RF CAPITAL GROUP INC - RCGCN 3.73 PERP (RCG-PR-B.CA) Stock Fundamental Analysis
Canada - TSX:RCG-PR-B - CA74971G2036
25.06 CAD
-0.05 (-0.2%)
RCG-PR-B gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 81 industry peers in the Capital Markets industry. RCG-PR-B scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, RCG-PR-B is valued expensive at the moment.
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.
The reported operating cash flow has been mixed in the past 5 years: RCG-PR-B reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.84%, RCG-PR-B is doing worse than 71.60% of the companies in the same industry.
With a Return On Equity value of -3.62%, RCG-PR-B is not doing good in the industry: 72.84% of the companies in the same industry are doing better.
RCG-PR-B has a worse Return On Invested Capital (1.52%) than 67.90% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RCG-PR-B is significantly below the industry average of 10.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.84% | ||
| ROE | -3.62% | ||
| ROIC | 1.52% |
ROA(3y)-0.65%
ROA(5y)-0.38%
ROE(3y)-2.89%
ROE(5y)-1.81%
ROIC(3y)1.58%
ROIC(5y)1.24%
1.3 Margins
Looking at the Operating Margin, with a value of 2.97%, RCG-PR-B is doing worse than 72.84% of the companies in the same industry.
RCG-PR-B's Operating Margin has declined in the last couple of years.
RCG-PR-B has a better Gross Margin (56.04%) than 71.60% of its industry peers.
RCG-PR-B's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.97% | ||
| PM (TTM) | N/A | ||
| GM | 56.04% |
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
The number of shares outstanding for RCG-PR-B has been increased compared to 1 year ago.
Compared to 5 years ago, RCG-PR-B has less shares outstanding
RCG-PR-B has a better debt/assets ratio than last year.
2.2 Solvency
RCG-PR-B has an Altman-Z score of 0.31. This is a bad value and indicates that RCG-PR-B is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.31, RCG-PR-B is in line with its industry, outperforming 46.91% of the companies in the same industry.
The Debt to FCF ratio of RCG-PR-B is 4.31, which is a neutral value as it means it would take RCG-PR-B, 4.31 years of fcf income to pay off all of its debts.
RCG-PR-B's Debt to FCF ratio of 4.31 is fine compared to the rest of the industry. RCG-PR-B outperforms 64.20% of its industry peers.
A Debt/Equity ratio of 0.50 indicates that RCG-PR-B is somewhat dependend on debt financing.
The Debt to Equity ratio of RCG-PR-B (0.50) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 4.31 | ||
| Altman-Z | 0.31 |
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's Current ratio of 1.15 is in line compared to the rest of the industry. RCG-PR-B outperforms 55.56% of its industry peers.
A Quick Ratio of 1.15 indicates that RCG-PR-B should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.15, RCG-PR-B is in line with its industry, outperforming 55.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
The earnings per share for RCG-PR-B have decreased strongly by -86.61% in the last year.
Looking at the last year, RCG-PR-B shows a small growth in Revenue. The Revenue has grown by 6.26% in the last year.
Measured over the past years, RCG-PR-B shows a very strong growth in Revenue. The Revenue has been growing by 58.60% on average per year.
EPS 1Y (TTM)-86.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-93.08%
Revenue 1Y (TTM)6.26%
Revenue growth 3Y3.98%
Revenue growth 5Y58.6%
Sales Q2Q%-2.14%
3.2 Future
Based on estimates for the next years, RCG-PR-B will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.00% on average per year.
RCG-PR-B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.74% yearly.
EPS Next Y-119.19%
EPS Next 2Y11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.57%
Revenue Next 2Y7.74%
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
With a Price/Earnings ratio of 358.00, RCG-PR-B can be considered very expensive at the moment.
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 75.31% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of RCG-PR-B to the average of the S&P500 Index (27.53), we can say RCG-PR-B is valued expensively.
The Price/Forward Earnings ratio is 40.68, which means the current valuation is very expensive for RCG-PR-B.
The rest of the industry has a similar Price/Forward Earnings ratio as RCG-PR-B.
RCG-PR-B is valuated expensively when we compare the Price/Forward Earnings ratio to 23.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 358 | ||
| Fwd PE | 40.68 |
4.2 Price Multiples
RCG-PR-B's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, RCG-PR-B is valued cheaply inside the industry as 81.48% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.62 | ||
| EV/EBITDA | 12.83 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RCG-PR-B has a Yearly Dividend Yield of 3.72%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.23, RCG-PR-B pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, RCG-PR-B pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
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 been paying a dividend for at least 10 years, so it has a reliable track record.
As RCG-PR-B did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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 slower than its dividend. This means the dividend growth is not sustainable.
DP-37.22%
EPS Next 2Y11%
EPS Next 3YN/A
RF CAPITAL GROUP INC - RCGCN 3.73 PERP
TSX:RCG-PR-B (10/10/2025, 7:00:00 PM)
25.06
-0.05 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners0.67%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap393.94M
Analysts45.71
Price Target17.15 (-31.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
Yearly Dividend0.28
Dividend Growth(5Y)11.18%
DP-37.22%
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)1
Avg Revenue beat(2)-3.11%
Min Revenue beat(2)-7.46%
Max Revenue beat(2)1.24%
Revenue beat(4)2
Avg Revenue beat(4)-1.74%
Min Revenue beat(4)-7.46%
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)-1.16%
PT rev (3m)-32.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-130.16%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.54%
Revenue NY rev (3m)-0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 358 | ||
| Fwd PE | 40.68 | ||
| P/S | 1.04 | ||
| P/FCF | 10.62 | ||
| P/OCF | 9.53 | ||
| P/B | 1.24 | ||
| P/tB | 41.86 | ||
| EV/EBITDA | 12.83 |
EPS(TTM)0.07
EY0.28%
EPS(NY)0.62
Fwd EY2.46%
FCF(TTM)2.36
FCFY9.42%
OCF(TTM)2.63
OCFY10.49%
SpS24.01
BVpS20.27
TBVpS0.6
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.84% | ||
| ROE | -3.62% | ||
| ROCE | 2.11% | ||
| ROIC | 1.52% | ||
| ROICexc | 1.82% | ||
| ROICexgc | 6.95% | ||
| OM | 2.97% | ||
| PM (TTM) | N/A | ||
| GM | 56.04% | ||
| FCFM | 9.83% |
ROA(3y)-0.65%
ROA(5y)-0.38%
ROE(3y)-2.89%
ROE(5y)-1.81%
ROIC(3y)1.58%
ROIC(5y)1.24%
ROICexc(3y)2.34%
ROICexc(5y)4.76%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.2%
ROCE(5y)1.73%
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-Score4
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 4.31 | ||
| Debt/EBITDA | 4.39 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.06 | ||
| Cash Conversion | 113.51% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 0.31 |
F-Score4
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)-86.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-93.08%
EPS Next Y-119.19%
EPS Next 2Y11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.26%
Revenue growth 3Y3.98%
Revenue growth 5Y58.6%
Sales Q2Q%-2.14%
Revenue Next Year5.57%
Revenue Next 2Y7.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-66.6%
EBIT growth 3Y62.59%
EBIT growth 5Y34.21%
EBIT Next Year188.86%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y105.37%
FCF growth 3YN/A
FCF growth 5Y198.6%
OCF growth 1Y106.21%
OCF growth 3YN/A
OCF growth 5Y53.36%