RF CAPITAL GROUP INC (RCG.CA) Stock Fundamental Analysis
Canada - TSX:RCG - CA74971G4016 - Common Stock
19.8 CAD
-0.03 (-0.15%)
We assign a fundamental rating of 3 out of 10 to RCG. RCG was compared to 76 industry peers in the Capital Markets industry. While RCG seems to be doing ok healthwise, there are quite some concerns on its profitability. RCG is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RCG was profitable.
RCG had a positive operating cash flow in the past year.
In the past 5 years RCG reported 4 times negative net income.
In multiple years RCG reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of RCG (-0.84%) is worse than 71.05% of its industry peers.
With a Return On Equity value of -3.62%, RCG is not doing good in the industry: 73.68% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 1.52%, RCG is not doing good in the industry: 67.11% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for RCG is significantly below the industry average of 10.25%.
| 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
RCG has a worse Operating Margin (2.97%) than 72.37% of its industry peers.
RCG's Operating Margin has declined in the last couple of years.
RCG has a Gross Margin of 56.04%. This is in the better half of the industry: RCG outperforms 72.37% of its industry peers.
RCG'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 has been increased compared to 1 year ago.
The number of shares outstanding for RCG has been reduced compared to 5 years ago.
Compared to 1 year ago, RCG has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.26, we must say that RCG is in the distress zone and has some risk of bankruptcy.
RCG has a worse Altman-Z score (0.26) than 82.89% of its industry peers.
The Debt to FCF ratio of RCG is 4.31, which is a neutral value as it means it would take RCG, 4.31 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.31, RCG is in the better half of the industry, outperforming 67.11% of the companies in the same industry.
A Debt/Equity ratio of 0.50 indicates that RCG is somewhat dependend on debt financing.
The Debt to Equity ratio of RCG (0.50) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 4.31 | ||
| Altman-Z | 0.26 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.15 indicates that RCG should not have too much problems paying its short term obligations.
The Current ratio of RCG (1.15) is comparable to the rest of the industry.
RCG has a Quick Ratio of 1.15. This is a normal value and indicates that RCG is financially healthy and should not expect problems in meeting its short term obligations.
RCG has a Quick ratio (1.15) which 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 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -86.61%.
The Revenue has been growing slightly by 6.26% 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)-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
The Earnings Per Share is expected to grow by 11.00% on average over the next years. This is quite good.
RCG 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
Based on the Price/Earnings ratio of 282.86, the valuation of RCG can be described as expensive.
Based on the Price/Earnings ratio, RCG is valued a bit more expensive than 75.00% of the companies in the same industry.
RCG's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.57.
The Price/Forward Earnings ratio is 32.14, which means the current valuation is very expensive for RCG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RCG is on the same level as its industry peers.
RCG's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 282.86 | ||
| Fwd PE | 32.14 |
4.2 Price Multiples
61.84% of the companies in the same industry are more expensive than RCG, based on the Enterprise Value to EBITDA ratio.
RCG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RCG is cheaper than 88.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.39 | ||
| EV/EBITDA | 10.56 |
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
No dividends for RCG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:RCG (10/21/2025, 7:00:00 PM)
19.8
-0.03 (-0.15%)
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 Cap311.26M
Revenue(TTM)377.41M
Net Income(TTM)-11532000
Analysts45.71
Price Target13.52 (-31.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.28
Dividend Growth(5Y)11.18%
DP-37.22%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-0.93%
PT rev (3m)-0.93%
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 | 282.86 | ||
| Fwd PE | 32.14 | ||
| P/S | 0.82 | ||
| P/FCF | 8.39 | ||
| P/OCF | 7.53 | ||
| P/B | 0.98 | ||
| P/tB | 33.07 | ||
| EV/EBITDA | 10.56 |
EPS(TTM)0.07
EY0.35%
EPS(NY)0.62
Fwd EY3.11%
FCF(TTM)2.36
FCFY11.92%
OCF(TTM)2.63
OCFY13.28%
SpS24.01
BVpS20.27
TBVpS0.6
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.65
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%
ROICexgc growth 3YN/A
ROICexgc 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 | 0.26 |
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%