What is Regional Management Corp. worth?
With the base-case assumptions below, a discounted cash flow model on Regional Management Corp.'s reported free cash flow gives $654.72 per share. The share price was $35.11 on November 10, 2026, 95% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 6.5% | 10.0% | $344.96 | +883% |
| Base | 11.5% | 9.0% | $654.72 | +1,765% |
| Bull | 16.5% | 8.0% | $1,272.04 | +3,523% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $890.38 | $963.24 | $1,052.29 | $1,163.60 | $1,306.72 |
| 8.0% | $713.82 | $761.07 | $816.91 | $883.92 | $965.82 |
| 9.0% | $585.14 | $617.44 | $654.72 | $698.20 | $749.60 |
| 10.0% | $487.38 | $510.35 | $536.39 | $566.14 | $600.48 |
| 11.0% | $410.73 | $427.57 | $446.39 | $467.57 | $491.57 |
Where the presets come from
Base: years 1 to 5 grow at Regional Management Corp.'s revenue growth rate over the last 5 fiscal years (11.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions