RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA) Fundamental Analysis & Valuation

TSX:RFA-PR-I

Current stock price

22.25 CAD
0 (0%)
Last:

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

2

1. RFA-PR-I.CA Profitability Analysis

1.1 Basic Checks

  • In the past year RFA-PR-I has reported negative net income.
  • In the past year RFA-PR-I had a positive cash flow from operations.
  • In multiple years RFA-PR-I reported negative net income over the last 5 years.
  • Each year in the past 5 years RFA-PR-I had a positive operating cash flow.
RFA-PR-I.CA Yearly Net Income VS EBIT VS OCF VS FCFRFA-PR-I.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-I has a Return On Assets of -3.37%. This is amonst the worse of the industry: RFA-PR-I underperforms 83.33% of its industry peers.
  • RFA-PR-I has a worse Return On Equity (-6.21%) than 76.67% of its industry peers.
  • RFA-PR-I's Return On Invested Capital of 0.28% is on the low side compared to the rest of the industry. RFA-PR-I is outperformed by 80.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for RFA-PR-I is below the industry average of 7.43%.
  • The last Return On Invested Capital (0.28%) for RFA-PR-I is well below the 3 year average (4.34%), which needs to be investigated, but indicates that RFA-PR-I 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-I.CA Yearly ROA, ROE, ROICRFA-PR-I.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • The Operating Margin of RFA-PR-I (3.20%) is worse than 80.00% of its industry peers.
  • RFA-PR-I's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 51.93%, RFA-PR-I is doing good in the industry, outperforming 70.00% of the companies in the same industry.
  • RFA-PR-I'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-I.CA Yearly Profit, Operating, Gross MarginsRFA-PR-I.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. RFA-PR-I.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RFA-PR-I is destroying value.
  • The number of shares outstanding for RFA-PR-I has been reduced compared to 1 year ago.
  • The number of shares outstanding for RFA-PR-I has been reduced compared to 5 years ago.
  • Compared to 1 year ago, RFA-PR-I has an improved debt to assets ratio.
RFA-PR-I.CA Yearly Shares OutstandingRFA-PR-I.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
RFA-PR-I.CA Yearly Total Debt VS Total AssetsRFA-PR-I.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-I has an Altman-Z score of 0.17. This is a bad value and indicates that RFA-PR-I is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.17, RFA-PR-I is doing worse than 80.00% of the companies in the same industry.
  • RFA-PR-I has a debt to FCF ratio of 14.16. This is a negative value and a sign of low solvency as RFA-PR-I would need 14.16 years to pay back of all of its debts.
  • RFA-PR-I has a better Debt to FCF ratio (14.16) than 80.00% of its industry peers.
  • A Debt/Equity ratio of 0.47 indicates that RFA-PR-I is not too dependend on debt financing.
  • RFA-PR-I has a better Debt to Equity ratio (0.47) than 70.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 14.16
Altman-Z 0.17
ROIC/WACC0.04
WACC6.74%
RFA-PR-I.CA Yearly LT Debt VS Equity VS FCFRFA-PR-I.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-I may have some problems paying its short term obligations.
  • The Current ratio of RFA-PR-I (0.75) is comparable to the rest of the industry.
  • RFA-PR-I has a Quick Ratio of 0.75. This is a bad value and indicates that RFA-PR-I is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of RFA-PR-I (0.75) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.75
Quick Ratio 0.75
RFA-PR-I.CA Yearly Current Assets VS Current LiabilitesRFA-PR-I.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

More info and screens

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

0

3. RFA-PR-I.CA Growth Analysis

3.1 Past

  • RFA-PR-I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.99%, which is quite good.
  • RFA-PR-I shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -20.06%.
  • Measured over the past years, RFA-PR-I shows a very negative growth in Revenue. The Revenue has been decreasing by -10.45% on average per year.
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-I.CA Yearly Revenue VS EstimatesRFA-PR-I.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-I.CA Yearly EPS VS EstimatesRFA-PR-I.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1 -1 2 -2

More info and screens

Find the best growth stocksShow best growing peers

2

4. RFA-PR-I.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for RFA-PR-I. In the last year negative earnings were reported.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RFA-PR-I. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RFA-PR-I.CA Price Earnings VS Forward Price EarningsRFA-PR-I.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 -50 100 -100 -150

4.2 Price Multiples

  • RFA-PR-I's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, RFA-PR-I is valued cheaper than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.28
EV/EBITDA 222.02
RFA-PR-I.CA Per share dataRFA-PR-I.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-I.CA Dividend Analysis

5.1 Amount

  • RFA-PR-I has a Yearly Dividend Yield of 3.81%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 5.46, RFA-PR-I has a dividend in line with its industry peers.
  • RFA-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.81%

5.2 History

  • On average, the dividend of RFA-PR-I grows each year by 36.96%, which is quite nice.
  • RFA-PR-I is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)36.96%
Div Incr Years0
Div Non Decr Years0
RFA-PR-I.CA Yearly Dividends per shareRFA-PR-I.CA Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • RFA-PR-I has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of RFA-PR-I 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-I.CA Yearly Income VS Free CF VS DividendRFA-PR-I.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

More info and screens

Find the best dividend stocksShow peers with best dividend

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

RFA FINANCIAL INC - RFAFIN 7.02553 PERP

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

22.25

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-04
Earnings (Next)04-30
Inst Owners14.89%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap1.04B
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 3.81%
Yearly Dividend3.27
Dividend Growth(5Y)36.96%
DP-107.39%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-30
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 4.15
P/FCF 13.28
P/OCF 13.28
P/B 0.73
P/tB 0.73
EV/EBITDA 222.02
EPS(TTM)-2.66
EYN/A
EPS(NY)-0.13
Fwd EYN/A
FCF(TTM)1.68
FCFY7.53%
OCF(TTM)1.68
OCFY7.53%
SpS5.36
BVpS30.32
TBVpS30.32
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
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 0.17
F-Score5
WACC6.74%
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 7.02553 PERP / RFA-PR-I.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA) stock?

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


What is the valuation status of RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA) stock?

ChartMill assigns a valuation rating of 2 / 10 to RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA). This can be considered as Overvalued.


How profitable is RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA) stock?

RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA) has a profitability rating of 2 / 10.


What is the financial health of RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA) stock?

The financial health rating of RFA FINANCIAL INC - RFAFIN 7.02553 PERP (RFA-PR-I.CA) is 4 / 10.