RF CAPITAL GROUP INC - RCGCN 3.611 PERP (RCG-PR-B.CA) Stock Fundamental Analysis
TSX:RCG-PR-B - Toronto Stock Exchange - CA74971G2036 - Currency: CAD
Taking everything into account, RCG-PR-B scores 4 out of 10 in our fundamental rating. RCG-PR-B was compared to 82 industry peers in the Capital Markets industry. The financial health of RCG-PR-B is average, but there are quite some concerns on its profitability. RCG-PR-B is not valued too expensively and it also shows a decent growth rate. Finally RCG-PR-B also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year RCG-PR-B has reported negative net income.
In the past year RCG-PR-B had a positive cash flow from operations.
RCG-PR-B had negative earnings in 4 of the past 5 years.
In multiple years RCG-PR-B reported negative operating cash flow during the last 5 years.
1.2 Ratios
RCG-PR-B's Return On Assets of -0.56% is on the low side compared to the rest of the industry. RCG-PR-B is outperformed by 63.10% of its industry peers.
RCG-PR-B has a worse Return On Equity (-2.41%) than 66.67% of its industry peers.
RCG-PR-B has a better Return On Invested Capital (3.95%) than 71.43% of its industry peers.
RCG-PR-B had an Average Return On Invested Capital over the past 3 years of 2.40%. This is significantly below the industry average of 8.96%.
The last Return On Invested Capital (3.95%) for RCG-PR-B is above the 3 year average (2.40%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.56% | ||
| ROE | -2.41% | ||
| ROIC | 3.95% |
ROA(3y)-0.94%
ROA(5y)-1.18%
ROE(3y)-4.79%
ROE(5y)-7.26%
ROIC(3y)2.4%
ROIC(5y)1.88%
1.3 Margins
The Operating Margin of RCG-PR-B (8.27%) is worse than 65.48% of its industry peers.
RCG-PR-B's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 58.16%, RCG-PR-B is doing good in the industry, outperforming 73.81% of the companies in the same industry.
RCG-PR-B's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.27% | ||
| PM (TTM) | N/A | ||
| GM | 58.16% |
OM growth 3Y-4.56%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.54%
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for RCG-PR-B remains at a similar level compared to 1 year ago.
Compared to 5 years ago, RCG-PR-B has less shares outstanding
The debt/assets ratio for RCG-PR-B is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.26, we must say that RCG-PR-B is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.26, RCG-PR-B is doing worse than 73.81% of the companies in the same industry.
The Debt to FCF ratio of RCG-PR-B is 12.23, which is on the high side as it means it would take RCG-PR-B, 12.23 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 12.23, RCG-PR-B is doing good in the industry, outperforming 70.24% of the companies in the same industry.
RCG-PR-B has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
RCG-PR-B has a Debt to Equity ratio (0.49) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 12.23 | ||
| Altman-Z | 0.26 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.15 indicates that RCG-PR-B should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.15, RCG-PR-B is in the better half of the industry, outperforming 61.90% of the companies in the same industry.
RCG-PR-B has a Quick Ratio of 1.15. This is a normal value and indicates that RCG-PR-B is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of RCG-PR-B (1.15) is better than 61.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 56.50% over the past year.
RCG-PR-B shows a small growth in Revenue. In the last year, the Revenue has grown by 1.79%.
Measured over the past years, RCG-PR-B shows a very strong growth in Revenue. The Revenue has been growing by 62.28% on average per year.
EPS 1Y (TTM)56.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-116.37%
Revenue 1Y (TTM)1.79%
Revenue growth 3Y61.02%
Revenue growth 5Y62.28%
Sales Q2Q%4.59%
3.2 Future
The Earnings Per Share is expected to grow by 37.40% on average over the next years. This is a very strong growth
RCG-PR-B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.49% yearly.
EPS Next Y78.95%
EPS Next 2Y49.56%
EPS Next 3Y37.4%
EPS Next 5YN/A
Revenue Next Year4.6%
Revenue Next 2Y7.19%
Revenue Next 3Y7.49%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for RCG-PR-B. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 46.36, the valuation of RCG-PR-B can be described as expensive.
RCG-PR-B's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, RCG-PR-B is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 46.36 |
4.2 Price Multiples
91.67% of the companies in the same industry are more expensive than RCG-PR-B, based on the Enterprise Value to EBITDA ratio.
RCG-PR-B's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RCG-PR-B is cheaper than 79.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.57 | ||
| EV/EBITDA | 5.66 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
RCG-PR-B's earnings are expected to grow with 37.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.56%
EPS Next 3Y37.4%
5. Dividend
5.1 Amount
RCG-PR-B has a Yearly Dividend Yield of 6.33%, which is a nice return.
Compared to an average industry Dividend Yield of 5.97, RCG-PR-B pays a better dividend. On top of this RCG-PR-B pays more dividend than 86.90% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, RCG-PR-B pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.33% |
5.2 History
The dividend of RCG-PR-B has a limited annual growth rate of 0.83%.
RCG-PR-B has paid a dividend for at least 10 years, which is a reliable track record.
RCG-PR-B has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.83%
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
The earnings of RCG-PR-B are negative and hence is the payout ratio. RCG-PR-B will probably not be able to sustain this dividend level.
RCG-PR-B's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-54.36%
EPS Next 2Y49.56%
EPS Next 3Y37.4%
RF CAPITAL GROUP INC - RCGCN 3.611 PERP
TSX:RCG-PR-B (3/7/2025, 7:00:00 PM)
14.75
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners0.88%
Inst Owner ChangeN/A
Ins Owners0.55%
Ins Owner ChangeN/A
Market Cap232.02M
Analysts80
Price Target22.96 (55.66%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.33% |
Yearly Dividend0.28
Dividend Growth(5Y)0.83%
DP-54.36%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.29%
Min Revenue beat(2)-1.72%
Max Revenue beat(2)-0.86%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-8.82%
PT rev (3m)-20.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 46.36 | ||
| P/S | 0.65 | ||
| P/FCF | 17.57 | ||
| P/OCF | 26.93 | ||
| P/B | 0.71 | ||
| P/tB | 22.68 | ||
| EV/EBITDA | 5.66 |
EPS(TTM)-0.52
EYN/A
EPS(NY)0.32
Fwd EY2.16%
FCF(TTM)0.84
FCFY5.69%
OCF(TTM)0.55
OCFY3.71%
SpS22.84
BVpS20.79
TBVpS0.65
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.56% | ||
| ROE | -2.41% | ||
| ROCE | 5.49% | ||
| ROIC | 3.95% | ||
| ROICexc | 4.62% | ||
| ROICexgc | 16.31% | ||
| OM | 8.27% | ||
| PM (TTM) | N/A | ||
| GM | 58.16% | ||
| FCFM | 3.68% |
ROA(3y)-0.94%
ROA(5y)-1.18%
ROE(3y)-4.79%
ROE(5y)-7.26%
ROIC(3y)2.4%
ROIC(5y)1.88%
ROICexc(3y)5.94%
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.34%
ROCE(5y)2.61%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y-28.04%
ROICexc growth 5YN/A
OM growth 3Y-4.56%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.54%
GM growth 5YN/A
F-Score6
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 12.23 | ||
| Debt/EBITDA | 2.9 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.62 | ||
| Cash Conversion | 15.49% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 0.26 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)43.58%
Cap/Depr(5y)54.22%
Cap/Sales(3y)3.42%
Cap/Sales(5y)4.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-116.37%
EPS Next Y78.95%
EPS Next 2Y49.56%
EPS Next 3Y37.4%
EPS Next 5YN/A
Revenue 1Y (TTM)1.79%
Revenue growth 3Y61.02%
Revenue growth 5Y62.28%
Sales Q2Q%4.59%
Revenue Next Year4.6%
Revenue Next 2Y7.19%
Revenue Next 3Y7.49%
Revenue Next 5YN/A
EBIT growth 1Y12.28%
EBIT growth 3Y53.68%
EBIT growth 5YN/A
EBIT Next Year107.24%
EBIT Next 3Y45.31%
EBIT Next 5YN/A
FCF growth 1Y117.93%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y115.43%
OCF growth 3YN/A
OCF growth 5YN/A