Rubik Financial Limited (RFL)



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General Information
Company Name: Rubik Financial Limited
Stock Code: RFL
Website: www.rubik.com.au
GICS Sub-Industry: Data Processing & Outsourced Services
Market Cap ($M): 81
Equiv. Shares (M): 360

Current Price Data+
Current Price Open High Low Last Close Volume Price Movement
 $ 0.245 $ 0.240 $ 0.250 $ 0.232 $ 0.225 983,123 $ 0.020  8.889 %

Company Overview

Business Description:
Rubik Financial Limited (RFL) is a provider of banking systems and integrated technology platform to financial services institution. RFL supplies financial technology to around 200 banking organisations in 16 countries from 4 locations namely Sydney, Perth, Singapore, Dubai. RFL conducts two main divisions being financial services in Australia and software solutions in Asia Pacific, Middle East and rest of world.


Financial Summary
Year to Jun NPAT EPS EPS chg (%) PER DPS Yield (%) Franking (%)
2014  A 8.7 3.1 NaN 10.5 0.0 0.0 --
2013  A 0.4 0.2 -- 72.3 0.0 0.0 --
2012  A -0.8 -0.3 -- 0.0 0.0 0.0 --
Source: Aspect actuals / Thomson IBES estimates

Peer Comparison
EPS Growth (%) P/E (%) Dividend Yield (%)
Company Mkt Cap 2012 A 2013 F 2014 F 2012 A 2013 F 2014 F 2012 A 2013 F 2014 F
NEXTDC (NXT) $378 M -- -- -- -- -- -- 0.00 0.00 0.00
Rubik Financial (RFL) $77 M 19.5333 -- -- 6.9805 -- -- 0.00 -- --

Market Comparison
Earnings P/E Ratio P/B Ratio P/E Growth P/S Ratio
RFL 0.35 7.31 1.16 -- 2.08
Market 1.13 13.6 1.00 1.01 3.00
Sector 1.00 20.0 2.30 1.13 2.84

Directors
Name Position Start Date
Mr Craig Evan Coleman Chairman 01 December 2006
Mr Iain Dunstan Managing Director 20 October 2014
Mr Andrew Graeme Moffat Non-Executive Director 01 December 2006
Mr John Clark Wilson Non-Executive Director 21 August 2012

Management
Name Position
Niek Hoogenhout Chief Executive Officer
Darius Coveney Chief Financial Officer,Company Secretary
Ken Carr Managing Director, Banking
Brett Spencer Managing Director, Mortgages
Wayne Wilson Managing Director, Wealth

Substantial Shareholders
Holding Name
13,884,363 (4.07%) Gumbalie Pty Ltd
42,272,727 (12.39%) Wyllie Group Pty Ltd
17,387,419 (5.09%) Watermark Funds Management Pty Ltd
17,236,872 (5.05%) LHC Capital Pty Ltd

Calendar of Events
Date Event
16 November 2015 Report (Annual)
14 October 2015 Report (Annual)
29 September 2015 Report (Annual)
31 August 2015 Report (Prelim)
28 August 2015 Report (Prelim)
26 February 2015 Report (Interim)
© 2011 Morningstar, Inc. All rights reserved. The data and content contained herein are not guaranteed to be accurate, complete or timely. Neither Morningstar, nor its affiliates nor their content providers will have any liability for use or distribution of any of this information. To the extent that any of the content above constitutes advice, it is general advice that has been prepared by Morningstar Australasia Pty Ltd ABN: 95 090 665 544, AFSL: 240892 (a subsidiary of Morningstar, Inc.), without reference to your objectives, financial situation or needs. Before acting on any advice, you should consider the appropriateness of the advice and we recommend you obtain financial, legal and taxation advice before making any financial investment decision. If applicable investors should obtain the relevant product disclosure statement and consider it before making any decision to invest. Some material is copyright and published under licence from ASX Operations Pty Limited ACN 004 523 782 ("ASXO"). DISCLOSURE: Employees may have an interest in the securities discussed in this report. Please refer to our Financial Services Guide (FSG) for more information at www.morningstar.com.au/fsg.asp.

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