RM Stock Analysis: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$41.66
-0.69 (-1.63%)
▼
5d:
+7.01%
30d:
+17.09%
90d:
+27.79%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 29, 2026
24d
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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 2.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: RM shows positive signals but monitor for confirmation. Market pricing in 2.7% annual growth which appears achievable. 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
10.0% 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 $41.66, which is considered extended relative to its 30-day fair value range of $35.52 to $39.77. The stock's valuation (Forward PE: 5.7) is in line with its historical norms (5.2). At these levels, the market is pricing in 2.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, RM is 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 (+15.2%). 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 (+15.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$35.52 -
$39.77
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($48.00)
- NEUTRAL: Market pricing in 2.7% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$35.52 -
$39.77
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.)
5.66
Wall Street Target
$48.00
(+15.2%)
Revenue Growth (YoY)
9.6%
Earnings Growth (YoY)
68.6%
Profit Margin
7.6%
Valuation Premium vs History
+2.7% premium
PE vs Historical
5.7 vs 5.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.7%
(market-implied from PE analysis)
1-Year Target
$42.78
(+3%)
2-Year Target
$43.94
(+6%)
3-Year Target
$45.13
(+8%)
3-Yr Target (if PE normalizes)
(PE: 6→5)
PE COMPRESSION
$41.48
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 31.5%)
$364.91
(+776%)
Base:
(SPY PE: 5.7, Growth: 31.5%)
$94.77
(+128%)
Bear:
(PE: 4.8, Growth: 31.5%)
$80.55
(+93%)
📈
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: 8.59 | Current EPS (TTM): $4.93
Bull Case
$69.59
(+67%)
Analyst growth 49.4%, PE expands to 9.5
Base Case
$63.27
(+52%)
Market implied 49.4%, PE stable at 8.6
Bear Case
$28.80
(-31%)
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: July 03, 2026 7:44 PM ET
Data refreshes hourly during market hours. Next update: 8:44 PM
Data refreshes hourly during market hours. Next update: 8:44 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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