RFA FINANCIAL INC (RFA.CA) Fundamental Analysis & Valuation

TSX:RFA • CA7619271025

Current stock price

23.07 CAD
+0.07 (+0.3%)
Last:

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

2

1. RFA.CA Profitability Analysis

1.1 Basic Checks

  • RFA had negative earnings in the past year.
  • RFA had a positive operating cash flow in the past year.
  • In multiple years RFA reported negative net income over the last 5 years.
  • RFA had a positive operating cash flow in each of the past 5 years.
RFA.CA Yearly Net Income VS EBIT VS OCF VS FCFRFA.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 has a worse Return On Assets (-3.37%) than 89.66% of its industry peers.
  • RFA has a worse Return On Equity (-6.21%) than 82.76% of its industry peers.
  • With a Return On Invested Capital value of 0.28%, RFA is not doing good in the industry: 86.21% of the companies in the same industry are doing better.
  • The Average Return On Invested Capital over the past 3 years for RFA is below the industry average of 7.70%.
  • The last Return On Invested Capital (0.28%) for RFA is well below the 3 year average (4.34%), which needs to be investigated, but indicates that RFA 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.CA Yearly ROA, ROE, ROICRFA.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's Operating Margin of 3.20% is on the low side compared to the rest of the industry. RFA is outperformed by 86.21% of its industry peers.
  • In the last couple of years the Operating Margin of RFA has declined.
  • RFA has a Gross Margin of 51.93%. This is in the better half of the industry: RFA outperforms 65.52% of its industry peers.
  • In the last couple of years the Gross Margin of RFA has declined.
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.CA Yearly Profit, Operating, Gross MarginsRFA.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.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RFA is destroying value.
  • Compared to 1 year ago, RFA has less shares outstanding
  • Compared to 5 years ago, RFA has less shares outstanding
  • RFA has a better debt/assets ratio than last year.
RFA.CA Yearly Shares OutstandingRFA.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
RFA.CA Yearly Total Debt VS Total AssetsRFA.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

  • Based on the Altman-Z score of 0.19, we must say that RFA is in the distress zone and has some risk of bankruptcy.
  • RFA has a worse Altman-Z score (0.19) than 79.31% of its industry peers.
  • The Debt to FCF ratio of RFA is 14.16, which is on the high side as it means it would take RFA, 14.16 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 14.16, RFA is doing good in the industry, outperforming 75.86% of the companies in the same industry.
  • A Debt/Equity ratio of 0.47 indicates that RFA is not too dependend on debt financing.
  • RFA has a better Debt to Equity ratio (0.47) than 65.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 14.16
Altman-Z 0.19
ROIC/WACC0.04
WACC6.71%
RFA.CA Yearly LT Debt VS Equity VS FCFRFA.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 may have some problems paying its short term obligations.
  • RFA has a Current ratio of 0.75. This is comparable to the rest of the industry: RFA outperforms 44.83% of its industry peers.
  • RFA has a Quick Ratio of 0.75. This is a bad value and indicates that RFA is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of RFA (0.75) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.75
Quick Ratio 0.75
RFA.CA Yearly Current Assets VS Current LiabilitesRFA.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.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 18.99% over the past year.
  • Looking at the last year, RFA shows a very negative growth in Revenue. The Revenue has decreased by -20.06% in the last year.
  • RFA shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -10.45% yearly.
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.CA Yearly Revenue VS EstimatesRFA.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.CA Yearly EPS VS EstimatesRFA.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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1

4. RFA.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for RFA. In the last year negative earnings were reported.
  • Also next year RFA 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.CA Price Earnings VS Forward Price EarningsRFA.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's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RFA indicates a somewhat cheap valuation: RFA is cheaper than 79.31% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.77
EV/EBITDA 226.03
RFA.CA Per share dataRFA.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

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

3

5. RFA.CA Dividend Analysis

5.1 Amount

  • RFA has a Yearly Dividend Yield of 3.83%. Purely for dividend investing, there may be better candidates out there.
  • RFA's Dividend Yield is comparable with the industry average which is at 5.48.
  • Compared to an average S&P500 Dividend Yield of 1.89, RFA pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.83%

5.2 History

  • On average, the dividend of RFA grows each year by 36.96%, which is quite nice.
  • RFA does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)36.96%
Div Incr YearsN/A
Div Non Decr YearsN/A
RFA.CA Yearly Dividends per shareRFA.CA Yearly Dividends per shareYearly Dividends per share 2026 0.01 0.02 0.03 0.04

5.3 Sustainability

  • The earnings of RFA are negative and hence is the payout ratio. RFA will probably not be able to sustain this dividend level.
  • RFA's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP-107.39%
EPS Next 2YN/A
EPS Next 3YN/A
RFA.CA Yearly Income VS Free CF VS DividendRFA.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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RFA.CA Fundamentals: All Metrics, Ratios and Statistics

RFA FINANCIAL INC

TSX:RFA (3/27/2026, 7:00:00 PM)

23.07

+0.07 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-04
Earnings (Next)05-06
Inst Owners14.89%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap1.08B
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 3.83%
Yearly Dividend3.27
Dividend Growth(5Y)36.96%
DP-107.39%
Div Incr YearsN/A
Div Non Decr YearsN/A
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 4.31
P/FCF 13.77
P/OCF 13.77
P/B 0.76
P/tB 0.76
EV/EBITDA 226.03
EPS(TTM)-2.66
EYN/A
EPS(NY)-0.13
Fwd EYN/A
FCF(TTM)1.68
FCFY7.26%
OCF(TTM)1.68
OCFY7.26%
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 0.19
F-Score5
WACC6.71%
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 / RFA.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for RFA FINANCIAL INC?

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


What is the valuation status for RFA stock?

ChartMill assigns a valuation rating of 1 / 10 to RFA FINANCIAL INC (RFA.CA). This can be considered as Overvalued.


How profitable is RFA FINANCIAL INC (RFA.CA) stock?

RFA FINANCIAL INC (RFA.CA) has a profitability rating of 2 / 10.


Can you provide the financial health for RFA stock?

The financial health rating of RFA FINANCIAL INC (RFA.CA) is 4 / 10.


What is the expected EPS growth for RFA FINANCIAL INC (RFA.CA) stock?

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