Is RM or SLM more undervalued in 2026?

CirclFi compares Regional Management Corp. (RM) and SLM Corporation (SLM) using 13 institutional-grade valuation models. RM has a Quality of Company score of 8.1/10 while SLM scores 7.6/10.

Which is a better buy — RM or SLM?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do RM and SLM valuations compare?

RM at $36.28 and SLM at $21.88 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RM vs SLM Valuation Comparison 2026 — Intrinsic Value Analysis

RM

Credit Services

Regional Management Corp.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$36.28

Last close

Models

7/13

Active

SLM

Credit Services

SLM Corporation

Quality

7.6

out of 10

Value Trap

LOW

Price

$21.88

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	RM Fair Value	RM Upside	SLM Fair Value	SLM Upside
Bayesian DCF	Intrinsic	—	—	$8.74	-60.1%
Earnings Power Value	Intrinsic	—	—	$24.84	+13.5%
EROIC Spread	Intrinsic	$8.57	-75.8%	$14.90	-31.9%
First Chicago	Scenario	$12.61	-65.2%	$53.22	+143.2%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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RM vs SLM — Which Stock Is More Undervalued?

RM scores higher with a 8.1/10 quality rating vs SLM's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Regional Management Corp. (RM) and SLM Corporation (SLM) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

RM currently trades at $36.28 with a QOC of 8.1/10, while SLM trades at $21.88 with a QOC of 7.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).