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. While RCG-PR-B seems to be doing ok healthwise, 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
RCG-PR-B had positive earnings in the past year.
RCG-PR-B had a positive operating cash flow in the past year.
In the past 5 years RCG-PR-B reported 4 times negative net income.
In multiple years RCG-PR-B reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.48%, RCG-PR-B is doing worse than 74.39% of the companies in the same industry.
RCG-PR-B has a Return On Equity of -2.08%. This is in the lower half of the industry: RCG-PR-B underperforms 70.73% of its industry peers.
With a Return On Invested Capital value of 2.95%, RCG-PR-B is not doing good in the industry: 60.98% of the companies in the same industry are doing better.
RCG-PR-B had an Average Return On Invested Capital over the past 3 years of 3.08%. This is below the industry average of 7.96%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.48% | ||
| ROE | -2.08% | ||
| ROIC | 2.95% |
ROA(3y)-0.65%
ROA(5y)-0.38%
ROE(3y)-2.89%
ROE(5y)-1.81%
ROIC(3y)3.08%
ROIC(5y)2.14%
1.3 Margins
RCG-PR-B has a worse Operating Margin (5.75%) than 70.73% of its industry peers.
RCG-PR-B's Operating Margin has declined in the last couple of years.
RCG-PR-B has a Gross Margin of 56.87%. This is in the better half of the industry: RCG-PR-B outperforms 70.73% of its industry peers.
In the last couple of years the Gross Margin of RCG-PR-B has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.75% | ||
| PM (TTM) | N/A | ||
| GM | 56.87% |
OM growth 3Y56.36%
OM growth 5Y-15.38%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.65%
GM growth 5YN/A
2. Health
2.1 Basic Checks
RCG-PR-B has more shares outstanding than it did 1 year ago.
The number of shares outstanding for RCG-PR-B has been reduced compared to 5 years ago.
RCG-PR-B has a better debt/assets ratio than last year.
2.2 Solvency
RCG-PR-B has an Altman-Z score of 0.25. This is a bad value and indicates that RCG-PR-B is not financially healthy and even has some risk of bankruptcy.
RCG-PR-B has a Altman-Z score (0.25) which is in line with its industry peers.
RCG-PR-B has a debt to FCF ratio of 4.18. This is a neutral value as RCG-PR-B would need 4.18 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.18, RCG-PR-B is in the better half of the industry, outperforming 65.85% 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 | 4.18 | ||
| Altman-Z | 0.25 |
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.
RCG-PR-B has a Current ratio of 1.15. This is comparable to the rest of the industry: RCG-PR-B outperforms 56.10% of its industry peers.
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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
RCG-PR-B shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.53%, which is quite impressive.
The Revenue has been growing slightly by 7.54% in the past year.
The Revenue has been growing by 58.60% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)49.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1900%
Revenue 1Y (TTM)7.54%
Revenue growth 3Y3.98%
Revenue growth 5Y58.6%
Sales Q2Q%11.23%
3.2 Future
Based on estimates for the next years, RCG-PR-B will show a very strong growth in Earnings Per Share. The EPS will grow by 30.26% on average per year.
Based on estimates for the next years, RCG-PR-B will show a small growth in Revenue. The Revenue will grow by 7.07% on average per year.
EPS Next Y-36.37%
EPS Next 2Y30.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.14%
Revenue Next 2Y7.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
RCG-PR-B is valuated quite expensively with a Price/Earnings ratio of 50.00.
Compared to the rest of the industry, the Price/Earnings ratio of RCG-PR-B indicates a slightly more expensive valuation: RCG-PR-B is more expensive than 70.73% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. RCG-PR-B is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 18.27, which indicates a rather expensive current valuation of RCG-PR-B.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RCG-PR-B indicates a somewhat cheap valuation: RCG-PR-B is cheaper than 62.20% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of RCG-PR-B to the average of the S&P500 Index (21.76), we can say RCG-PR-B is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 50 | ||
| Fwd PE | 18.27 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RCG-PR-B is valued cheaper than 92.68% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RCG-PR-B is valued cheaper than 85.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.4 | ||
| EV/EBITDA | 6.66 |
4.3 Compensation for Growth
A more expensive valuation may be justified as RCG-PR-B's earnings are expected to grow with 30.26% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RCG-PR-B has a Yearly Dividend Yield of 6.06%, which is a nice return.
Compared to an average industry Dividend Yield of 5.39, RCG-PR-B pays a better dividend. On top of this RCG-PR-B pays more dividend than 87.80% of the companies listed in the same industry.
RCG-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.06% |
5.2 History
On average, the dividend of RCG-PR-B grows each year by 11.18%, which is quite nice.
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)11.18%
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-63.97%
EPS Next 2Y30.26%
EPS Next 3YN/A
RF CAPITAL GROUP INC - RCGCN 3.611 PERP
TSX:RCG-PR-B (7/11/2025, 7:00:00 PM)
15.5
+0.24 (+1.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners0.54%
Inst Owner ChangeN/A
Ins Owners0.59%
Ins Owner ChangeN/A
Market Cap243.66M
Analysts76.67
Price Target25.22 (62.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.06% |
Yearly Dividend0.28
Dividend Growth(5Y)11.18%
DP-63.97%
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)2
Avg Revenue beat(2)1.11%
Min Revenue beat(2)0.98%
Max Revenue beat(2)1.24%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-1.72%
Max Revenue beat(4)1.24%
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)-5.62%
PT rev (3m)5.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)18.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 50 | ||
| Fwd PE | 18.27 | ||
| P/S | 0.64 | ||
| P/FCF | 6.4 | ||
| P/OCF | 5.95 | ||
| P/B | 0.76 | ||
| P/tB | 23.75 | ||
| EV/EBITDA | 6.66 |
EPS(TTM)0.31
EY2%
EPS(NY)0.85
Fwd EY5.47%
FCF(TTM)2.42
FCFY15.63%
OCF(TTM)2.61
OCFY16.82%
SpS24.13
BVpS20.47
TBVpS0.65
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.48% | ||
| ROE | -2.08% | ||
| ROCE | 4.09% | ||
| ROIC | 2.95% | ||
| ROICexc | 3.52% | ||
| ROICexgc | 13.15% | ||
| OM | 5.75% | ||
| PM (TTM) | N/A | ||
| GM | 56.87% | ||
| FCFM | 10.04% |
ROA(3y)-0.65%
ROA(5y)-0.38%
ROE(3y)-2.89%
ROE(5y)-1.81%
ROIC(3y)3.08%
ROIC(5y)2.14%
ROICexc(3y)5.14%
ROICexc(5y)6.44%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)4.28%
ROCE(5y)2.98%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y-17.26%
ROICexc growth 5YN/A
OM growth 3Y56.36%
OM growth 5Y-15.38%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.65%
GM growth 5YN/A
F-Score6
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 4.18 | ||
| Debt/EBITDA | 3.39 | ||
| Cap/Depr | 11.58% | ||
| Cap/Sales | 0.77% | ||
| Interest Coverage | 2.01 | ||
| Cash Conversion | 87.32% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 0.25 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)35.57%
Cap/Depr(5y)34.23%
Cap/Sales(3y)2.81%
Cap/Sales(5y)2.6%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)49.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1900%
EPS Next Y-36.37%
EPS Next 2Y30.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.54%
Revenue growth 3Y3.98%
Revenue growth 5Y58.6%
Sales Q2Q%11.23%
Revenue Next Year6.14%
Revenue Next 2Y7.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-32.86%
EBIT growth 3Y62.59%
EBIT growth 5Y34.21%
EBIT Next Year188.86%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y107.52%
FCF growth 3YN/A
FCF growth 5Y198.6%
OCF growth 1Y108.58%
OCF growth 3YN/A
OCF growth 5Y53.36%