RM Stock Analysis: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$38.62
0.11 (0.29%)
ā²
5d:
+4.58%
30d:
-1.58%
90d:
-1.86%
BUY
HIGH Confidence
Last Updated: February 3, 2026
Earnings: Feb 04, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
ā BUY SIGNAL: RM shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
ā BUY SIGNAL: RM shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$75.73
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$47.02
17.9% 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 6.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RM is currently trading at $38.62, which is considered slightly high relative to its 30-day fair value range of $36.92 to $39.16. The stock's valuation (Forward PE: 6.2) is in line with its historical norms (6.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% over the next few years. This pessimistic expectation contrasts with the company's recent 86.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, RM is in a downtrend. The price is approaching resistance at $39.65. 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 (+29.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RM is in a downtrend. The price is approaching resistance at $39.65. 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 (+29.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$36.92 -
$39.16
Company Quality Score
63/100
(BUY)
Options IV Signal
35th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
75.0%
All Signals
- NEUTRAL: Options fairly priced (IV 35th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 29.5% below Wall St target ($50.00)
Fair Price Analysis
30-Day Fair Range
$36.92 -
$39.16
Current vs Fair Value
SLIGHTLY HIGH
Expected Move (7 Days)
Ā±$3.44
(8.9%)
Support & Resistance Levels
Support Level
$35.16
Resistance Level
$39.65
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
6.16
Wall Street Target
$50.00
(+29.5%)
Revenue Growth (YoY)
13.2%
Earnings Growth (YoY)
86.8%
Profit Margin
6.8%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
6.2 vs 6.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$38.54
(0%)
2-Year Target
$38.47
(0%)
3-Year Target
$38.39
(-1%)
3-Yr Target (if PE normalizes)
(PE: 6ā6)
$38.66
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 41.5%)
$396.39
(+926%)
Base:
(SPY PE: 6.2, Growth: 41.5%)
$109.44
(+183%)
Bear:
(PE: 5.2, Growth: 41.5%)
$93.03
(+141%)
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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: 9.32 | Current EPS (TTM): $4.13
Bull Case
$64.34
(+67%)
Analyst growth 51.9%, PE expands to 10.3
Base Case
$58.49
(+51%)
Market implied 51.9%, PE stable at 9.3
Bear Case
$26.19
(-32%)
Severe decline -20.0%, PE contracts to 7.9
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 6.2 to 6.2
Stabilization Target:
$38.89
(+0.7%)
PE Expansion Potential:
+0.7%
Last updated: February 04, 2026 6:30 AM ET
Data refreshes hourly during market hours. Next update: 7:30 AM
Data refreshes hourly during market hours. Next update: 7:30 AM
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Technical Signals Check
Is RM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Robert William Beck
SELL
10000 shares
2025-08-11
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