| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 4/6 |
| Dividends | 2/6 |
RFHL Stock Overview
Republic Financial Holdings Limited, through its subsidiaries, provides a range of banking, financial, and related services.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | TT$138.17 |
| 52 Week High | TT$155.28 |
| 52 Week Low | TT$131.00 |
| Beta | -0.081 |
| 1 Month Change | 1.27% |
| 3 Month Change | 1.98% |
| 1 Year Change | 3.86% |
| 3 Year Change | 28.82% |
| 5 Year Change | 27.39% |
| Change since IPO | 626.45% |
Recent News & Updates
Shareholder Returns
| RFHL | TT Banks | TT Market | |
|---|---|---|---|
| 7D | -0.6% | 17.9% | 0.2% |
| 1Y | 3.9% | -6.4% | 11.7% |
Return vs Industry: RFHL exceeded the TT Banks industry which returned -6.8% over the past year.
Return vs Market: RFHL underperformed the TT Market which returned 12.2% over the past year.
Price Volatility
| RFHL volatility | |
|---|---|
| RFHL Average Weekly Movement | 2.8% |
| Banks Industry Average Movement | 4.6% |
| Market Average Movement | 2.7% |
| 10% most volatile stocks in TT Market | 5.4% |
| 10% least volatile stocks in TT Market | 1.6% |
Stable Share Price: RFHL is not significantly more volatile than the rest of TT stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: RFHL's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1837 | 6,058 | Nigel Baptiste | https://rfhl.com |
Republic Financial Holdings Limited, through its subsidiaries, provides a range of banking, financial, and related services. The company operates in two segments, Retail and Commercial Banking, and Other Financial Services. It offers current, savings, and deposit accounts; and personal and commercial lending, as well as financing for projects.
Republic Financial Holdings Fundamentals Summary
| RFHL fundamental statistics | |
|---|---|
| Market Cap | TT$22.53b |
| Earnings (TTM) | TT$1.31b |
| Revenue (TTM) | TT$5.45b |
17.2x
P/E Ratio1.9x
P/B RatioIs RFHL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| RFHL income statement (TTM) | |
|---|---|
| Revenue | TT$5.45b |
| Cost of Revenue | TT$0 |
| Gross Profit | TT$5.45b |
| Expenses | TT$4.15b |
| Earnings | TT$1.31b |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 8.01 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.98% |
| Debt/Equity Ratio | 51.7% |
How did RFHL perform over the long term?
See historical performance and comparisonDividends
2.9%
Current Dividend Yield50%
Payout RatioValuation
Is Republic Financial Holdings undervalued compared to its fair value and its price relative to the market?
17.25x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: RFHL (TTD138.17) is trading above our estimate of fair value (TTD53.49)
Significantly Below Fair Value: RFHL is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: RFHL is poor value based on its PE Ratio (17.2x) compared to the South American Banks industry average (9.3x).
PE vs Market: RFHL is good value based on its PE Ratio (17.2x) compared to the TT market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RFHL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: RFHL is overvalued based on its PB Ratio (1.9x) compared to the XS Banks industry average (1x).
Future Growth
How is Republic Financial Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
13.1%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Republic Financial Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Past Performance
How has Republic Financial Holdings performed over the past 5 years?
1.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RFHL has high quality earnings.
Growing Profit Margin: RFHL's current net profit margins (24%) are higher than last year (17.8%).
Past Earnings Growth Analysis
Earnings Trend: RFHL's earnings have grown by 1.9% per year over the past 5 years.
Accelerating Growth: RFHL's earnings growth over the past year (44.7%) exceeds its 5-year average (1.9% per year).
Earnings vs Industry: RFHL earnings growth over the past year (44.7%) exceeded the Banks industry 23.4%.
Return on Equity
High ROE: RFHL's Return on Equity (11.2%) is considered low.
Financial Health
How is Republic Financial Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: RFHL's Assets to Equity ratio (8.5x) is low.
Allowance for Bad Loans: RFHL has a low allowance for bad loans (60%).
Low Risk Liabilities: 90% of RFHL's liabilities are made up of primarily low risk sources of funding.
Loan Level: RFHL has an appropriate level of Loans to Assets ratio (51%).
Low Risk Deposits: RFHL's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: RFHL has a high level of bad loans (5.1%).
Dividend
What is Republic Financial Holdings's current dividend yield, its reliability and sustainability?
2.89%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: RFHL's dividend (2.89%) is higher than the bottom 25% of dividend payers in the TT market (1.67%).
High Dividend: RFHL's dividend (2.89%) is low compared to the top 25% of dividend payers in the TT market (3.4%).
Stability and Growth of Payments
Stable Dividend: RFHL's dividend payments have been volatile in the past 10 years.
Growing Dividend: RFHL's dividend payments have not increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (49.7%), RFHL's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.1yrs
Average management tenure
CEO
Nigel Baptiste (55 yo)
5.83yrs
Tenure
Mr. Nigel Mark Baptiste, B.Sc. (Hons.) (Econ.) M.Sc. (Econ.) A.C.I.B. serves as Director of Cayman National Corporation Ltd. and Cayman National Bank Ltd. since March 27, 2019.He has been the President of...
Leadership Team
Experienced Management: RFHL's management team is considered experienced (2.1 years average tenure).
Board Members
Experienced Board: RFHL's board of directors are considered experienced (5.9 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Republic Financial Holdings Limited's employee growth, exchange listings and data sources
Key Information
- Name: Republic Financial Holdings Limited
- Ticker: RFHL
- Exchange: TTSE
- Founded: 1837
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: TT$22.533b
- Shares outstanding: 163.28m
- Website: https://rfhl.com
Number of Employees
Location
- Republic Financial Holdings Limited
- Republic House
- 4th Floor
- Port of Spain
- Trinidad & Tobago
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/12/06 21:44 |
| End of Day Share Price | 2021/12/06 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2021/09/30 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.