RM Stock Analysis: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$32.25
0.50 (1.57%)
ā²
5d:
-0.59%
30d:
-0.31%
90d:
-18.06%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 29, 2026
28d
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Interactive Price Chart (1 Month)
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Bottom Line:
ā BUY SIGNAL: RM appears deeply undervalued. Market expects -7.9% annual earnings decline despite 32% recent earnings growth. Contrarian opportunity at discount to historical valuation.
ā BUY SIGNAL: RM appears deeply undervalued. Market expects -7.9% annual earnings decline despite 32% recent earnings growth. Contrarian opportunity at discount to historical valuation.
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
34.3% 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 $32.25, which is considered fair relative to its 30-day fair value range of $31.29 to $33.02. From a valuation perspective, the stock is trading at a discount (Forward PE: 4.2) compared to its historical average (5.4). Remarkably, the market is currently pricing in an annual earnings decline of 7.9% 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 $33.07. 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 (+57.5%). 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 $33.07. 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 (+57.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$31.29 -
$33.02
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 57.5% below Wall St target ($50.00)
Fair Price Analysis
30-Day Fair Range
$31.29 -
$33.02
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$30.53
Resistance Level
$33.07
Current Trend
Strong Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.22
Wall Street Target
$50.00
(+57.5%)
Revenue Growth (YoY)
9.6%
Earnings Growth (YoY)
32.5%
Profit Margin
7.1%
Valuation Discount vs History
-7.9% cheaper
PE vs Historical
4.2 vs 5.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.9%
(market-implied from PE analysis)
1-Year Target
$29.24
(-8%)
2-Year Target
$26.93
(-15%)
3-Year Target
$24.80
(-22%)
3-Yr Target (if PE normalizes)
(PE: 4ā5)
$31.70
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 36.7%)
$429.04
(+1251%)
Base:
(SPY PE: 4.2, Growth: 36.7%)
$81.10
(+155%)
Bear:
(PE: 3.6, Growth: 36.7%)
$68.94
(+117%)
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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.
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Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 4.2 to 5.4
Stabilization Target:
$40.58
(+27.8%)
PE Expansion Potential:
+27.8%
Share & Embed Analysis
Last updated: March 31, 2026 4:07 PM ET
Data refreshes hourly during market hours. Next update: 5:07 PM
Data refreshes hourly during market hours. Next update: 5:07 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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2600 shares
2026-02-17
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