| Company Name: | R&G Financial Corporation B | | Ticker Symbol: | RGF | | | WWW Address: | www.rgonline.com | | CEO: | Victor J. Galan | | No. of Employees: | 2,404 | | Common Issue Type: | CS | | Business Description: | A financial holding company that provides a full range of banking services through its banking subsidiaries and through its mortgage banking subsidiary R-G Mortgage, is a mortgage loan originator and servicer of mortgages on single-family residences.
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| | | Industry Information: | BANKING - Foreign Regional Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | |  | - | - | 0 | 6.00 | 5.75 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 172.1 | 29.6 | 1.01 | 2.81 | 1.18 | 2.1 | 0.0 | 13.59 - 5.23 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 5.82 | $ | | PE Ratio - LTM | 2.1 | |
| Market Capitalisation | 172.1 | mil |
| Latest Shares Outstanding | 29.6 | mil |
| Earnings pS (EPS) | 2.81 | $ |
| Dividend pS (DPS) | 1.18 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | 42 | % |
| Revenue per Employee | 284,857 | $ |
| Effective Tax Rate | 24.3 | % |
| Float | 29.5 | mil |
| Float as % of Shares Outstanding | 99.8 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 63.9 | % |
| Pre-Tax Profit Margin | 30.9 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 1.6 | % |
| Return on Equity (ROE) | 24.9 | % |
| Return on Capital Invested (ROCI) | 11.7 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 15.9 | |
| Interest Cover | 1.9 | |
| Total Debt/Equity (Gearing Ratio) | 5.45 | |
| LT Debt/Total Capital | 37.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 21.73 | $ |
| Tangible Book-Value pS | 19.92 | $ |
| Cash Flow pS | 4.88 | $ |
| Free Cash Flow pS | 6.74 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.27 | |
| Price/Tangible Book Ratio | 0.29 | |
| Price/Cash Flow | 1.2 | |
| Price/Free Cash Flow | 0.9 | |
| P/E as % of Industry Group | 14.0 | % |
| P/E as % of Sector Segment | 13.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | Cash Payment |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 1.5 |
| Payout Ratio | 42.0 |
| 5-Y Average Payout Ratio | 18.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -3.2 | 97 | 5,026 | 7,642 |
| 4 Weeks | 8.30 | 5.23 | 7.07 | -17.7 | 80 | 3,642 | 58,272 |
| 13 Weeks | 8.30 | 5.23 | 7.36 | -20.9 | 76 | 2,055 | 117,136 |
| 26 Weeks | 8.30 | 5.23 | 7.99 | -27.2 | 65 | 1,698 | 203,818 |
| 52 Weeks | 13.59 | 5.23 | 12.04 | -51.7 | 43 | 1,662 | 410,627 |
| YTD | 8.30 | 5.23 | - | -23.9 | 74 | 2,419 | 79,833 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 5.74 | 6.77 | 7.35 | 7.59 | 7.92 | 1.01 | 2.59 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 24.07 | 99.1 | 22.09 |
| Income | 29.74 | 97.3 | 31.94 |
| Dividend | 53.60 | 78.0 | 105.58 |
| Capital Spending | 24.05 | NA | 38.64 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 29.30 | NA | 31.25 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 13.8 | 23.7 | 13.8 |
| Earnings % | 22.3 | 21.5 | 22.3 |
| EPS % | 24.9 | 23.8 | 24.9 |
| EPS $ | 0.56 | 0.15 | 0.56 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 43.63 |
| Free Cash Flow Margin 5YEAR AVG | 15.73 |
| Cash-Flow pS | 5.02 |
| Free Cash-Flow pS | 6.74 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 11.92 |
| Debt Ratio | 91.61 |
| Total Debt/Equity (Gearing Ratio) | 4.09 |
| LT Debt/Equity | 0.59 |
| LT Debt/Capital Invested | 37.27 |
| LT Debt/Total Liabilities | 5.44 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.45 |
| Tobin's Q Ratio | 0.02 |
| Current P/E Ratio - LTM | 2.10 |
| Enterprise Value (EV)/EBITDA | 0.07 |
| Enterprise Value (EV)/Free Cash Flow | 3.21 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 0.29 |
| Price/Book Ratio - LTM | 0.27 |
| Price/Cash Flow Ratio | 1.2 |
| Price/Free Cash Flow Ratio - LTM | 0.9 |
| P/E Ratio (1 month ago) - LTM | 2.5 |
| P/E Ratio (26 weeks ago) - LTM | 3.1 |
| P/E Ratio (52 weeks ago) - LTM | 5.4 |
| 5-Y High P/E Ratio | 14.6 |
| 5-Y Low P/E Ratio | 5.0 |
| 5-Y Average P/E Ratio | 11.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 19 |
| P/E as % of Industry Group | 14.0 |
| P/E as % of Sector Segment | 13.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 2.1 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 19.92 |
| Book Value pS - LTM | 21.73 |
| Capital Invested pS | 46.12 |
| Cash Flow pS - LTM | 4.88 |
| Free Cash Flow pS - LTM | 6.74 |
| Earnings pS (EPS) | 2.81 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 24.93 |
| Return on Equity (ROE) - 5YEAR AVRG. | 22.8 |
| Return on Capital Invested (ROCI) | 11.75 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 11.1 |
| Return on Assets (ROA) | 1.57 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.5 |
| EBIT Margin - LTM | 63.9 |
| EBITDA Margin - LTM | 63.9 |
| Pre-Tax Profit Margin | 91.65 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 89.00 |
| Net Profit Margin | 69.38 |
| Net Profit Margin - 5YEAR AVRG. | 67.43 |
| Effective Tax Rate | 24.30 |
| Effective Tax Rate - 5YEAR AVRG. | 24.14 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 284,857 |
| Net Income per Employee - LTM | 66,645 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 4,626.20 |
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