Regional Management's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Regional Management (RM) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Regional Management vs Its Competitors
- TTM: Trailing 12-month revenue of 670M vs 238,574M combined for tracked competitors (0.3% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.2% annualized vs trailing 12 months), vs accelerating (+5.6%) for its tracked peer group.
- Growth: Regional Management generated 6.7% revenue growth year over year in Q2 2026, vs 15.5% for its tracked competitors combined.
- Profitability: Its 4.9% net margin compares with 28.6% for the peer group.
- Scale: Regional Management ranks #23 of 30 companies by market capitalization in the Consumer Financial Services industry, holding 0.1% of industry market cap.
- Peer revenue share: Regional Management accounted for 0.3% of combined revenue among its tracked peer group, down from 0.3% a year earlier.
- Peer differentiation: Revenue per employee of $0.32M compares with $0.54M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
RM Sales vs. its Competitors, Q2 2026
Regional Management reported revenue growth of 6.71 % year on year in Q2 2026, below its competitors' combined revenue growth of 15.52 %.
With a net margin of 4.85 %, Regional Management reported lower profitability than its competitors (28.64 %).
Regional Management generated 0.27 % of the combined sales of its peer group, down from 0.29 % a year earlier.
Regional Management vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Regional Management and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Regional Management Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (9) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Regional Management's competitor groups requires a Commercial License.
For context: the Consumer Financial Services industry grew revenue 9.0% year over year, combined, vs 6.7% for Regional Management. Regional Management's share of combined industry revenue moved from 0.40% to 0.39%, a loss of 0.01 percentage points.
Regional Management's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Regional Management Corp | Yes | Yes | Yes | Yes |
| Competitors combined (20) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
RM Stock Performance relative to its Competitors
RM Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Atlanticus Holdings Corp | 282.9% | Outperformed |
| 2 | Enova International Inc | 282.9% | Outperformed |
| 3 | Northern Trust Corporation | 282.9% | Outperformed |
| 4 | Comerica Incorporated | 282.9% | Outperformed |
| 5 | M and t Bank Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Regional Management's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Regional Management's Comment on Competition and Industry Peers
Small and Large Loans. The installment loan industry is highly fragmented in the nine states in which we operate. We compete with several large competitors operating greater than 800 branch locations each, as well as a handful of private competitors with between 100 and 250 branches in certain of the states in which we operate. We believe that the majority of our competitors are independent operators with generally less than 100 branches. We believe that competition between installment consumer loan companies occurs primarily on the basis of price, breadth of loan product offerings, flexibility of loan terms offered, and the quality of customer service provided. While underbanked customers may also use alternative financial services providers, such as title lenders, payday lenders, and pawn shops, their products offer different terms and typically carry substantially higher interest rates and fees than our installment loans. Accordingly, we believe alternative financial services providers are not an attractive alternative for customers who meet our underwriting standards, which are generally stricter than the underwriting standards of alternative financial services providers. Our small and large loans also compete with pure online lenders, peer-to-peer lenders, and issuers of non-prime credit cards.
Automobile Loans. In the automobile loan industry, we compete with numerous
financial service companies, including non-prime auto lenders, dealers that
provide financing, captive finance companies owned by automobile manufacturers,
banks, and credit unions. Competition among automobile lenders is fierce and
is largely on the basis of interest rates charged, the quality of credit accepted,
the flexibility of loan terms offered, the speed of approval, and the quality
of customer service provided. Much of the automobile loan marketplace has evolved
to processing loan applications generated at dealers through online credit application
networks such as DealerTrack or RouteOne where prompt service and response times
to dealers and their customers are essential to compete in this market.
Retail Loans. In recent years, the retail loan industry has seen an increasing
number of lenders dedicated to serving non-prime retail loans enter the market.
We also face competition from rent-to-own financing providers and credit card
companies. Our retail loans are typically made at competitive rates, and competition
is largely on the same basis as automobile loans. Point-of-sale financing decisions
must be made rapidly while the customer is on the sales floor. We endeavor to
provide responses to customers in less than ten minutes, and we staff RMC Retail,
our centralized retail loan underwriting team, with multiple shifts seven days
per week during peak retail shopping hours to ensure rapid response times.
Publicly Traded Peers of Regional Management Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Regional Management Corp | 292.25 | 670.49 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Schwab Charles Corp | 170,943.70 | 26,025.00 |
| Pnc Financial Services Group Inc | 90,139.01 | 25,026.00 |
| Truist Financial Corporation | 58,346.39 | 19,028.00 |
| M and t Bank Corporation | 32,351.33 | 9,451.00 |
| SUBTOTAL | 852,255.63 | 244,525.79 |
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Sources: Regional Management Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Regional Management Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Regional Management's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Core and Main Inc | Named by the company | 85% |
| Inspired Entertainment Inc | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Regional Management's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Regional Management's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Schwab Charles Corp | Investor Services 78.17 % |
| Diebold Nixdorf Incorporated | Banking 68.21 % |
| Atlanticus Holdings Corp | Credit and Other Investments 98.51 % |
| Lendingtree inc | Insurance 66.77 % |
| Inspired Entertainment Inc | Gaming 36.93 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Regional Management's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Regional Management Corp | 292 | 317,464 | 22,168 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Schwab Charles Corp | 170,944 | 788,636 | 305,939 |
| Pnc Financial Services Group Inc | 90,139 | 452,280 | 138,832 |
| Truist Financial Corporation | 58,346 | 513,078 | 157,472 |
| M and t Bank Corporation | 32,351 | 422,334 | 129,994 |
| PEERS TOTAL | 851,963 | 540,339 | 154,626 |
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Regional Management's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Enova International Inc | US 97.28 % |
| Inspired Entertainment Inc | GB 68.96 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Regional Management's Position in Industry Market Structure
Market-capitalization share and concentration across all 29 companies in Regional Management's industry classification, broader than the peer set above. Market cap in millions of $.Regional Management ranks #23 of 29 companies by market capitalization in its industry, holding 0.07 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,784, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | S and p Global Inc | 125,674 | 31.66 % |
| 2 | Moody s Corporation | 80,826 | 20.36 % |
| 3 | Paccar Inc | 58,593 | 14.76 % |
| 4 | Rocket Companies Inc | 33,227 | 8.37 % |
| 5 | Affirm Holdings Inc | 1,234 | 5.2% |
| 6 | Equifax Inc | 1,234 | 5.2% |
| 7 | Transunion | 1,234 | 5.2% |
| 8 | Onemain Holdings Inc | 1,234 | 5.2% |
| 9 | Credit Acceptance Corp | 1,234 | 5.2% |
| 10 | Enova International Inc | 1,234 | 5.2% |
| 23 | Regional Management Corp | 296 | 0.07 % |
Market cap and industry share for the rest of Regional Management's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Regional Management's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 18 | Pra Group Inc | 801 | 31.45 % |
| 19 | World Acceptance Corporation | 790 | -4.56 % |
| 20 | Plumas Bancorp | 440 | 44.52 % |
| 21 | Uwm Holdings Corporation | 395 | -81.22 % |
| 22 | Lesaka Technologies Inc | 1,234 | 12.3% |
| 23 | Regional Management Corp | 296 | -27.37 % |
| 24 | Onity Group Inc | 1,234 | 12.3% |
| 25 | Finance Of America Companies Inc | 1,234 | 12.3% |
| 26 | Usio Inc | 1,234 | 12.3% |
| 27 | Old Market Capital Corp | 1,234 | 12.3% |
| 28 | Creditriskmonitor com Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Regional Management's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Regional Management's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Consumer Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (37 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 63.05 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 21.40 % | 30.50 % (avg) | -9.1 pp |
| Capital Intensity (Capex / Revenue) | 2.62 % | 8.55 % (avg) | -5.9 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Regional Management's Valuation vs Competitive Position
Valuation multiples vs the Consumer Financial Services industry average (37 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 8.0x | 19.3x | -11.3x |
| EV / EBITDA | 13.8x | 11.7x | +2.2x |
| P/B | 1.0x | 2.7x | -1.7x |
| Return on Equity | 12.49 % | industry aggregate | -4.33 % |
| Return on Invested Capital | - | 4.81 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Regional Management's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 12.57 % | 15.98 % | 5.11 % | 14.56 % | 18.40 % | 8.72 % | 6.73 % | 9.70 % |
| Operating Margin | -148.37 % | 27.14 % | 20.77 % | 23.02 % | 41.39 % | 3.77 % | 9.19 % | 8.95 % |
| Return on Invested Capital | -40.43 % | 7.24 % | 5.96 % | 6.42 % | 10.99 % | 0.99 % | 2.45 % | 2.40 % |
| P/E | 9.0x | 8.0x | 11.7x | 6.8x | 5.8x | 14.6x | 7.8x | 8.6x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Regional Management's BCG Growth-Share Matrix
Relative market share (vs Regional Management's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Regional Management falls in the Dog quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 6.2% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Regional Management's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,784 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 2.62 % vs industry average 8.55 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Regional Management's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Regional Management's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Regional Management's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Regional Management falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Regional Management's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
No rule matched.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Regional Management's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Regional Management Corp | 0.12 | 44.42 | 4.34 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Schwab Charles Corp | 0.10 | 1.04 | 0.79 |
| Pnc Financial Services Group Inc | 0.03 | 0.02 | 1.15 |
| Truist Financial Corporation | 0.09 | 0.16 | 1.08 |
| M and t Bank Corporation | 0.03 | 0.15 | 0.57 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Regional Management's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Regional Management Corp | Q2 2026 | +6.7 % | -19.6 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Schwab Charles Corp | Q2 2026 | +20.9 % | +31.7 % |
| Pnc Financial Services Group Inc | Q2 2026 | +21.4 % | +25.1 % |
| Truist Financial Corporation | Q2 2026 | +8.2 % | +25.2 % |
| M and t Bank Corporation | Q2 2026 | +6.2 % | +20.2 % |
| PEERS TOTAL | +15.2 % | +21.8 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Regional Management's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Regional Management Corp | Q2 2026 | +13.9 % | +17.2 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Schwab Charles Corp | Q2 2026 | - | +44.5 % |
| Pnc Financial Services Group Inc | Q2 2026 | - | - |
| Truist Financial Corporation | Q2 2026 | -24.2 % | - |
| M and t Bank Corporation | Q2 2026 | - | -19.2 % |
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Regional Management's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Regional Management Corp | 2.25% | 2.20% | 12.49% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Schwab Charles Corp | 2.05% | 4.01% | 20.38% |
| Pnc Financial Services Group Inc | 1.30% | 3.15% | 12.42% |
| Truist Financial Corporation | 1.06% | 2.65% | 9.01% |
| M and t Bank Corporation | 1.35% | 3.30% | 10.22% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Regional Management's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Regional Management Corp | 6.41 | 0.44 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Schwab Charles Corp | 118.43 | 6.57 |
| Pnc Financial Services Group Inc | 12.33 | 3.60 |
| Truist Financial Corporation | 10.83 | 3.07 |
| M and t Bank Corporation | 11.73 | 3.42 |
| PEERS AVERAGE | 12.20 | 3.49 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.