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RIFCO Inc (RFC.CA) Stock Fundamental Analysis

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

1.27
-0.03 (-2.31%)
Last: 1/14/2022, 7:00:00 PM
Fundamental Rating

1

RFC gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. RFC may be in some trouble as it scores bad on both profitability and health. RFC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year RFC was profitable.
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 2016 2017 2018 2019 2020 2021 0 10M 20M 30M

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 2016 2017 2018 2019 2020 2021 0 10 -10 20

1.3 Margins

RFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 2021 0 20 40 60

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2. Health

2.1 Basic Checks

RFC has more shares outstanding than it did 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 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 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M

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 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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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 390.46% over the past year.
Measured over the past 5 years, RFC shows a small growth in Earnings Per Share. The EPS has been growing by 0.90% on average per year.
Looking at the last year, RFC shows a decrease in Revenue. The Revenue has decreased by -8.65% in the last year.
Measured over the past years, RFC shows a decrease in Revenue. The Revenue has been decreasing by -1.41% on average per year.
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 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 2015 2016 2017 2018 2019 2020 0.05 0.1 0.15 0.2

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 5.29, which indicates a rather cheap valuation of RFC.
RFC is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
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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0

5. Dividend

5.1 Amount

RFC does not give a dividend.
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
Revenue(TTM)34.31M
Net Income(TTM)5.27M
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
Graham NumberN/A
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
ROICexgc growth 3Y0%
ROICexgc 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

RIFCO Inc / RFC.CA FAQ

What is the ChartMill fundamental rating of RIFCO Inc (RFC.CA) stock?

ChartMill assigns a fundamental rating of 1 / 10 to RFC.CA.


What is the valuation status of RIFCO Inc (RFC.CA) stock?

ChartMill assigns a valuation rating of 5 / 10 to RIFCO Inc (RFC.CA). This can be considered as Fairly Valued.


What is the profitability of RFC stock?

RIFCO Inc (RFC.CA) has a profitability rating of 1 / 10.