RM NYSE Week ended 31 Jul 2026

Weekly Investor Report

Regional Management Corp · Financial Services · Credit Services

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Latest close 32.27 USD
-22.5% latest week
Weekly setup

Mixed setup

The weekly trend is active. Price is -10.6% below the Trend Line and sits at 14.1% of its 52-week range. The latest completed week returned -22.5%, after a -22.5% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks strongly; valuation is inexpensive relative to peers. Options positioning is bullish with 44/100 conviction, while the latest news-sentiment score is 52/100.

Setup score 35 out of 100
Latest Close 32.27 USD 31 Jul 2026
1W Return -22.5% latest completed week
4W Return -22.5% short-term follow-through
12W Return -7.9% quarterly tape
Trend Breadth 53.8% 28 of 52 weeks active
Volume Ratio 1.7x vs 13-week average
What is working
  • The trend backdrop is active with a 5-week active streak.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
  • Volume is elevated versus the 13-week average, confirming attention.
What could go wrong
  • Price is below the Trend Line, which keeps downside pressure in focus.
  • 3 reversal markers appear in the recent smart-money tape.
  • The share remains more than 20% below its 52-week high.
  • The latest week was a sharp negative move.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through -22.5% Latest completed week; four-week move -22.5%. Indicator stack 47/73 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Options pressure Bullish 44/100 conviction; expected move 31.2%. News sentiment 52/100 47 relevant articles in the latest sentiment read. Event risk 29 Jul Latest stored earnings date was 29 Jul 2026.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is -10.6% below the Trend Line and sits at 14.1% of its 52-week range. The latest completed week returned -22.5%, after a -22.5% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.7x the 13-week average. Participation is unusually strong and confirms that the move is attracting attention.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.7012-week average 0.42

12-week confirmation

Trend active5/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership5/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.70Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers33 reversal markers

No recent accumulation markers. 3 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is -22.5% over four weeks, -7.9% over 12 weeks, and 1.7% over one year. The current trend has remained active for 5 consecutive weeks.

Performance by holding period

1W-22.5%
4W-22.5%
12W-7.9%
26W-11.4%
52W1.7%
Active trend streak5 weeks
Active weeks in one year28
Trend breadth53.8%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.17Latest activity-pressure read.
Pressure change18.3%Four-week change in activity pressure.
Leadership-20.30Latest relative-leadership reading.
RS change-661.5%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks strongly; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Mar 2026 Field coverage 100% Model confidence 96%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength97/100Blend of value, momentum, and quality. Underlying universe rank 4; rank 1 is best.
Value91/100Relative valuation strength. Underlying universe rank 10; rank 1 is best.
Quality85/100Profitability and accounting quality. Underlying universe rank 16; rank 1 is best.
Momentum79/100Medium-term price momentum. Underlying universe rank 22; rank 1 is best.
Growth84/100Revenue and earnings growth. Underlying universe rank 17; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Value-quality framework37/100Value and quality alignment from the Sharemaestro SVQF framework.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
7.9x
Price divided by trailing earnings.
Price / sales
0.6x
Market value relative to trailing revenue.
EV / EBITDA
15.4x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
17.7%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
63.7%
Gross profit retained from each unit of revenue.
Operating margin
16.5%
Operating profit retained from revenue.
Free-cash-flow margin
52.0%
Free cash flow generated from revenue.
Return on invested capital
4.3%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
10.5%
Latest one-year revenue growth.
EPS growth
47.8%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
21.7%
Latest one-year free-cash-flow growth.
Piotroski F-score
6/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
2.9%
Cash dividends relative to market value.
Buyback yield
6.5%
Net share repurchases relative to market value.
Shareholder yield
9.4%
Dividend yield plus net buyback yield.
Net debt / EBITDA
12.3x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningBullish

RM shows bullish options pressure with a 44/100 conviction score, put-call volume ratio of 0.50, expected move of 31.2%, and Sharemaestro trend signal active.

Conviction44/100
Expected move31.2%
Put/call volume0.50
Pressure40
Speculation22
Volatility86
Trend agreement52
Open options detail
Insider activity16 / 4

16 acquisitions and 4 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment52/100

Weighted news tone is neutral across 47 relevant articles.

10 positive · 32 neutral · 5 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings29 JulLatest stored earnings date was 29 Jul 2026.
Options expected move31.2%Nearest-chain priced movement where available.
52-week drawdown-28.1%Distance below the 52-week high.
13-week volatility7.4%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher13 of 2613 weeks finished lower.
Best week+10.3%Week of 26 Jun.
Worst week-22.5%Week of 31 Jul.
Latest week-22.5%Week of 31 Jul.

Shape of recent returns

Strong gains6
Modest gains7
Flat weeks0
Modest losses7
Sharp losses6
Recent vol7.4%13-week weekly-return volatility.
Base vol5.8%52-week weekly-return volatility.
Up/down split25/27Count of positive and negative weeks in the 52-week window.
Average skew4.7% / -4.0%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape41/100

Trend, activity pressure, participation, and risk combine to a 41/100 tape read.

 Indicator analysis55/100

Latest 12-week confirmation: trend 5/12, activity pressure 12/12, relative leadership 5/12.

Activity pressure 0.70; 3 reversal markers Factors88/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Cornerstone Growth rank 32; Buyback Yield rank 9; Small Cap Core rank 6 SVQF37/100

Value and quality alignment from the Sharemaestro SVQF framework.

Composite rank 639.0 of 1013 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options58/100

RM shows bullish options pressure with a 44/100 conviction score, put-call volume ratio of 0.50, expected move of 31.2%, and Sharemaestro trend signal active.

Bullish · Call-side pressure · Expected move 31.2% Sentiment52/100

Weighted news tone is neutral across 47 relevant articles.

Regional Management (NYSE:RM) Price Target Cut to $43.00 by Analysts at Citizens Jmp Insiders16 / 4

16 acquisitions and 4 disposals in the latest 180-day insider tape.

 Earnings29 Jul

Latest stored earnings date was 29 Jul 2026.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 202632.27 USD-22.5%36.10 USD30.29 USD1.17-20.30552.0KOn
24 Jul 202641.65 USD-0.0%36.31 USD30.27 USD1.563.68380.5KOn
17 Jul 202641.66 USD-4.2%36.23 USD30.19 USD1.613.36322.1KOn
10 Jul 202643.50 USD4.4%36.17 USD30.11 USD1.386.47457.3KOn
3 Jul 202641.66 USD1.5%36.04 USD30.02 USD0.993.62298.6KOn
26 Jun 202641.04 USD10.3%35.85 USD29.93 USD0.704.45444.3KOff
19 Jun 202637.20 USD-0.0%35.73 USD29.84 USD0.37-7.26259.2KOff
12 Jun 202637.21 USD3.6%35.67 USD29.77 USD0.42-6.25211.0KOff
5 Jun 202635.93 USD-2.3%35.66 USD29.70 USD0.38-8.83222.6KOff
29 May 202636.76 USD4.0%35.66 USD29.64 USD0.37-8.93216.8KOff
22 May 202635.36 USD4.3%35.71 USD29.56 USD0.37-10.97348.0KOff
15 May 202633.91 USD-3.2%35.87 USD29.47 USD0.42-13.79282.4KOff
8 May 202635.04 USD1.1%36.00 USD29.41 USD0.63-10.75270.1KOff
1 May 202634.64 USD-10.8%36.06 USD29.33 USD0.61-9.75278.1KOff
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.