RM Stock Analysis: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$32.27
0.01 (0.03%)
▲
5d:
-22.52%
30d:
-23.8%
90d:
-13.6%
WAIT
LOW Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: RM is down 22.5% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: RM is down 22.5% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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 $32.27, which is considered oversold relative to its 30-day fair value range of $38.38 to $43.81. The stock's valuation (Forward PE: 5.5) is in line with its historical norms (5.3). At these levels, the market is pricing in 1.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, RM is in a strong uptrend. Immediate support is located at $30.82, while resistance sits at $43.39.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $43.83 (+35.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, RM is in a strong uptrend. Immediate support is located at $30.82, while resistance sits at $43.39.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $43.83 (+35.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$38.38 -
$43.81
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 35.8% below Wall St target ($43.83)
- NEUTRAL: Market pricing in 1.7% annual earnings growth - fairly valued
- WARNING: Recommendation downgraded due to -22.5% 5-day decline - wait for stabilization
Trading Range Analysis
30-Day Trading Range
$38.38 -
$43.81
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$30.82
Resistance Level
$43.39
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.54
Wall Street Target
$43.83
(+35.8%)
Revenue Growth (YoY)
9.6%
Earnings Growth (YoY)
68.6%
Profit Margin
7.6%
Valuation Premium vs History
+1.7% premium
PE vs Historical
5.5 vs 5.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$32.82
(+2%)
2-Year Target
$33.38
(+3%)
3-Year Target
$33.94
(+5%)
3-Yr Target (if PE normalizes)
(PE: 6→5)
PE COMPRESSION
$32.48
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 17.6%)
$196.61
(+509%)
Base:
(SPY PE: 5.5, Growth: 17.6%)
$52.53
(+63%)
Bear:
(PE: 4.7, Growth: 17.6%)
$44.65
(+38%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 8.58 | Current EPS (TTM): $3.76
Bull Case
$54.99
(+70%)
Analyst growth 55.0%, PE expands to 9.4
Base Case
$49.99
(+55%)
Market implied 55.0%, PE stable at 8.6
Bear Case
$21.94
(-32%)
Severe decline -20.0%, PE contracts to 7.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 11:19 PM ET
Data refreshes hourly during market hours. Next update: 12:19 AM
Data refreshes hourly during market hours. Next update: 12:19 AM
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Technical Signals Check
Is RM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
14
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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