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Republic Financial Holdings Limited (TTSE:RFHL)
Trinidad and Tobago flag Trinidad and Tobago · Delayed Price · Currency is TTD
108.85
-0.15 (-0.14%)
At close: Jul 24, 2026

TTSE:RFHL Financials Overview

Millions TTD. Fiscal year is Oct - Sep.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Sep '25 Sep '24 Sep '23 Sep '22 Sep '21
Revenue
7,7687,5547,0586,5125,8845,454
Revenue Growth
6.92%7.03%8.38%10.67%7.88%7.40%
Net Income
2,2562,2022,0051,7501,5261,308
Earnings Per Share
13.8813.5212.3010.749.338.02
EPS Growth
12.31%9.93%14.50%15.14%16.33%44.77%

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '25 Sep '24 Sep '23 Sep '22 Sep '21
Retail and Commercial Banking
7,6548,7427,6266,5194,869
Other Financial Services
1,740381995587585.88
Eliminations and Other Adjustments
-1,840-2,065-2,109-1,222-
Total
7,5547,0586,5125,8845,455

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Sep '25 Sep '24 Sep '23 Sep '22 Sep '21
Cash & Investments
28,72311,28810,27711,07713,68916,441
Total Debt
1,4976,0295,4765,8987,0027,123
Net Cash (Debt)
27,2265,2594,8015,1796,6879,317
Net Cash Growth
1.22%9.54%-7.30%-22.55%-28.23%10.74%
Net Cash Per Share
167.5432.2929.4531.7940.9057.13

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Sep '25 Sep '24 Sep '23 Sep '22 Sep '21
Operating Cash Flow
-5,057-4,448-3,006-1,7058601,744
Capital Expenditures
-430-368-387-394-410-421.2
Free Cash Flow
-5,487-4,816-3,393-2,0994501,323
Free Cash Flow Growth
-----65.98%296.47%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Sep '25 Sep '24 Sep '23 Sep '22 Sep '21
Profit Margin
29.04%29.15%28.41%26.87%25.94%23.98%
FCF Margin
-70.64%-63.75%-48.07%-32.23%7.65%24.25%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Sep '25 Sep '24 Sep '23 Sep '22 Sep '21
Dividend Per Share
6.0006.0005.7005.2004.5004.000
Dividend Per Share Growth
5.26%5.26%9.62%15.56%12.50%48.15%
Dividend Yield
5.50%5.91%5.62%4.99%3.77%3.54%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Sep '25 Sep '24 Sep '23 Sep '22 Sep '21
PE Ratio
7.847.939.1411.3215.0017.02
P/FCF Ratio
----50.8816.83
PS Ratio
2.302.312.603.043.894.08