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RIFCO Inc (RFC.CA) Stock Fundamental Analysis

TSX-V:RFC - TSX Venture Exchange - Common Stock

1.27  -0.03 (-2.31%)

Fundamental Rating

1

Overall RFC gets a fundamental rating of 1 out of 10. We evaluated RFC against 7 industry peers in the Consumer Finance industry. RFC may be in some trouble as it scores bad on both profitability and health. RFC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

RFC had positive earnings in the past year.
RFC.CA Yearly Net Income VS EBIT VS OCF VS FCFRFC.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 20M -20M

1.2 Ratios

Industry RankSector Rank
ROA 2.38%
ROE 18.88%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
RFC.CA Yearly ROA, ROE, ROICRFC.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 10 -10 20

1.3 Margins

The Operating Margin and Gross Margin are not available for RFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
RFC.CA Yearly Profit, Operating, Gross MarginsRFC.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 20 40 60

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2. Health

2.1 Basic Checks

The number of shares outstanding for RFC has been increased compared to 1 year ago.
Compared to 1 year ago, RFC has an improved debt to assets ratio.
RFC.CA Yearly Shares OutstandingRFC.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M
RFC.CA Yearly Total Debt VS Total AssetsRFC.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M

2.2 Solvency

RFC has a Debt/Equity ratio of 6.52. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 6.52
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
RFC.CA Yearly LT Debt VS Equity VS FCFRFC.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3. Growth

3.1 Past

RFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 390.46%, which is quite impressive.
The Earnings Per Share has been growing slightly by 0.90% on average over the past years.
RFC shows a decrease in Revenue. In the last year, the revenue decreased by -8.65%.
RFC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.41% yearly.
EPS 1Y (TTM)390.46%
EPS 3Y215.22%
EPS 5Y0.9%
EPS Q2Q%-0.5%
Revenue 1Y (TTM)-8.65%
Revenue growth 3Y0.09%
Revenue growth 5Y-1.41%
Sales Q2Q%0.96%

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 YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
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.
RFC.CA Yearly Revenue VS EstimatesRFC.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M
RFC.CA Yearly EPS VS EstimatesRFC.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 0.1 0.2 0.3

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 5.29 indicates a rather cheap valuation of RFC.
Compared to an average S&P500 Price/Earnings ratio of 28.88, RFC is valued rather cheaply.
Industry RankSector Rank
PE 5.29
Fwd PE N/A
RFC.CA Price Earnings VS Forward Price EarningsRFC.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.46
RFC.CA Per share dataRFC.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)5.91
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for RFC!.
Industry RankSector Rank
Dividend Yield N/A

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RIFCO Inc

TSX-V:RFC (1/14/2022, 7:00:00 PM)

1.27

-0.03 (-2.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)02-23 2022-02-23
Inst Owners2.22%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.62M
Analysts40
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
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)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)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 5.29
Fwd PE N/A
P/S 0.81
P/FCF N/A
P/OCF N/A
P/B 0.99
P/tB N/A
EV/EBITDA 8.46
EPS(TTM)0.24
EY18.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.58
BVpS1.28
TBVpSN/A
PEG (NY)N/A
PEG (5Y)5.91
Profitability
Industry RankSector Rank
ROA 2.38%
ROE 18.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.36%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 6.52
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)390.46%
EPS 3Y215.22%
EPS 5Y0.9%
EPS Q2Q%-0.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.65%
Revenue growth 3Y0.09%
Revenue growth 5Y-1.41%
Sales Q2Q%0.96%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A