Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
RFA FinancialRFAFF 41 Intrinsic Value: Projected FCF is $37.23 as of Aug. 09, 2026, which is 9962% above its 10-year median of 0.37. GuruFocus rates RFAFF with a GF Score™ of 41/100 and a GF Value™ of $11.62 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 614 REITs companies, RFA Financial ranks better than 71.01% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-09), RFA Financial's Intrinsic Value: Projected FCF is $37.23. The stock price of RFA Financial is $18.47. Therefore, RFA Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.
The historical rank and industry rank for RFA Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
RFAFF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.22 Med: 0.37 Max: 0.55
Current: 0.49
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of RFA Financial was 0.55. The lowest was 0.22. And the median was 0.37.
RFAFF's Price-to-Projected-FCF is ranked better than 71.01% of 614
companies
in the REITs industry
Industry Median: 0.68
vs RFAFF: 0.49
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
RFA Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
18.47
/
36.844829372902
=
0.50
* 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 Intrinsic Value: Projected FCF Related Terms
RFA Financial Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for RFA Financial's Intrinsic Value: Projected FCF 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.
RFAFF vs VICI, WPC, BNL: Intrinsic Value: Projected FCF Comparison
For the REIT - Diversified subindustry, RFA Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs REITs Industry
For the REITs industry and Real Estate sector, RFA Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where RFA Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $37.23 mean?
RFA Financial (RFAFF) has a Intrinsic Value: Projected FCF of $37.23 as of Aug. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on RFA Financial and its competitors. This is 9962% above median its historical median of 0.37. Over the past decade, RFA Financial's Intrinsic Value: Projected FCF has ranged from 0.22 to 0.55. According to the industry distribution chart, RFA Financial ranks #178 out of 614 companies in the REITs industry, placing it in the top 29%.
Is RFA Financial's Intrinsic Value: Projected FCF too high?
RFA Financial's current Intrinsic Value: Projected FCF of $37.23 is 9962% above median its 10-year median of 0.37. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.55. The REITs industry median Intrinsic Value: Projected FCF is 0.68. RFA Financial's value of $37.23 is 5375% above this industry median. Based on the distribution chart, RFA Financial ranks #178 out of 614 companies in the REITs industry, which is above the industry midpoint. Overall, RFA Financial has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's Intrinsic Value: Projected FCF compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #178 out of 614 companies for Intrinsic Value: Projected FCF. This puts RFA Financial in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.68. RFA Financial's value of $37.23 is 5375% above this benchmark. Historically, RFA Financial's own Intrinsic Value: Projected FCF has ranged from 0.22 to 0.55 over the past decade. While the company's 10-year median is 0.37 vs. the industry median of 0.68, RFA Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a REITs company?
The median Intrinsic Value: Projected FCF among REITs companies is 0.68, based on 614 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RFA Financial's current Intrinsic Value: Projected FCF of $37.23 is 5375% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on RFA Financial and its competitors. For the REITs industry, the median Intrinsic Value: Projected FCF is 0.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RFA Financial's current Intrinsic Value: Projected FCF is $37.23, which is 9962% above median its own 10-year median of 0.37. 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 $11.62, compared to a current price of $18.47 — trading 59% above its estimated fair value. The current Intrinsic Value: Projected FCF is $37.23, which is 9962% above median its 10-year median of 0.37 and 5375% above the REITs industry median of 0.68. RFA Financial's overall GF Score™ is 41/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For RFA Financial (RFAFF), the current Intrinsic Value: Projected FCF is $37.23 as of Aug. 09, 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 $18.47 is trading 59% above its estimated GF Value™ of $11.62.
GuruFocus considers RFA Financial to be Significantly Overvalued.
Key valuation signals for RFAFF:
Intrinsic Value: Projected FCF: $37.23 (9962% above median its 10-year median of 0.37)
GF Value™: $11.62 vs. price of $18.47 (59% above fair value)
Industry Position: 5375% above the REITs median (#178 of 614)
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 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.
41GF Score
Get the complete analysis for RFAFF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RFAFF has been successfully added to your 
