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Ready Capital Corp T.RC


Primary Symbol: RC Alternate Symbol(s):  RC.PR.C

Ready Capital Corporation is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans. Its segments include LMM Commercial Real Estate and Small Business Lending. The LMM Commercial Real Estate segment originates lower-to-middle-market commercial real estate (LMM) loans across the full life cycle of an LMM property including construction, bridge, stabilized and agency loan origination channels through its wholly owned subsidiary, ReadyCap Commercial, LLC. These originated loans are generally held-for-investment or placed into securitization structures. As part of this segment, it originates and services multi-family loan products under the Freddie Mac SBL program. The Small Business Lending segment acquires, originates and services owner-occupied loans guaranteed by the Small Business Administration (SBA) under its SBA Section 7(a) Program through its wholly owned subsidiary, ReadyCap Lending, LLC.


NYSE:RC - Post by User

Post by TheRock07on Dec 02, 2014 12:39pm
165 Views
Post# 23186072

Going to $5 in 2015

Going to $5 in 2015

Adjusted EBITDA grows 20% in 2014

WATERLOO, ON, Nov. 20, 2014 /CNW/ - RDM Corporation (TSX:RC), a leading provider of specialized software and hardware products for electronic payment processing, today reported its financial results for the fourth quarter and fiscal year ended September 30, 2014. All figures are reported in U.S. dollars unless otherwise stated.

Fiscal 2014 Highlights (Unless otherwise noted comparisons are made between fiscal 2014 and fiscal 2013 results)

  • Total revenue improved to $22.7 million, compared to $21.9 million in fiscal 2013, with Payment Processing Services ("PPS") accounting for 63% of revenue compared to 60% in fiscal 2013.
  • Total PPS revenue grew 8.8% to $14.2 million.
  • Gross profit from PPS grew 18.2% to $9.7 million, with gross margins improving to 68.2% from 62.8%.
  • Total gross margin expanded to 55.6% from 53.2%.
  • Added 4,959 end user seats in fiscal 2014, growing total ends users on the ITMS network 16% to 36,980.
  • Operating income grew by 46% to $2.9 million, driven by solid growth in PPS revenue and stable operating expenses.
  • Net income increased to $2.8 million, compared to a net loss of $519,000 in fiscal 2013.
  • Adjusted EBITDA increased 20% to $4.3 million, compared to $3.6 million in 2013.
  • The Company generated record cash from operations of $4.3 million.

Q4 Fiscal 2014 Highlights

  • Total revenue was $6.2 million, compared to $5.6 million in Q4 of 2013.
  • PPS revenue increased by 5% to $3.5 million, compared to in Q4 2013, driven primarily by growth in ITMS end-user seats.
  • Digital Imaging revenue grew 17% to $2.7 million, as compared to $2.3 million in Q4 2013.
  • Adjusted EBITDA increased by 5% to $1.2 million and operating income was up 41% to $0.9 million.
  • The Company generated $3.0 million in cash from operations during the quarter and ended the period with a cash balance of $22.4 million.

"Our results continue to demonstrate the underlying stability of our business and our success in shifting the Company toward higher-margin, recurring revenue streams," said Randy Fowlie, President and CEO of RDM Corporation. "We generated a record $4.3 million in cash from operations, grew operating income 46% to $2.9 million and instituted a dividend program this year. The strength of our product offering is being recognized in the market as we continue to win new customers. Through commercializing our new products and engaging with the opportunities in our pipeline, we will continue to grow our customer base while building our recurring revenue stream. "

Dividend

The Board of Directors declared a dividend today of $0.01 per share that is payable on December 18, 2014, to shareholders of record as of December 4, 2014. Pursuant to the rules of the TSX, the Ex-Dividend date will be December 16, 2014.

The dividends to be paid on December 18, 2014 are designated as "eligible dividends" for the purpose of section 89 of the Income Tax Act (Canada).

Conference Call

RDM will be hosting a conference call to discuss the Company's fourth quarter and fiscal 2014 results on November 20, 2014 at 9:00 a.m. EDT. Dial-in numbers are 647-427-7450 or 1-888-231-8191. The call will be webcast live and archived at www.rdmcorp.com. Detailed financial results and Management's Discussion and Analysis ("MD&A") will be filed on www.sedar.com.

Non-IFRS Measures

Adjusted EBITDA (earnings before interest, taxes, depreciation and amortization adjusted for foreign exchange gains and losses, stock-based compensation and one time charges) is provided to assist management and investors in determining the Company's approximate operating cash flows before interest, income taxes, and depreciation and amortization. Adjusted EBITDA does not have any standardized meaning prescribed by IFRS and may not be comparable to similar measures presented by other companies. Management believes that RDM shareholders and potential investors in RDM use non-IFRS financial measures such as Adjusted EBITDA in making investment decisions about the Company and measuring the operational results. A reconciliation of Adjusted EBITDA to net income determined in accordance with IFRS is provided in the Company's MD&A and in the accompanying schedule.

About RDM Corporation

RDM Corporation (www.rdmcorp.com), is a leading provider of remote deposit capture (RDC) and complex desktop remittance processing solutions designed to help clients simplify the way they do business. Four of the top ten financial institutions in the United States use RDM's payment processing solutions. RDM processes over $600 billion in payments annually and helps corporations and financial institutions increase revenue, expand market share and improve customer service for over 30,000 end-users. RDM serves 32 percent of the top 100 Fortune 500 companies including brokerage firms, big box retailers, healthcare and insurance providers, and government entities.

For over 25 years, RDM has worked with clients to provide both software and hardware solutions including web-based and mobile RDC for large corporate clients and small businesses, transactional data management, and manufactures a wide range of digital imaging scanners. RDM was recently named to the Branham300 list, which highlights the top Canadian and multinational companies servicing the Information and Communication Technology (ICT


Read more at https://www.stockhouse.com/news/press-releases/2014/11/20/rdm-corporation-reports-fiscal-2014-fourth-quarter-and-year-end-financial#x4se76fKlVwzmLzW.99
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