RM Stock Analysis: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$38.07
0.72 (1.93%)
▲
5d:
+3.54%
30d:
+7.0%
90d:
+16.89%
BUY
MODERATE Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Jul 29, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: RM shows positive signals but monitor for confirmation. Market pricing in 0.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: RM shows positive signals but monitor for confirmation. Market pricing in 0.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$74.58
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$46.31
17.8% Margin of Safety
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 5.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RM is currently trading at $38.07, which is considered extended relative to its 30-day fair value range of $35.10 to $37.14. The stock's valuation (Forward PE: 5.1) is in line with its historical norms (5.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.9% over the next few years. This pessimistic expectation contrasts with the company's recent 68.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, RM is showing sideways momentum. The price is approaching resistance at $37.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: RM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $48.00 (+28.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RM is showing sideways momentum. The price is approaching resistance at $37.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: RM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $48.00 (+28.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$35.10 -
$37.14
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.9%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 28.5% below Wall St target ($48.00)
Trading Range Analysis
30-Day Trading Range
$35.10 -
$37.14
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$33.80
Resistance Level
$37.40
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.07
Wall Street Target
$48.00
(+28.5%)
Revenue Growth (YoY)
9.6%
Earnings Growth (YoY)
68.6%
Profit Margin
7.6%
Valuation Discount vs History
-0.9% cheaper
PE vs Historical
5.1 vs 5.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.9%
(market-implied from PE analysis)
1-Year Target
$37.01
(-1%)
2-Year Target
$36.68
(-2%)
3-Year Target
$36.35
(-3%)
3-Yr Target (if PE normalizes)
(PE: 5→5)
$37.27
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 31.5%)
$364.91
(+877%)
Base:
(SPY PE: 5.1, Growth: 31.5%)
$84.97
(+128%)
Bear:
(PE: 4.3, Growth: 31.5%)
$72.22
(+93%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (5x PE) as earnings recover.
Trailing PE: 7.55 | Current EPS (TTM): $4.93
Bull Case
$61.13
(+64%)
Analyst growth 49.4%, PE expands to 8.3
Base Case
$55.57
(+49%)
Market implied 49.4%, PE stable at 7.6
Bear Case
$25.30
(-32%)
Severe decline -20.0%, PE contracts to 6.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.1 to 5.2
Stabilization Target:
$38.30
(+2.5%)
PE Expansion Potential:
+2.5%
Share & Embed Analysis
Last updated: June 23, 2026 11:04 AM ET
Data refreshes hourly during market hours. Next update: 12:04 PM
Data refreshes hourly during market hours. Next update: 12:04 PM
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Technical Signals Check
Is RM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
20
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
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