
Regional Management (RM) Stock Forecast & Price Target
Regional Management (RM) Analyst Ratings
Bulls say
Regional Management Corp has recently expanded its operational footprint by opening 15 new branches, including 10 in previously underserved states, which enhances its market presence and customer accessibility. The company is experiencing improvements in roll rates across various delinquency categories, indicating better credit quality and an expected positive impact on the net charge-off (NCO) rate in forthcoming quarters. Additionally, management's strategic decision to tighten underwriting processes in late 2022 and 2023 is anticipated to further strengthen the company's resilience against potential market challenges.
Bears say
Regional Management Corp's second-quarter net income guidance was weaker than expected, raising concerns about the company's ability to achieve meaningful full-year earnings growth, which would necessitate robust performance in the latter half of the year. The company's ongoing expectation of over 10% portfolio growth could exacerbate stress on its lending portfolio, particularly if economic conditions deteriorate further. Additionally, upward revisions to expenses have prompted downward adjustments to earnings per share estimates for 2025 and 2026, contributing to a more cautious outlook on the company's financial health.
This aggregate rating is based on analysts' research of Regional Management and is not a guaranteed prediction by Public.com or investment advice.
Regional Management (RM) Analyst Forecast & Price Prediction
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