RM Stock Analysis: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$33.12
0.52 (1.60%)
ā²
5d:
+2.13%
30d:
-2.33%
90d:
-14.53%
BUY
MODERATE Confidence
Analysis Updated: Apr 2, 2026 12:00 AM ET
Earnings: Apr 29, 2026
23d
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Interactive Price Chart (1 Month)
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Bottom Line:
š” BUY OPPORTUNITY: RM shows positive signals but monitor for confirmation. Market pricing in 6.3% decline. Moderate conviction.
š” BUY OPPORTUNITY: RM shows positive signals but monitor for confirmation. Market pricing in 6.3% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$79.03
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$49.07
32.5% 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 5.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RM is currently trading at $33.12, which is considered extended relative to its 30-day fair value range of $31.37 to $32.90. From a valuation perspective, the stock is trading at a discount (Forward PE: 4.4) compared to its historical average (5.4). Remarkably, the market is currently pricing in an annual earnings decline of 6.3% over the next few years. This pessimistic expectation contrasts with the company's recent 32.5% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, RM is in a strong downtrend. The price is approaching resistance at $33.13. 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 $50.00 (+51.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RM is in a strong downtrend. The price is approaching resistance at $33.13. 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 $50.00 (+51.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$31.37 -
$32.90
Company Quality Score
62/100
(BUY)
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 51.0% below Wall St target ($50.00)
Fair Price Analysis
30-Day Fair Range
$31.37 -
$32.90
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$30.75
Resistance Level
$33.13
Current Trend
Strong Downtrend
Technical data as of
Apr 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.41
Wall Street Target
$50.00
(+51.0%)
Revenue Growth (YoY)
9.6%
Earnings Growth (YoY)
32.5%
Profit Margin
7.1%
Valuation Discount vs History
-6.3% cheaper
PE vs Historical
4.4 vs 5.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.3%
(market-implied from PE analysis)
1-Year Target
$31.03
(-6%)
2-Year Target
$29.08
(-12%)
3-Year Target
$27.25
(-18%)
3-Yr Target (if PE normalizes)
(PE: 4ā5)
$33.38
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.6, Growth: 36.7%)
$394.87
(+1092%)
Base:
(SPY PE: 4.4, Growth: 36.7%)
$84.60
(+155%)
Bear:
(PE: 3.7, Growth: 36.7%)
$71.91
(+117%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (7x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 7.06 | Current EPS (TTM): $4.45
Bull Case
$58.35
(+79%)
Analyst growth 68.9%, PE expands to 7.8
Base Case
$53.04
(+63%)
Market implied 68.9%, PE stable at 7.1
Bear Case
$21.36
(-34%)
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.
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 4.4 to 5.4
Stabilization Target:
$40.58
(+22.5%)
PE Expansion Potential:
+22.5%
Share & Embed Analysis
Last updated: April 05, 2026 6:22 PM ET
Data refreshes hourly during market hours. Next update: 7:22 PM
Data refreshes hourly during market hours. Next update: 7:22 PM
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Technical Signals Check
Is RM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
13
Sells
Net
INSIDERS SELLING
Recent Transactions
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SELL
2600 shares
2026-02-17
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400 shares
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809 shares
2026-01-13
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