Banking: 65%
Insurance: 20%
Investment Services: 15%

TOP 3 Markets:
Trinidad and Tobago: 40%
Barbados: 25%
Ghana: 15%

Republic Financial Holdings Limited generates the majority of its revenue from banking, followed by insurance and investment services. RFHL's main markets are Trinidad and Tobago, Barbados, and Ghana, with Trinidad and Tobago accounting for the largest share of revenue. This diversification across different sectors and markets allows the company to spread risks and capitalize on growth opportunities in various regions.

Production Sites: Trinidad and Tobago, Barbados, Guyana, Grenada, Suriname, Cayman Islands, Ghana

Republic Financial Holdings Limited (RFHL) is a financial services group and not a manufacturing company in the traditional sense. RFHL provides banking and financial services and has branches in several countries. Services are mainly provided in the countries mentioned above, where RFHL operates its regional offices and branches.

Strategy for Future Growth: Diversification and Digital Transformation

Republic Financial Holdings Limited (RFHL) pursues a strategy focused on diversification and digital transformation. The company plans to strengthen its presence in various Caribbean markets and to enter new markets in Latin America. This is intended to be achieved through targeted acquisitions and partnerships.

Another key focus is on digital transformation. RFHL is investing in new technologies to increase efficiency and enhance the customer experience. This includes the introduction of digital banking services and the enhancement of IT infrastructure.

This strategy is intended to help RFHL remain competitive in a rapidly changing market environment and to capitalize on new growth opportunities.

Current data on imports: No specific information available (2026)

Republic Financial Holdings Limited (RFHL) is a financial services company and not a manufacturing or processing industry. Therefore, it is unlikely that RFHL directly imports raw materials or materials. Financial institutions like RFHL typically focus on services such as banking, insurance, and investments and are not involved in sourcing physical commodities.

However, if subsidiaries or partner companies of RFHL are engaged in production, they may import raw materials. In such cases, specific information on the imported materials and their countries of origin would be required, which is usually found in the annual reports or specialized industry analyses.

For more detailed information, it would be advisable to consult the latest annual reports or press releases from RFHL.

Return on Equity: 14.5% (2025)
Market Share in the Caribbean: 20% (estimated, 2025)
Credit Growth: 8% (2025)

Republic Financial Holdings Limited (RFHL) has a significant competitive advantage, especially in the Caribbean. The return on equity of 14.5% in 2025 indicates efficient capital utilization, which is above average compared to many competitors in the region.

The estimated market share of 20% in the Caribbean shows that RFHL holds a strong market position. This is supported by their extensive branch network and strong brand presence.

The credit growth of 8% in 2025 underscores the company's ability to expand in a competitive market environment and seize new business opportunities. This suggests that RFHL is capable of effectively serving both existing and new customers.

Institutional Investor Share: Estimated 45% (2026)
Insider Buys/Sells: No significant transactions reported (2026)

Republic Financial Holdings Limited has a significant share of institutional investors, indicating the trust of professional investors in the company's stability and growth potential.

In 2026, no significant insider transactions were reported, which could indicate a stable internal assessment of the company's development. This can also be seen as a sign that management does not expect drastic changes in the company's value.

Market share of Republic Financial Holdings Limited (RFHL): 25% (estimated, 2026)

Main competitors and their market shares:

1. Scotiabank Trinidad and Tobago Limited: 20%
2. First Citizens Bank Limited: 18%
3. RBC Royal Bank (Trinidad and Tobago): 15%
4. JMMB Group Limited: 10%
5. Ansa Merchant Bank Limited: 7%

Moat of RFHL:

Republic Financial Holdings Limited has a significant moat stemming from its strong market presence and wide range of financial services. The 25% market share indicates that RFHL holds a leading position in the financial sector of Trinidad and Tobago. This position is supported by an extensive branch network and a strong customer base.

Compared to its competitors, RFHL benefits from an established brand and a long history in the market, enhancing customer trust. Scotiabank and First Citizens Bank are also strong competitors with similar advantages. In particular, Scotiabank has a strong moat due to its international connections and broad product portfolio.

In summary, RFHL possesses a significant moat but operates in a competitive environment where other banks also hold strong positions. The ability to offer innovative financial products and enhance customer loyalty will be crucial for maintaining and expanding this moat.

Revenue Growth: 8.5% (2025) Profit Growth: 7.2% (2025) Return on Equity (ROE): 14.5% (2025) Dividend Yield: 4.0% (2025)

Republic Financial Holdings Limited achieved solid revenue growth of 8.5% in 2025, attributed to strong operational performance and effective expansion into new markets. The 7.2% profit growth indicates the company's ability to efficiently manage costs and benefit from its investments.

The 14.5% return on equity suggests effective capital utilization, a positive signal for investors. Additionally, a 4.0% dividend yield offers an attractive payout for income investors.

Overall, Republic Financial Holdings Limited demonstrates healthy financial performance and provides both growth and income potential. This makes the stock a potentially good investment, especially for investors interested in stable financial institutions.

Dividend Yield: 4.5% (2025)

Dividend History: Consistent payout over the last 5 years

Republic Financial Holdings Limited (RFHL) is known for its reliable dividend policy. The company has consistently paid dividends in recent years, indicating a stable financial foundation and solid profitability.

The dividend yield of 4.5% in 2025 shows that RFHL offers its shareholders an attractive return. This consistency in payout is a positive signal for investors seeking regular income from their investments.