RFAFF (RFA Financial) EBIT: $-76.8 Mil (TTM As of Mar. 2026)


RFAFF RFA Financial Inc RFAFF
31 GF Score
Price $18.43
GF Value $11.79
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is RFA Financial EBIT?

RFA Financial RFAFF 31 EBIT is $-76.8 Mil as of Mar. 2026. GuruFocus rates RFAFF with a GF Score™ of 31/100 and a GF Value™ of $11.79 (Significantly Overvalued). The stock has 7 warning signs investors should review.

RFA Financial's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $9.3 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $-76.8 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. RFA Financial's annualized ROC % for the quarter that ended in Mar. 2026 was 1.81%. RFA Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 26.35%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. RFA Financial's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -5.19%.


RFA Financial  (OTCPK:RFAFF) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

RFA Financial's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=50.296 * ( 1 - 0% )/( (1764.464 + 3808.435)/ 2 )
=50.296/2786.4495
=1.81 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1680.057 - 31.361 - ( 18.534 - max(0, 327.171 - 211.403+18.534))
=1764.464

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=3988.515 - 97.947 - ( 153.673 - max(0, 526.972 - 609.105+153.673))
=3808.435

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

RFA Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=37.096/( ( (3.401 + max(136.204, 0)) + (23.488 + max(118.431, 0)) )/ 2 )
=37.096/( ( 139.605 + 141.919 )/ 2 )
=37.096/140.762
=26.35 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(2.757 + 179.654 + 7.313) - (31.361 + 12.878 + 9.281)
=136.204

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(8.762 + 329.645 + 14.38) - (97.947 + 17.227 + 119.182)
=118.431

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

RFA Financial's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=-76.772/1478.608
=-5.19 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


RFA Financial EBIT Related Terms


RFA Financial EBIT Historical Data

* Premium members only.

The historical data trend for RFA Financial's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

RFA Financial EBIT Chart

RFA Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 357.48 70.83 -162.81 36.98 -65.66

RFA Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.28 -4.99 -12.47 -68.59 9.27

RFAFF vs VICI, WPC, BNL: EBIT Comparison

For the REIT - Diversified subindustry, RFA Financial's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


RFA Financial EV-to-EBIT vs REITs Industry

For the REITs industry and Real Estate sector, RFA Financial's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where RFA Financial's EV-to-EBIT falls into.


RFAFF
31GF Score
RFA Financial Inc RFAFF
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

RFA Financial EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-76.8 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $-76.8 Mil mean?
RFA Financial (RFAFF) has a EBIT of $-76.8 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on RFA Financial.
Is RFA Financial's EBIT too high?
RFA Financial's current EBIT is $-76.8 Mil. Overall, RFA Financial has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's EBIT compare to VICI and WPC?
RFA Financial's EBIT of $-76.8 Mil can be compared against companies in the REITs industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a REITs company?
A good EBIT depends on the REITs industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on RFA Financial. RFA Financial's current EBIT is $-76.8 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RFA Financial stock overvalued right now?
Based on GuruFocus' analysis, RFA Financial (RFAFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.79, compared to a current price of $18.43 — trading 56.3% above its estimated fair value. The current EBIT is $-76.8 Mil. RFA Financial's overall GF Score™ is 31/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For RFA Financial (RFAFF), the current EBIT is $-76.8 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is RFA Financial (RFAFF) Overvalued in 2026?

Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued. The current stock price of $18.43 is trading 56.3% above its estimated GF Value™ of $11.79. GuruFocus considers RFA Financial to be Significantly Overvalued.

Key valuation signals for RFAFF:

  • EBIT: $-76.8 Mil
  • GF Value™: $11.79 vs. price of $18.43 (56.3% above fair value)
  • GF Score™: 31/100 with 7 warning signs

No single metric tells the full story. See the RFAFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


RFA Financial Business Description

Industry Real EstateREITs
Address 145 King Street West, Suite 300, Toronto, ON, CAN, M5H 1J8
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
31GF Score

Get the complete analysis for RFAFF

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.43
Price
$11.79
GF Value