RFA FINANCIAL INC - RFAFIN 6.38179 PERP (RFA-PR-E.CA) Fundamental Analysis & Valuation

TSX:RFA-PR-E

Current stock price

20.59 CAD
+0.13 (+0.64%)
Last:

This RFA-PR-E.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. RFA-PR-E.CA Profitability Analysis

1.1 Basic Checks

  • In the past year RFA-PR-E has reported negative net income.
  • In the past year RFA-PR-E had a positive cash flow from operations.
  • In multiple years RFA-PR-E reported negative net income over the last 5 years.
  • In the past 5 years RFA-PR-E always reported a positive cash flow from operatings.
RFA-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFRFA-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M

1.2 Ratios

  • RFA-PR-E's Return On Assets of -3.37% is on the low side compared to the rest of the industry. RFA-PR-E is outperformed by 85.19% of its industry peers.
  • With a Return On Equity value of -6.21%, RFA-PR-E is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
  • The Return On Invested Capital of RFA-PR-E (0.28%) is worse than 81.48% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for RFA-PR-E is below the industry average of 8.08%.
  • The last Return On Invested Capital (0.28%) for RFA-PR-E is well below the 3 year average (4.34%), which needs to be investigated, but indicates that RFA-PR-E had better years and this may not be a problem.
Industry RankSector Rank
ROA -3.37%
ROE -6.21%
ROIC 0.28%
ROA(3y)-3.95%
ROA(5y)-0.73%
ROE(3y)-8.29%
ROE(5y)-1.91%
ROIC(3y)4.34%
ROIC(5y)4.41%
RFA-PR-E.CA Yearly ROA, ROE, ROICRFA-PR-E.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • RFA-PR-E has a worse Operating Margin (3.20%) than 81.48% of its industry peers.
  • RFA-PR-E's Operating Margin has declined in the last couple of years.
  • The Gross Margin of RFA-PR-E (51.93%) is better than 70.37% of its industry peers.
  • RFA-PR-E's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.2%
PM (TTM) N/A
GM 51.93%
OM growth 3Y-9.19%
OM growth 5Y-6.55%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.4%
GM growth 5Y-1.76%
RFA-PR-E.CA Yearly Profit, Operating, Gross MarginsRFA-PR-E.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. RFA-PR-E.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RFA-PR-E is destroying value.
  • RFA-PR-E has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for RFA-PR-E has been reduced compared to 5 years ago.
  • RFA-PR-E has a better debt/assets ratio than last year.
RFA-PR-E.CA Yearly Shares OutstandingRFA-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
RFA-PR-E.CA Yearly Total Debt VS Total AssetsRFA-PR-E.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • RFA-PR-E has an Altman-Z score of 0.13. This is a bad value and indicates that RFA-PR-E is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.13, RFA-PR-E is doing worse than 88.89% of the companies in the same industry.
  • The Debt to FCF ratio of RFA-PR-E is 14.16, which is on the high side as it means it would take RFA-PR-E, 14.16 years of fcf income to pay off all of its debts.
  • RFA-PR-E has a Debt to FCF ratio of 14.16. This is in the better half of the industry: RFA-PR-E outperforms 74.07% of its industry peers.
  • RFA-PR-E has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • RFA-PR-E's Debt to Equity ratio of 0.47 is fine compared to the rest of the industry. RFA-PR-E outperforms 74.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 14.16
Altman-Z 0.13
ROIC/WACC0.04
WACC6.68%
RFA-PR-E.CA Yearly LT Debt VS Equity VS FCFRFA-PR-E.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • A Current Ratio of 0.75 indicates that RFA-PR-E may have some problems paying its short term obligations.
  • RFA-PR-E has a Current ratio (0.75) which is in line with its industry peers.
  • RFA-PR-E has a Quick Ratio of 0.75. This is a bad value and indicates that RFA-PR-E is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RFA-PR-E's Quick ratio of 0.75 is in line compared to the rest of the industry. RFA-PR-E outperforms 48.15% of its industry peers.
Industry RankSector Rank
Current Ratio 0.75
Quick Ratio 0.75
RFA-PR-E.CA Yearly Current Assets VS Current LiabilitesRFA-PR-E.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. RFA-PR-E.CA Growth Analysis

3.1 Past

  • RFA-PR-E shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.99%, which is quite good.
  • The Revenue for RFA-PR-E has decreased by -20.06% in the past year. This is quite bad
  • The Revenue for RFA-PR-E have been decreasing by -10.45% on average. This is quite bad
EPS 1Y (TTM)18.99%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-171.45%
Revenue 1Y (TTM)-20.06%
Revenue growth 3Y-10.54%
Revenue growth 5Y-10.45%
Sales Q2Q%-10.33%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y38.1%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.8%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
RFA-PR-E.CA Yearly Revenue VS EstimatesRFA-PR-E.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
RFA-PR-E.CA Yearly EPS VS EstimatesRFA-PR-E.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1 -1 2 -2

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Find the best growth stocksShow best growing peers

2

4. RFA-PR-E.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • RFA-PR-E reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year RFA-PR-E is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RFA-PR-E.CA Price Earnings VS Forward Price EarningsRFA-PR-E.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 -50 100 -100 -150

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RFA-PR-E is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, RFA-PR-E is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 12.29
EV/EBITDA 213.26
RFA-PR-E.CA Per share dataRFA-PR-E.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. RFA-PR-E.CA Dividend Analysis

5.1 Amount

  • RFA-PR-E has a Yearly Dividend Yield of 3.52%. Purely for dividend investing, there may be better candidates out there.
  • RFA-PR-E's Dividend Yield is comparable with the industry average which is at 5.48.
  • RFA-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.52%

5.2 History

  • The dividend of RFA-PR-E is nicely growing with an annual growth rate of 36.96%!
  • RFA-PR-E does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)36.96%
Div Incr Years0
Div Non Decr Years0
RFA-PR-E.CA Yearly Dividends per shareRFA-PR-E.CA Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • RFA-PR-E has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of RFA-PR-E is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP-107.39%
EPS Next 2YN/A
EPS Next 3YN/A
RFA-PR-E.CA Yearly Income VS Free CF VS DividendRFA-PR-E.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M

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Find the best dividend stocksShow peers with best dividend

RFA-PR-E.CA Fundamentals: All Metrics, Ratios and Statistics

RFA FINANCIAL INC - RFAFIN 6.38179 PERP

TSX:RFA-PR-E (4/17/2026, 7:00:00 PM)

20.59

+0.13 (+0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-04
Earnings (Next)04-30
Inst Owners15.53%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap959.70M
Revenue(TTM)249.75M
Net Income(TTM)-87.80M
Analysts42.86
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.52%
Yearly Dividend3.27
Dividend Growth(5Y)36.96%
DP-107.39%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.84
P/FCF 12.29
P/OCF 12.29
P/B 0.68
P/tB 0.68
EV/EBITDA 213.26
EPS(TTM)-2.66
EYN/A
EPS(NY)-0.13
Fwd EYN/A
FCF(TTM)1.68
FCFY8.14%
OCF(TTM)1.68
OCFY8.14%
SpS5.36
BVpS30.32
TBVpS30.32
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -3.37%
ROE -6.21%
ROCE 0.38%
ROIC 0.28%
ROICexc 0.28%
ROICexgc 0.28%
OM 3.2%
PM (TTM) N/A
GM 51.93%
FCFM 31.27%
ROA(3y)-3.95%
ROA(5y)-0.73%
ROE(3y)-8.29%
ROE(5y)-1.91%
ROIC(3y)4.34%
ROIC(5y)4.41%
ROICexc(3y)4.39%
ROICexc(5y)4.53%
ROICexgc(3y)4.39%
ROICexgc(5y)4.53%
ROCE(3y)6.02%
ROCE(5y)6.13%
ROICexgc growth 3Y-6.15%
ROICexgc growth 5Y-3.03%
ROICexc growth 3Y-6.15%
ROICexc growth 5Y-3.03%
OM growth 3Y-9.19%
OM growth 5Y-6.55%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.4%
GM growth 5Y-1.76%
F-Score5
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 14.16
Debt/EBITDA 69.38
Cap/Depr 0%
Cap/Sales 0%
Interest Coverage 0.12
Cash Conversion 819.32%
Profit Quality N/A
Current Ratio 0.75
Quick Ratio 0.75
Altman-Z 0.13
F-Score5
WACC6.68%
ROIC/WACC0.04
Cap/Depr(3y)22.34%
Cap/Depr(5y)13.48%
Cap/Sales(3y)0.09%
Cap/Sales(5y)0.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.99%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-171.45%
EPS Next Y38.1%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-20.06%
Revenue growth 3Y-10.54%
Revenue growth 5Y-10.45%
Sales Q2Q%-10.33%
Revenue Next Year-10.8%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-94.99%
EBIT growth 3Y-18.76%
EBIT growth 5Y-16.32%
EBIT Next Year70.12%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.59%
FCF growth 3Y-26.68%
FCF growth 5Y-16.66%
OCF growth 1Y17.92%
OCF growth 3Y-26.56%
OCF growth 5Y-16.72%

RFA FINANCIAL INC - RFAFIN 6.38179 PERP / RFA-PR-E.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for RFA FINANCIAL INC - RFAFIN 6.38179 PERP?

ChartMill assigns a fundamental rating of 2 / 10 to RFA-PR-E.CA.


Can you provide the valuation status for RFA FINANCIAL INC - RFAFIN 6.38179 PERP?

ChartMill assigns a valuation rating of 2 / 10 to RFA FINANCIAL INC - RFAFIN 6.38179 PERP (RFA-PR-E.CA). This can be considered as Overvalued.


Can you provide the profitability details for RFA FINANCIAL INC - RFAFIN 6.38179 PERP?

RFA FINANCIAL INC - RFAFIN 6.38179 PERP (RFA-PR-E.CA) has a profitability rating of 2 / 10.


How financially healthy is RFA FINANCIAL INC - RFAFIN 6.38179 PERP?

The financial health rating of RFA FINANCIAL INC - RFAFIN 6.38179 PERP (RFA-PR-E.CA) is 4 / 10.


What is the expected EPS growth for RFA FINANCIAL INC - RFAFIN 6.38179 PERP (RFA-PR-E.CA) stock?

The Earnings per Share (EPS) of RFA FINANCIAL INC - RFAFIN 6.38179 PERP (RFA-PR-E.CA) is expected to grow by 38.1% in the next year.