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Real Matters Inc T.REAL

Alternate Symbol(s):  RLLMF

Real Matters Inc. is a Canada-based technology company. The Company provides network management services platform for the mortgage and insurance industries. It provides residential real estate appraisal and title services to mortgage lenders in the United States of America and residential real estate appraisal and insurance inspection services in Canada. Its segments include U.S. appraisal, U.S. title, and Canada. The U.S. Appraisal segment provides residential mortgage appraisals for purchase, refinance, home equity and default transactions through its Solidifi brand. The U.S. Title segment serves the title market by providing various title services for refinance, purchase, home equity, short sale and real estate owned transactions to financial institutions through its Solidifi brand. The Canadian segment’s primary service offerings include residential mortgage appraisals for purchase, refinance and home equity transactions provided through its Solidifi brand.


TSX:REAL - Post by User

Comment by Capharnaumon Jan 28, 2022 11:19am
337 Views
Post# 34371373

RE:RE:RE:RE:RE:RE:Small Buybacks restarted & Short Report Increase

RE:RE:RE:RE:RE:RE:Small Buybacks restarted & Short Report Increase
GOLDSILVERBAR wrote: Ok well, look, their cash flow just collapsed 66%, EBITDA for the first quarter went from 17.4 to 5.9M, so the shares are still trading a huge multiple based on that collapse, care to comment?


The lack of traction related to their transition to tier 1 US Titles is certainly frustrating. It is hurting the EBITDA margin hard. If you believe management, that's the path to growing to 6-8% market share with 50-55% EBITDA net margins. When they get there, that would mean around $15M EBITDA from US titles each quarter.

Current EBITDA for US titles probably isn't indicative of long run EBITDA, but may linger for the first half of 2022.

FCF (MDA p.16) was $5.2M, down from $9.8M last year. Based on the quarter FCF, shares would be trading at 22x at current price.

Unfortunately, until they "prove" that their transitory path in US Titles is working out, share price weakness will likely continue. Looks like their new clients are really satisfied but shareholders want to see results.

I think that the long term value of REAL is still compelling but at the same time I'm disappointed by the US Titles results and I believe management should have been more upfront about the effect of their strategy on EBITDA/FCF. In the meantime, they will keep buying back shares which should be beneficial long term for the shareholders.
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