Republic Bancorp, Inc.

NASDAQ
RBCAA
Stock
Yield per half year: +13.68%
Dividend yield: 2.35%
Sector: Financials

Reporting Republic Bancorp, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Capitalization, bln $
0.5214 0.615 0.7793 0.9151 0.9529 0.7203 0.9665 0.8969 0.8708 1.4 0.8815 -1.79
Revenue, bln $
0.2094 0.2529 0.285 0.2984 0.3151 0.3025 0.3087 0.4216 0.4998 0.4998 0.3695 9.67
Net profit, bln $
0.0459 0.0456 0.0779 0.0917 0.0832 0.0868 0.0911 0.0904 0.1014 0.1014 0.0906 4.04
EV, bln $
1.38 0.7252 1.34 1.42 0.595 0.363 0.6432 1.3 1.47 1.47 0.8742 19.83
EBIT, bln $
0.0961 0.1086 0.1244 0.1132 0.1026 0.1103 0.1168 0.1132 0.1277 0.1277 0.1141 4.47
EBITDA, bln $
0.0962 0.1086 0.1352 0.1242 0.1161 0.1228 0.1244 0.1282 0.1423 0.1423 0.1268 4.15
OIBDA $
0.1317 0.1432 0.1526 0.1511 0.1687 0.1687 0.1495 5.08
Book value, bln $
0.6044 0.6324 0.6899 0.7642 0.8233 0.8342 0.8566 0.9128 0.992 0.992 0.8838 3.80
FCF, bln $
0.0406 0.0654 0.1102 0.0844 0.0649 0.0936 0.1513 0.1016 0.1432 0.1432 0.1109 17.15
Operating Cash Flow, bln $
0.0477 0.0778 0.1192 0.0972 0.0684 0.0994 0.1548 0.1085 0.149 0.149 0.1160 16.85
Operating profit, bln $
0.0869 0.0986 0.0943 0.1132 0.1026 0.1103 0.1193 0.1132 0.1277 0.1277 0.1146 4.47
Operating expenses, bln $
-0.1225 -0.1543 0.225 0.243 0.237 0.1823 -0.1895 0.1934 0.1969 0.1969 0.1240 -3.64
CAPEX, bln $
0.007 0.0124 0.009 0.0129 0.0036 0.0058 0.0035 0.0069 0.0058 0.0058 0.0051 10.01


Balance sheet

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Cash, bln $
0.2893 0.2994 0.3515 0.3853 0.4856 0.757 0.3137 0.3166 0.4322 0.4322 0.4610 -2.30
Short-Term Investments $
0.4813 0.5272 0.4757 0.4714 0.5239 0.4951 0.6204 0.5913 0.3429 0.3429 0.5147 -8.13
Long-Term Investments $
3.06 3.34 3.84 4.04 4.66 4.94 5.32 0.542 0.7079 0.7429 2.45 -31.54
Accounts Receivable $
0.0136 0.0166 0.015 0.014 0.01 0.0085 0.0104 0.0875 0.0922 0.0922 0.0417 55.94
Total Current Assets $
4.22 4.44 4.64 0.8707 1.02 1.26 0.9349 0.9954 0.8673 0.8673 1.02 -3.19
Net assets, bln $
0.0442 0.0311 0.0443 0.0427 0.0433 0.0455 0.042 0.0749 0.0336 0.0336 0.0479 -4.95
Assets, bln $
4.82 5.09 5.24 5.62 6.17 6.09 5.83 6.59 6.85 6.85 6.31 2.11
Short-Term Debt $
1.02 0.204 0.11 0.4801 0.2171 0.3306 0.303 0.0976 0.1033 0.1033 0.2103 -13.80
Long-Term Debt $
0.0412 0.0412 0.0412 0.0412 0.0412 0.025 0.095 0.38 0.395 0.395 0.1872 57.16
Liabilities, bln $
4.21 4.45 4.55 0.8278 0.3206 0.0647 4.98 5.68 5.85 5.85 3.38 78.75
Net debt, bln $
0.5544 0.4794 0.4998 0.4425 -0.165 -0.6923 -0.1809 0.1966 0.1033 0.1033 -0.1477 -191.06
Debt, bln $
1.06 0.2453 0.8512 0.8278 0.3206 0.0647 0.1328 0.5132 0.5354 0.5354 0.3133 10.80
Interest Income $
0.1424 0.174 0.2188 0.2562 0.2809 0.2523 0.2263 0.2442 0.3318 0.2671 3.39
Interest Expense, bln $
0.0179 0.0203 0.0301 0.0448 0.0199 0.0057 0.0075 0.0673 0.1208 0.1208 0.0442 43.43
Net interest income, bln $
0.124 0.1561 0.1985 0.2562 0.2809 0.2523 0.2263 0.2442 0.3318 0.3318 0.2671 3.39
Goodwill $
0.0102 0.0102 0.0163 0.0163 0.0163 0.0163 0.0163 0.0163 0.0163 0.0405 0.0211 19.96
Amortization, bln $
0.0000 0.0001 0.0108 0.0111 0.0135 0.0124 0.0076 0.015 0.0146 0.0146 0.0126 1.58
Cost of production, bln $
0.0225 0.0239 0.0324 0.048 0.0512 0.0205 0.0298 0.1149 0.1752 0.1752 0.0783 27.89
Inventory $
0.0012 0.0014 0.000115 0.00016 0.000113 0.0025 0.0085 0.0016 0.229 0.229 0.0483 358.51


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 2.22 2.48 3.7 4.34 3.95 4.18 4.58 4.55 5.19 5.19 4.49 5.61
Share price 36.66 43.34 45.09 34.19 47.43 40.92 55.16 69.87 71.54 71.54 56.98 8.57
Number of shares, mln 20.94 21.26 21.07 21.14 21.07 20.76 19.9 19.85 19.54 19.54 20.22 -1.50
FCF/share 1.94 3.08 5.23 3.99 3.08 4.51 7.6 5.12 7.33 7.33 5.53 18.94


Efficiency

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 7.59 7.22 11.77 12.61 10.49 10.47 10.78 10.22 10.64 10.64 -24.68 10.52 0.28
ROA, % 0.9531 0.8973 1.51 1.69 1.41 1.42 1.53 1.45 1.51 1.51 10.01 1.46 1.38
ROIC, % 4.57 5.03 3.77 7.21 10.18 10.85 9.51 9.44 12.07 8.48 12.34 10.07 -4.81
ROS, % 18.04 27.32 30.73 26.42 28.96 29.51 21.44 20.28 20.28 20.28 26.69 24.09 -6.88
ROCE, % 17.17 17.01 14.05 1.72 11.77 2.14 7.84 8.33 12.87 12.87 -33.05 8.59 1.80
EBIT margin 41.57 32.58 36.84 37.85 26.86 25.55 25.55 25.55 34.34 30.53 -7.06
EBITDA margin 42.94 47.43 41.63 36.85 40.59 40.31 30.42 28.48 28.48 28.48 38.76 33.66 -6.84
Net margin 21.92 18.04 27.32 30.73 26.42 28.69 29.51 21.44 20.28 20.28 26.69 25.27 -5.15
Operational efficiency, % 39 43.64 37.93 32.58 36.48 38.63 26.86 25.55 25.55 25.55 31.18 30.61 -6.87
FCF yield, % 8.58 6.61 8.39 12.04 8.85 9 9.69 16.87 11.67 10.24 4.42 11.22 5.69


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
13.4 17.08 10.8 10.64 9.13 12.16 9.04 12.25 13.52 13.52 28.31 11.22 8.17
P/BV
1.02 1.23 1.22 0.2036 0.13 0.175 0.962 1.21 1.38 1.38 -6.51 0.7714 60.39
P/S
2.94 3.08 2.95 3.27 2.41 3.49 2.67 2.63 2.74 2.74 7.17 2.79 2.60
P/FCF
11.92 8.31 11.3 11.11 10.32 5.93 0 0 9.76 9.76 26.78 9.68 -2.89
E/P
0.0586 0.0851 0.0962 0.1156 0.0906 0.1016 0.1038 0 0.0725 0.0725 0.04 0.0968 -8.91
EV/EBIT
11.36 5.73 3.17 5.5 11.52 11.54 11.54 11.54 21.71 8.65 29.49
EV/EBITDA
14.4 6.68 9.92 11.42 5.12 2.96 5.17 10.17 10.35 10.35 18.61 6.75 15.12
EV/S
2.87 2.91 2.83 1.69 1.87 2.08 3.09 2.95 2.95 2.95 7.41 2.59 9.55
EV/FCF
11.09 7.53 10.03 8.19 6.03 4.25 12.83 10.29 10.29 10.29 25.82 8.74 11.28
Debt/EBITDA
2.26 6.3 6.66 2.76 0.5267 1.07 4 3.76 3.76 3.76 2.16 2.62 48.16
Netdebt/Ebitda
4.41 3.7 3.56 -1.42 -5.64 -1.45 1.53 0.7257 0.7257 0.7257 1.03 -0.8217 -166.36
Debt/Ratio
0.0482 0.0508 0.0495 0.0481 0.0584 0.0228 0.0778 0.0782 0.0782 0.0782 0.35 0.0631 6.01
Debt/Equity
0.3878 0.3861 0.3639 0.3603 0.4263 0.155 0.5622 0.5397 5.9 5.9 -0.50 1.52 69.13
Debt/Net Income
5.37 3.42 3.03 3.56 4.06 1.46 5.68 5.28 5.28 5.28 3.94 4.35 5.40
PEG
-0.9144 -0.9144 9.14 -0.9144 0.00
Beta
1.08 0.9063 -0.066 -0.066 0.19 0.6401 -139.39
Altman Index
0.3701 0.4218 0.414 0.1195 0.2617 0.221 0.0399 0.2487 0.5899 0.5899 30.47 0.2722 17.65


Dividends

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
Div. payout, bln
0.0149 0.0158 0.0168 0.0195 0.0214 0.0232 0.0247 0.0261 0.0284 0.0305 0.0266 5.62
Dividend
0.869 0.968 1.06 1.14 1.23 1.36 1.53 1.67 0.902 2.17 1.34 -6.01
Dividend yield, %
2.06 2.19 2.24 2.94 2.33 3.04 3.08 2.4 2.4 2.35 1.38 2.65 0.59
Dividends / profit, %
36.53 38.69 25.04 23.31 27.87 28.46 28.7 31.37 30.09 30.09 45.79 29.30 1.54
Dividend coverage ratio
3.37 3.35 3.21 2.96 25.63 3.22 -3.19


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Revenue, %
1.14 1.91 1.13 1.64 1.16 1.16 0.35
Staff, people
1 033 1 010 -1.12