Is Regional Management Corp. (RM) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 60.7% | |
| Operating Margin | 23.6% | |
| Net Margin | 7.1% | |
| Return on Equity (ROE) | 12.2% | |
| Return on Assets (ROA) | 4.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $309M |
| Free Cash Flow | $292M |
| Total Debt | $1.7B |
| Debt-to-Equity | 452.5 |
| Current Ratio | 7.2 |
| Total Assets | $2.1B |
Price & Trading
| Last Close | $32.43 |
| 50-Day MA | $34.17 |
| 200-Day MA | $36.57 |
| Avg Volume | 56K |
| Beta | 1.1 |
|
52-Week Range
$25.41
| |
About Regional Management Corp. (RM)
Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.
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Frequently Asked Questions
Is Regional Management Corp. (RM) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Regional Management Corp. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Regional Management Corp.'s debt ratio?
Regional Management Corp.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Regional Management Corp.'s key financial metrics?
Regional Management Corp. has a market capitalization of $305M, trailing P/E ratio of 7.0, and revenue of $561M. The company maintains a gross margin of 60.7% and a net margin of 7.1%. Return on equity stands at 12.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.