How does RFHL's PE Ratio compare to its peers?

RFHL is good value based on its Price-To-Earnings Ratio (9.3x) compared to the peer average (10.8x).

How does RFHL's PE Ratio compare vs other companies in the South American Banks Industry?

RFHL is expensive based on its Price-To-Earnings Ratio (9.3x) compared to the South American Banks industry average (8.5x).

What is RFHL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate RFHL's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of RFHL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

RFHL (TTD114) is trading above our estimate of [[fair value]] (TTD38.31)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

RFHL Stock Overview

Through its subsidiaries, provides a range of banking, financial, and related services. More details

RFHL fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (9.3x) is below the TT market (11.3x)

Earnings grew by 14.6% over the past year

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Republic Financial Holdings Limited Competitors

CIBC Caribbean Bank

TTSE:CIBC

TT$12.1b

First Citizens Group Financial Holdings

TTSE:FCGFH

TT$10.2b

Scotiabank Trinidad and Tobago

TTSE:SBTT

TT$9.8b

Credit Bank of Moscow

MISX:CBOM

₽164.3b

Price History & Performance

Summary of share price highs, lows and changes for Republic Financial Holdings
Historical stock prices
Current Share Price	TT$114.00
52 Week High	TT$125.00
52 Week Low	TT$105.00
Beta	0.037
1 Month Change	-2.51%
3 Month Change	1.71%
1 Year Change	-6.69%
3 Year Change	-17.39%
5 Year Change	-12.98%
Change since IPO	499.37%

Recent updates

Shareholder Returns

	RFHL	TT Banks	TT Market
7D	0.7%	0.5%	-1.7%
1Y	-6.7%	-1.9%	-10.3%

Return vs Industry: RFHL underperformed the TT Banks industry which returned -2.7% over the past year.

Return vs Market: RFHL exceeded the TT Market which returned -10.6% over the past year.

Price Volatility

Is RFHL's price volatile compared to industry and market?
RFHL volatility
RFHL Average Weekly Movement	2.0%
Banks Industry Average Movement	3.3%
Market Average Movement	3.2%
10% most volatile stocks in TT Market	7.3%
10% least volatile stocks in TT Market	1.8%

Stable Share Price: RFHL has not had significant price volatility in the past 3 months compared to the TT market.

Volatility Over Time: RFHL's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1837	6,275	Nigel Baptiste	rfhl.com

Republic Financial Holdings Limited, through its subsidiaries, provides a range of banking, financial, and related services. The company operates through Retail and Commercial Banking, and Other Financial Services segments. It offers current, savings, and deposit accounts; and personal and commercial lending.

Republic Financial Holdings Limited Fundamentals Summary

How do Republic Financial Holdings's earnings and revenue compare to its market cap?
RFHL fundamental statistics
Market cap	TT$18.83b
Earnings (TTM)	TT$2.01b
Revenue (TTM)	TT$7.06b

9.3x

P/E Ratio

1.3x

P/B Ratio

Is RFHL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RFHL income statement (TTM)
Revenue	TT$7.06b
Cost of Revenue	TT$0
Gross Profit	TT$7.06b
Other Expenses	TT$5.05b
Earnings	TT$2.01b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	12.25
Gross Margin	100.00%
Net Profit Margin	28.41%
Debt/Equity Ratio	32.0%

How did RFHL perform over the long term?

See historical performance and comparison

Dividends

5.0%

Current Dividend Yield

46%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/17 00:44
End of Day Share Price	2024/12/17 00:00
Earnings	2024/09/30
Annual Earnings	2024/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Republic Financial Holdings Limited is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution