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 $660.05 per share. The share price was $30.82 on September 25, 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% | $350.29 | +1,037% |
| Base | 11.5% | 9.0% | $660.05 | +2,042% |
| Bull | 16.5% | 8.0% | $1,277.37 | +4,045% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $895.71 | $968.57 | $1,057.62 | $1,168.93 | $1,312.05 |
| 8.0% | $719.15 | $766.40 | $822.24 | $889.25 | $971.14 |
| 9.0% | $590.46 | $622.77 | $660.05 | $703.53 | $754.93 |
| 10.0% | $492.70 | $515.68 | $541.71 | $571.47 | $605.80 |
| 11.0% | $416.06 | $432.90 | $451.72 | $472.90 | $496.90 |
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