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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

14.25  +0.04 (+0.28%)

Fundamental Rating

4

RCG-PR-B gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 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. RCG-PR-B has a correct valuation and a medium growth rate. RCG-PR-B also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year RCG-PR-B was profitable.
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.
RCG-PR-B.CA Yearly Net Income VS EBIT VS OCF VS FCFRCG-PR-B.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

1.2 Ratios

The Return On Assets of RCG-PR-B (-0.48%) is worse than 68.75% of its industry peers.
RCG-PR-B has a Return On Equity of -2.08%. This is in the lower half of the industry: RCG-PR-B underperforms 71.25% of its industry peers.
RCG-PR-B has a Return On Invested Capital (2.95%) which is in line with its industry peers.
RCG-PR-B had an Average Return On Invested Capital over the past 3 years of 3.08%. This is significantly below the industry average of 8.17%.
Industry RankSector 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%
RCG-PR-B.CA Yearly ROA, ROE, ROICRCG-PR-B.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

1.3 Margins

RCG-PR-B has a Operating Margin of 5.75%. This is in the lower half of the industry: RCG-PR-B underperforms 71.25% of its industry peers.
In the last couple of years the Operating Margin of RCG-PR-B has declined.
The Gross Margin of RCG-PR-B (56.87%) is better than 70.00% 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 RankSector 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
RCG-PR-B.CA Yearly Profit, Operating, Gross MarginsRCG-PR-B.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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4

2. Health

2.1 Basic Checks

The number of shares outstanding for RCG-PR-B has been increased compared to 1 year ago.
The number of shares outstanding for RCG-PR-B has been reduced compared to 5 years ago.
The debt/assets ratio for RCG-PR-B has been reduced compared to a year ago.
RCG-PR-B.CA Yearly Shares OutstandingRCG-PR-B.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
RCG-PR-B.CA Yearly Total Debt VS Total AssetsRCG-PR-B.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

Based on the Altman-Z score of 0.24, 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 0.24, RCG-PR-B is doing worse than 72.50% of the companies in the same industry.
The Debt to FCF ratio of RCG-PR-B is 4.18, which is a neutral value as it means it would take RCG-PR-B, 4.18 years of fcf income to pay off all of its debts.
RCG-PR-B has a Debt to FCF ratio of 4.18. This is in the better half of the industry: RCG-PR-B outperforms 67.50% of its industry peers.
A Debt/Equity ratio of 0.49 indicates that RCG-PR-B is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.49, RCG-PR-B perfoms like the industry average, outperforming 52.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 4.18
Altman-Z 0.24
ROIC/WACCN/A
WACCN/A
RCG-PR-B.CA Yearly LT Debt VS Equity VS FCFRCG-PR-B.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M

2.3 Liquidity

RCG-PR-B has a Current 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 Current ratio of RCG-PR-B (1.15) is comparable to the rest of the 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.
RCG-PR-B has a Quick ratio of 1.15. This is comparable to the rest of the industry: RCG-PR-B outperforms 55.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
RCG-PR-B.CA Yearly Current Assets VS Current LiabilitesRCG-PR-B.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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5

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.
Looking at the last year, RCG-PR-B shows a small growth in Revenue. The Revenue has grown by 7.54% in the last year.
RCG-PR-B shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 58.60% yearly.
EPS 1Y (TTM)49.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-134.62%
Revenue 1Y (TTM)7.54%
Revenue growth 3Y3.98%
Revenue growth 5Y58.6%
Sales Q2Q%11.23%

3.2 Future

The Earnings Per Share is expected to grow by 30.26% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 7.07% on average over the next years.
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

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RCG-PR-B.CA Yearly Revenue VS EstimatesRCG-PR-B.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
RCG-PR-B.CA Yearly EPS VS EstimatesRCG-PR-B.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2021 2022 2023 2024 2025 2026 0 1 -1 2 -2 -3

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 28.50, 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 63.75% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 24.95. RCG-PR-B is around the same levels.
Based on the Price/Forward Earnings ratio of 16.80, the valuation of RCG-PR-B can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RCG-PR-B is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.99, RCG-PR-B is valued at the same level.
Industry RankSector Rank
PE 28.5
Fwd PE 16.8
RCG-PR-B.CA Price Earnings VS Forward Price EarningsRCG-PR-B.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

91.25% of the companies in the same industry are more expensive than RCG-PR-B, based on the Enterprise Value to EBITDA ratio.
86.25% of the companies in the same industry are more expensive than RCG-PR-B, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.88
EV/EBITDA 6.32
RCG-PR-B.CA Per share dataRCG-PR-B.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

RCG-PR-B's earnings are expected to grow with 30.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.26%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.55%, RCG-PR-B is a good candidate for dividend investing.
RCG-PR-B's Dividend Yield is rather good when compared to the industry average which is at 3.49. RCG-PR-B pays more dividend than 87.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, RCG-PR-B pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.55%

5.2 History

The dividend of RCG-PR-B is nicely growing with an annual growth rate of 11.18%!
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
RCG-PR-B.CA Yearly Dividends per shareRCG-PR-B.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

RCG-PR-B has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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
RCG-PR-B.CA Yearly Income VS Free CF VS DividendRCG-PR-B.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

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RF CAPITAL GROUP INC - RCGCN 3.611 PERP

TSX:RCG-PR-B (5/13/2025, 7:00:00 PM)

14.25

+0.04 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)04-30 2025-04-30
Earnings (Next)07-29 2025-07-29
Inst Owners0.88%
Inst Owner ChangeN/A
Ins Owners0.55%
Ins Owner ChangeN/A
Market Cap224.01M
Analysts80
Price Target26.72 (87.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.55%
Yearly Dividend0.28
Dividend Growth(5Y)11.18%
DP-63.97%
Div Incr Years0
Div Non Decr Years7
Ex-Date06-13 2025-06-13 (0.233313)
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)12.05%
PT rev (3m)6.1%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)18.87%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.38%
Revenue NY rev (3m)-3.18%
Valuation
Industry RankSector Rank
PE 28.5
Fwd PE 16.8
P/S 0.59
P/FCF 5.88
P/OCF 5.47
P/B 0.7
P/tB 21.84
EV/EBITDA 6.32
EPS(TTM)0.5
EY3.51%
EPS(NY)0.85
Fwd EY5.95%
FCF(TTM)2.42
FCFY17%
OCF(TTM)2.61
OCFY18.29%
SpS24.13
BVpS20.47
TBVpS0.65
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 0.24
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%-134.62%
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 Year241.17%
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%