Regional Management Corp. — Earnings Quality Grade F
RM · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 9.1%, CFFO 14.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -1.8% vs revenue 9.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 6.96. Profits backed by cash
FCF $0.3B, FCF/NI = 6.57
Accruals ratio = -12.6%. Low accruals
Cash $0.0B covers only 0% of debt $1.7B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 9% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 30% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor RM continuously
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Altman Z-Score — Not Applicable
Regional Management Corp. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25