RF CAPITAL GROUP INC (RCG.CA) Stock Fundamental Analysis
TSX:RCG - CA74971G4016 - Common Stock
19.8 CAD
+0.07 (+0.35%)
We assign a fundamental rating of 3 out of 10 to RCG. RCG was compared to 82 industry peers in the Capital Markets industry. RCG scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. 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.
In the past year RCG had a positive cash flow from operations.
RCG had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: RCG reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of -0.84%, RCG is not doing good in the industry: 69.51% of the companies in the same industry are doing better.
RCG has a worse Return On Equity (-3.62%) than 71.95% of its industry peers.
RCG's Return On Invested Capital of 1.52% is on the low side compared to the rest of the industry. RCG is outperformed by 64.63% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RCG 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
Looking at the Operating Margin, with a value of 2.97%, RCG is doing worse than 69.51% of the companies in the same industry.
RCG's Operating Margin has declined in the last couple of years.
RCG's Gross Margin of 56.04% is fine compared to the rest of the industry. RCG outperforms 73.17% 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.
RCG has less shares outstanding than it did 5 years ago.
RCG has a better debt/assets ratio than last year.
2.2 Solvency
RCG has an Altman-Z score of 0.26. This is a bad value and indicates that RCG is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.26, RCG is doing worse than 70.73% of the companies in the same industry.
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.
RCG has a Debt to FCF ratio of 4.31. This is in the better half of the industry: RCG outperforms 68.29% of its industry peers.
RCG has a Debt/Equity ratio of 0.50. This is a neutral value indicating RCG is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.50, RCG is in line with its industry, outperforming 53.66% of the companies in the same 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
RCG has a Current 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.
With a Current ratio value of 1.15, RCG perfoms like the industry average, outperforming 57.32% of the companies in the same 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.
The Quick ratio of RCG (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
The earnings per share for RCG have decreased strongly by -86.61% in the last year.
Looking at the last year, RCG shows a small growth in Revenue. The Revenue has grown by 6.26% in the last year.
RCG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 58.60% yearly.
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 7.07% 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
A Price/Earnings ratio of 282.86 indicates a quite expensive valuation of RCG.
Based on the Price/Earnings ratio, RCG is valued a bit more expensive than 70.73% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.24, RCG is valued quite expensively.
With a Price/Forward Earnings ratio of 32.14, RCG can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as RCG.
RCG's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 35.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 282.86 | ||
| Fwd PE | 32.14 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RCG indicates a somewhat cheap valuation: RCG is cheaper than 60.98% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, RCG is valued cheaper than 86.59% 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 (8/22/2025, 7:00:00 PM)
19.8
+0.07 (+0.35%)
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 Cap311.26M
Analysts76.67
Price Target13.64 (-31.11%)
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%
PT rev (3m)-16.41%
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 | 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
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 | 0.26 |
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 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%