%)
Analyst growth 21.6%, PE expands to 7.8
Base Case
$41.33
(+21%)
Market implied 21.6%, PE stable at 7.1
Bear Case
$23.11
(-32%)
Severe decline -20.0%, PE contracts to 6.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 12:55 AM ET
Data refreshes hourly during market hours. Next update: 1:55 AM
Data refreshes hourly during market hours. Next update: 1:55 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is RM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
12
Sells
Net
INSIDERS SELLING
Recent Transactions
Fund L.P. Forager
SELL
5788 shares
2026-04-21
Fund L.P. Forager
SELL
15000 shares
2026-04-20
Brian J Fisher
SELL
2961 shares
2026-04-17
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$416 | 44 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$665 | 49 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$257 | 48 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$91 | 53 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$59 | 43 HOLD |
