RM
ACHAT TOTAL: 10 000 titres (~316 495,00 $ US)
- Insiders
- Lamba Lakhbir S.
- Total bought
- $316,495
- Total sold
- —
- Last activity
- 2026-08-12
- Last synced
-
2026-08-21 23:36:53
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-09-07
RM presents a mixed profile: a meaningful insider cluster buy post-strong Q2 earnings signals genuine management conviction, and liquidity has improved in 2025, providing a short-term buffer.
The first sentence of the analysis written for RM on 2026-09-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 52.3% | 51.3% | 47.9% | 56.8% | 71.9% | |
| Ebit Margin | 12.4% | 9.2% | 3.8% | 12.9% | 26.3% | |
| Ebitda Margin | 14.3% | 11.6% | 6.4% | 15.4% | 29.0% | |
| Operating Profit Margin | 12.4% | 9.2% | 3.8% | 12.9% | 26.3% | |
| Pretax Profit Margin | 8.9% | 9.2% | 3.8% | 12.9% | 26.3% | |
| Continuous Operations Profit Margin | 6.9% | 7.0% | 2.9% | 10.1% | 20.7% | |
| Net Profit Margin | 6.9% | 7.0% | 2.9% | 10.1% | 20.7% | |
| Bottom Line Profit Margin | 6.9% | 7.0% | 2.9% | 10.1% | 20.7% | |
| Current Ratio | 8.394 | 0.054 | 0.111 | 0.162 | 0.091 | |
| Quick Ratio | 8.394 | 0.054 | 0.111 | 0.162 | 0.091 | |
| Solvency Ratio | 0.031 | 0.036 | 0.021 | 0.045 | 0.085 | |
| Cash Ratio | 0.416 | 0.013 | 0.018 | 0.024 | 0.044 | |
| Price To Earnings Ratio | 8.369 | 7.939 | 14.753 | 5.096 | 6.500 | |
| Price To Earnings Growth Ratio | 1.023 | 0.052 | -0.213 | -0.135 | 0.025 | |
| Forward Price To Earnings Growth Ratio | 1.023 | 0.052 | -0.213 | -0.135 | 0.025 | |
| Price To Earnings Diluted Ratio | 8.708 | 8.208 | 15.108 | 5.298 | 6.898 | |
| Price To Earnings Diluted Growth Ratio | 1.163 | 0.055 | -0.220 | -0.146 | 0.028 | |
| Price To Book Ratio | 1.031 | 0.917 | 0.731 | 0.846 | 2.039 | |
| Price To Sales Ratio | 0.596 | 0.557 | 0.427 | 0.515 | 1.346 | |
| Price To Free Cash Flow Ratio | 1.318 | 1.241 | 0.994 | 1.226 | 3.165 | |
| Price To Operating Cash Flow Ratio | 1.245 | 1.218 | 0.946 | 1.164 | 3.050 | |
| Debt To Assets Ratio | 0.794 | 0.792 | 0.798 | 0.801 | 0.773 | |
| Debt To Equity Ratio | 4.648 | 4.236 | 4.443 | 4.480 | 3.988 | |
| Debt To Capital Ratio | 0.823 | 0.809 | 0.816 | 0.818 | 0.800 | |
| Long Term Debt To Capital Ratio | 0.796 | 0.764 | 0.781 | 0.793 | 0.752 | |
| Financial Leverage Ratio | 5.853 | 5.346 | 5.568 | 5.589 | 5.163 | |
| Working Capital Turnover Ratio | 0.894 | -2.279 | -3.099 | -2.846 | -1.637 | |
| Operating Cash Flow Ratio | 1.311 | 0.852 | 1.017 | 1.362 | 0.787 | |
| Operating Cash Flow Sales Ratio | 0.479 | 0.457 | 0.452 | 0.442 | 0.441 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.945 | 0.981 | 0.952 | 0.949 | 0.964 | |
| Debt Service Coverage Ratio | 0.246 | 0.142 | 0.098 | 0.321 | 0.369 | |
| Interest Coverage Ratio | 0.947 | 0.726 | 0.308 | 1.909 | 3.588 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.311 | 0.852 | 1.017 | 1.362 | 0.787 | |
| Operating Cash Flow Coverage Ratio | 0.178 | 0.178 | 0.174 | 0.162 | 0.168 | |
| Capital Expenditure Coverage Ratio | 18.099 | 53.211 | 20.643 | 19.664 | 27.549 | |
| Dividend Paid And Capex Coverage Ratio | 10.821 | 15.639 | 10.401 | 9.856 | 11.527 | |
| Dividend Payout Ratio | 0.259 | 0.295 | 0.745 | 0.222 | 0.108 | |
| Enterprise Value Multiple | 21.947 | 26.945 | 46.955 | 21.019 | 13.645 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 52.3% | ▲1.1% | ▼-3.7% |
| Ebit Margin | 12.4% | ▲3.3% | ▼-0.5% |
| Ebitda Margin | 14.3% | ▲2.7% | ▼-1.1% |
| Operating Profit Margin | 12.4% | ▲3.3% | ▼-0.5% |
| Pretax Profit Margin | 8.9% | ▼-0.2% | ▼-3.3% |
| Continuous Operations Profit Margin | 6.9% | ▼-0.1% | ▼-2.6% |
| Net Profit Margin | 6.9% | ▼-0.1% | ▼-2.6% |
| Bottom Line Profit Margin | 6.9% | ▼-0.1% | ▼-2.6% |
| Current Ratio | 8.394 | ▲8.340 | ▲6.632 |
| Quick Ratio | 8.394 | ▲8.340 | ▲6.632 |
| Solvency Ratio | 0.031 | ▼-0.005 | ▼-0.013 |
| Cash Ratio | 0.416 | ▲0.403 | ▲0.313 |
| Price To Earnings Ratio | 8.369 | ▲0.430 | ▼-0.162 |
| Price To Earnings Growth Ratio | 1.023 | ▲0.971 | ▲0.873 |
| Forward Price To Earnings Growth Ratio | 1.023 | ▲0.971 | ▲0.873 |
| Price To Earnings Diluted Ratio | 8.708 | ▲0.500 | ▼-0.136 |
| Price To Earnings Diluted Growth Ratio | 1.163 | ▲1.108 | ▲0.987 |
| Price To Book Ratio | 1.031 | ▲0.114 | ▼-0.082 |
| Price To Sales Ratio | 0.596 | ▲0.039 | ▼-0.092 |
| Price To Free Cash Flow Ratio | 1.318 | ▲0.076 | ▼-0.271 |
| Price To Operating Cash Flow Ratio | 1.245 | ▲0.027 | ▼-0.280 |
| Debt To Assets Ratio | 0.794 | ▲0.002 | ▲0.002 |
| Debt To Equity Ratio | 4.648 | ▲0.412 | ▲0.289 |
| Debt To Capital Ratio | 0.823 | ▲0.014 | ▲0.010 |
| Long Term Debt To Capital Ratio | 0.796 | ▲0.032 | ▲0.018 |
| Financial Leverage Ratio | 5.853 | ▲0.507 | ▲0.349 |
| Working Capital Turnover Ratio | 0.894 | ▲3.173 | ▲2.688 |
| Operating Cash Flow Ratio | 1.311 | ▲0.459 | ▲0.245 |
| Operating Cash Flow Sales Ratio | 0.479 | ▲0.022 | ▲0.025 |
| Free Cash Flow Operating Cash Flow Ratio | 0.945 | ▼-0.036 | ▼-0.013 |
| Debt Service Coverage Ratio | 0.246 | ▲0.104 | ▲0.010 |
| Interest Coverage Ratio | 0.948 | ▲0.222 | ▼-0.548 |
| Short Term Operating Cash Flow Coverage Ratio | 1.311 | ▲0.459 | ▲0.245 |
| Operating Cash Flow Coverage Ratio | 0.178 | ▲0.000 | ▲0.006 |
| Capital Expenditure Coverage Ratio | 18.099 | ▼-35.112 | ▼-9.735 |
| Dividend Paid And Capex Coverage Ratio | 10.821 | ▼-4.818 | ▼-0.828 |
| Dividend Payout Ratio | 0.259 | ▼-0.036 | ▼-0.067 |
| Enterprise Value Multiple | 21.947 | ▼-4.998 | ▼-4.155 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $384.8M | $327.6M | $235.7M | $261.0M | $576.6M | |
| Enterprise value | $2.02B | $1.84B | $1.66B | $1.64B | $1.69B | |
| EV / Sales | 3.13x | 3.12x | 3.02x | 3.23x | 3.95x | |
| EV / Op. cash flow | 6.54x | 6.83x | 6.67x | 7.31x | 8.96x | |
| EV / Free cash flow | 6.92x | 6.96x | 7.01x | 7.70x | 9.30x | |
| EV / EBITDA | 21.95x | 26.95x | 46.95x | 21.02x | 13.64x | |
| Net debt / EBITDA | 17.77x | 22.14x | 40.30x | 17.67x | 9.00x | |
| Current ratio | 8.39x | 0.05x | 0.11x | 0.16x | 0.09x | |
| Income quality | 6.96x | 6.52x | 15.61x | 4.38x | 2.13x | |
| Graham number | $61 | $60 | $36 | $64 | $75 | |
| Graham net-net | -$32 | -$160 | -$155 | -$151 | -$116 | |
| Tax burden | 76.9% | 76.2% | 76.8% | 78.4% | 78.9% | |
| Interest burden | 71.9% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $1.74B | -$298.5M | -$217.8M | -$138.0M | -$218.4M | |
| Invested capital | $1.83B | -$221.9M | -$153.9M | -$76.9M | -$167.2M | |
| Return on assets | 2.0% | 2.2% | 0.9% | 3.0% | 6.1% | |
| Operating ROA | 3.9% | 2.9% | 1.2% | 4.1% | 8.8% | |
| Return on tangible assets | 2.1% | 2.2% | 0.9% | 3.0% | 6.1% | |
| Return on equity | 11.9% | 11.5% | 5.0% | 16.6% | 31.4% | |
| Return on invested capital | 2.8% | 2.2% | 0.9% | 3.0% | 6.1% | |
| Return on capital employed | 4.1% | 3.4% | 1.3% | 4.2% | 9.2% | |
| Earnings yield | 11.5% | 12.6% | 6.8% | 19.6% | 15.4% | |
| Free cash flow yield | 75.9% | 80.6% | 100.6% | 81.6% | 31.6% | |
| Capex / Op. cash flow | 5.5% | 1.9% | 4.8% | 5.1% | 3.6% | |
| Capex / Depreciation | 105.1% | 35.9% | 82.5% | 89.9% | 58.9% | |
| Capex / Sales | 2.6% | 0.9% | 2.2% | 2.2% | 1.6% | |
| SG&A / Sales | 37.2% | 37.7% | 39.6% | 39.2% | 40.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.8% | 1.9% | 2.1% | 2.1% | 1.7% | |
| Intangibles / Total assets | 1.5% | 1.3% | 0.9% | 0.7% | 0.7% | |
| Days sales outstanding | 1055d | 3d | 9d | 10d | 2d | |
| Days payables outstanding | 47d | 0d | 0d | 0d | 0d | |
| Operating cycle | 1055d | 3d | 9d | 10d | 2d | |
| Cash conversion cycle | 1009d | 3d | 9d | 10d | 2d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+17.5%EV / Sales ▲+0.3%EV / EBITDA ▼-18.6%EV / Op. cash flow ▼-0.289Earnings yield ▼-0.010Graham number ▲+1.788
Profitability
Return on equity ▲+0.004Return on assets ▼-0.001Return on invested capital ▲+0.007Return on capital employed ▲+0.007Operating ROA ▲+0.010Income quality ▲+0.436Tax burden ▲+0.006
Efficiency
Days sales outstanding ▲+1052.580Days payables outstanding n/aOperating cycle ▲+1052.580Cash conversion cycle ▲+1005.891Capex / Sales ▲+0.018R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+8.340Net debt / EBITDA ▼-4.370Working capital ▲+2041351000.000Invested capital ▲+2053473000.000Intangibles / Total assets ▲+0.002
Change over 5 years
Valuation
Market cap ▼-33.3%EV / Sales ▼-20.8%EV / EBITDA ▲+60.8%EV / Op. cash flow ▼-2.422Earnings yield ▼-0.038Graham number ▼-13.369
Profitability
Return on equity ▼-0.195Return on assets ▼-0.040Return on invested capital ▼-0.032Return on capital employed ▼-0.051Operating ROA ▼-0.048Income quality ▲+4.828Tax burden ▼-0.020
Efficiency
Days sales outstanding ▲+1052.920Days payables outstanding n/aOperating cycle ▲+1052.920Cash conversion cycle ▲+1006.231Capex / Sales ▲+0.010R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+8.303Net debt / EBITDA ▲+8.768Working capital ▲+1961182000.000Invested capital ▲+1998771000.000Intangibles / Total assets ▲+0.008
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-30 Regional Management Q2 Earnings Call Highlights Regional Management NYSE: RM reported second-quarter net income of $8.2 million, or $0.85 per diluted share, as revenue growth and improved operating efficiency were partly offset by higher credit-loss provisions and slower-than-expected portfolio expansion.
- 2026-07-29 Regional Management Corp. (RM) Q2 2026 Earnings Call Transcript Regional Management Corp. (RM) Q2 2026 Earnings Call Transcript
- 2026-07-29 Regional Management Corp. Announces Second Quarter 2026 Results GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the second quarter ended June 30, 2026. “We delivered strong second quarter revenue of $168 million and improved our operating expense ratio by 80 basis points year-over-year to 12.4%, while growing our higher-quality auto-secured portfolio and returning capital to shareholders,” said Lakhbir S. Lamba, President and Chief Executive Officer of Regional Mana.
- 2026-07-09 Roxmore Resources Reports Strong Drill Results at the Converse Gold Project, Battle Mountain - Eureka Trend Nevada Vancouver, British Columbia--(Newsfile Corp. - July 9, 2026) - Roxmore Resources Inc. (TSX: RM) (OTCQX: GARLF) ("Roxmore" or the "Company") is pleased to report gold and silver assay results from the ongoing drill campaign at its flagship Converse Gold Project ("Converse" or the "Project"). Highlights include hole CV26-010C, which returned a significant intercept of 247.2m grading 0.51 g/t Au and 3.79 g/t Ag from 131.7m including 34.3m grading 1.25 g/t Au from 246.3m.
- 2026-07-01 Regional Management Corp. to Report Second Quarter 2026 Results on Wednesday, July 29, 2026 GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today that it will report its second quarter 2026 results after the market closes on Wednesday, July 29, 2026. The company will hold a conference call to discuss results at 5:00 PM ET on that day. A live webcast of the conference call will be available on Regional Management''s website at www.RegionalManagement.com. The dial-in number for the conference call is (877) 407-075.
- 2026-06-24 Cytta Corp CEO Shareholder Update LAS VEGAS, NV / ACCESS Newswire / June 24, 2026 / Dear Shareholders, Cytta continues to execute its strategy of creating shareholder value through the development, commercialization, and strategic ownership of proprietary technologies addressing the defense, public safety, critical infrastructure, communications, security, and autonomous systems markets. Return to OTC Reporting Status As previously disclosed, Cytta Corp (CYCA) licensed its SUPR compression technology to Reticulate Micro (RM) and received 5.1 million RM Class A shares.
- 2026-06-11 Roxmore Announces Voting Results From its Annual General Meeting of Shareholders Vancouver, British Columbia--(Newsfile Corp. - June 11, 2026) - Roxmore Resources Inc. (TSX: RM) (OTCQX: GARLF) (formerly, Axcap Ventures Inc.) ("Roxmore" or the "Company") is pleased to announce the results from its annual general meeting of shareholders (the "Meeting") held earlier today. A total of 15,105,351 common shares ("Shares") were voted in person or represented by proxy at the Meeting, representing approximately 21.43% of the votes attached to all the outstanding Shares as at the record date of the Meeting.
- 2026-06-10 Carlyle Commodities Advances Silver Pony Transaction and Receives $1.25 Million in Roxmore (RM) Shares for Newton Gold Project Vancouver, British Columbia--(Newsfile Corp. - June 10, 2026) - Carlyle Commodities Corp. (CSE: CCC) (FSE: BJ4) (OTC: CCCFF) ("Carlyle" or the "Company") is pleased to provide an update on the previously announced proposed transaction (the "Transaction") with Silver Pony Resources Corp. ("SPR"), pursuant to which the Company will acquire all of the issued and outstanding shares of SPR by way of a three-cornered amalgamation in accordance with Section 269 of the Business Corporations Act (British Columbia), as further described in the Company''s news release dated March 31, 2026. The Transaction will constitute a "Fundamental Change" of the Company as defined by the policies of the Canadian Securities Exchange (the "CSE").
- 2026-06-09 Regional Management Seems Skilled At Navigating The K-Shaped Economy (Rating Upgrade) Regional Management Corporation (RM) is upgraded to a soft Buy, reflecting strong earnings growth and a deeply discounted valuation despite macro risks. RM reported record revenues and robust EPS growth, with Q1 2026 net income up 63% year-over-year and operating expense ratio at an all-time best 12.2%. Forward PE of 6.4 and analyst EPS targets suggest RM trades at a significant discount to peers, with a tangible book value premium and 3.34% dividend yield.
- 2026-06-03 Roxmore Makes Secondary Payment for Newton Gold Project Vancouver, British Columbia--(Newsfile Corp. - June 3, 2026) - Roxmore Resources Inc. (TSX: RM) (OTCQX: GARLF) (formerly, Axcap Ventures Inc.) ("Roxmore" or the "Company") is pleased to announce that, further to its news release on June 3, 2025, it has completed the secondary payment to acquire the Newton Gold Project (the "Transaction") by issuing common shares of the Company (the "Common Shares") to Carlyle Commodities Corp. ("Carlyle") pursuant to the terms of the mineral property purchase agreement with dated May 23, 2025 (the "Mineral Property Purchase Agreement"). Pursuant to the Mineral Property Purchase Agreement, the Company issued 312,500 Common Shares to Carlyle, which have an aggregate deemed value of C$1,250,000 (the "Secondary Payment Shares"), at an issue price of C$4.00 per Common Share, being the 20-day value-weighted average price of the Common Shares, ending at June 2, 2026.