RF CAPITAL GROUP INC - RCGCN 3.73 PERP (RCG-PR-B.CA) Stock Fundamental Analysis
TSX:RCG-PR-B - CA74971G2036
24.95 CAD
+0.02 (+0.08%)
RCG-PR-B gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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. While showing a medium growth rate, RCG-PR-B is valued expensive at the moment.
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.
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
RCG-PR-B's Return On Assets of -0.84% is on the low side compared to the rest of the industry. RCG-PR-B is outperformed by 70.73% of its industry peers.
Looking at the Return On Equity, with a value of -3.62%, RCG-PR-B is doing worse than 73.17% of the companies in the same industry.
RCG-PR-B has a Return On Invested Capital of 1.52%. This is in the lower half of the industry: RCG-PR-B underperforms 65.85% 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 7.91%.
| 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
The Operating Margin of RCG-PR-B (2.97%) is worse than 70.73% of its industry peers.
In the last couple of years the Operating Margin of RCG-PR-B has declined.
RCG-PR-B has a Gross Margin of 56.04%. This is in the better half of the industry: RCG-PR-B outperforms 71.95% 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 | 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
RCG-PR-B has more shares outstanding than it did 1 year ago.
RCG-PR-B has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, RCG-PR-B has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.31, 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 0.31, RCG-PR-B is in line with its industry, outperforming 50.00% 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.
With a decent Debt to FCF ratio value of 4.31, RCG-PR-B is doing good in the industry, outperforming 67.07% of the companies in the same industry.
RCG-PR-B has a Debt/Equity ratio of 0.50. This is a neutral value indicating 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.
Looking at the Current ratio, with a value of 1.15, RCG-PR-B is in line with its industry, outperforming 56.10% 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 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 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.
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 7.07% yearly.
EPS Next Y-119.19%
EPS Next 2Y11%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 356.43, which means the current valuation is very expensive for RCG-PR-B.
RCG-PR-B's Price/Earnings ratio is a bit more expensive when compared to the industry. RCG-PR-B is more expensive than 71.95% of the companies in the same industry.
RCG-PR-B's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.24.
Based on the Price/Forward Earnings ratio of 40.50, the valuation of RCG-PR-B can be described as expensive.
The rest of the industry has a similar Price/Forward Earnings ratio as RCG-PR-B.
When comparing the Price/Forward Earnings ratio of RCG-PR-B to the average of the S&P500 Index (35.82), we can say RCG-PR-B is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 356.43 | ||
| Fwd PE | 40.5 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RCG-PR-B is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, RCG-PR-B is valued cheaper than 80.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.57 | ||
| EV/EBITDA | 12.79 |
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 3.74%. Purely for dividend investing, there may be better candidates out there.
RCG-PR-B's Dividend Yield is a higher than the industry average which is at 3.57.
Compared to an average S&P500 Dividend Yield of 2.32, RCG-PR-B pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
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.
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
RCG-PR-B has negative earnings and hence a negative payout ratio. The dividend may be in danger.
The dividend of RCG-PR-B is growing, but the earnings are growing slower. 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 (8/22/2025, 7:00:00 PM)
24.95
+0.02 (+0.08%)
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 Cap392.21M
Analysts76.67
Price Target17.21 (-31.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
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)-25.98%
PT rev (3m)-35.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-130.16%
EPS NY rev (3m)-130.16%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 356.43 | ||
| Fwd PE | 40.5 | ||
| P/S | 1.04 | ||
| P/FCF | 10.57 | ||
| P/OCF | 9.49 | ||
| P/B | 1.23 | ||
| P/tB | 41.67 | ||
| EV/EBITDA | 12.79 |
EPS(TTM)0.07
EY0.28%
EPS(NY)0.62
Fwd EY2.47%
FCF(TTM)2.36
FCFY9.46%
OCF(TTM)2.63
OCFY10.54%
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 Year6.14%
Revenue Next 2Y7.07%
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%