RTO

RTO Net Debt/FCF

The Net Debt to Free Cash Flow Ratio of RTO (RTO.NZ) as of Oct 31, 2026 is 0.83. In the previous year, Net Debt to Free Cash Flow Ratio was 0.39 — a change of 115.18% (higher).

Net Debt/FCF

0.83

YoY

115.18%

Last updated:

Net Debt to Free Cash Flow Ratio of RTO is 2025 0.83 . Net Debt to Free Cash Flow Ratio of RTO was 2024 0.39 . It decreases by 115.18% higher compared to the previous year.

The RTO Net Debt/FCF history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Net Debt/FCF
Date
Net Debt/FCF
Jan 1, 2018
-0.38 NZD
Jan 1, 2019
-1.60 NZD
Jan 1, 2020
0.22 NZD
Jan 1, 2021
2.11 NZD
Jan 1, 2022
-1.28 NZD
Jan 1, 2023
1.20 NZD
Jan 1, 2024
0.39 NZD
Jan 1, 2025
0.83 NZD
The RTO Net Debt/FCF history
YEARNet Debt/FCFYoY
0.83+115.18%
0.39-67.86%
1.20-194.04%
-1.28-160.71%
2.11+854.78%
0.22-113.81%
-1.60+323.55%
-0.38-4.40%
-0.40-266.97%
0.24-65.61%
0.69-106.03%
-11.41—

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RTO Stock analysis

What does RTO do? RTO Ltd generates revenue through its subsidiaries Blackwell Global Finance Limited and Blackwell Global Funds Limited, which provide diversified financial services and act as special purpose vehicles. The company's mortgage lending business serves clients seeking residential and commercial property financing, with Blackwell Global Finance Limited offering tailored lending solutions. NZF Money Limited, currently in receivership, was previously involved in financial services but no longer contributes to revenue streams. Blackwell Global Holdings Ltd. operates as the parent entity, managing the subsidiaries' activities within the mortgage lending sector. The firm targets residential and commercial property buyers, leveraging its subsidiaries to deliver comprehensive financial products. Blackwell Global Funds Limited functions as a special purpose vehicle, supporting structured financial arrangements without direct client-facing services. The business model relies on mortgage lending as the primary revenue driver, with Blackwell Global Finance Limited handling client relationships and transaction processing. Special purpose vehicles like Blackwell Global Funds Limited facilitate complex financial structures, while NZF Money Limited's receivership status indicates a non-operational segment that does not generate income. RTO is one of the most popular companies on Eulerpool.

Frequently Asked Questions about RTO stock

Net Debt to Free Cash Flow Ratio of RTO is 0.83 in 2025.

Net Debt to Free Cash Flow Ratio of RTO changed from 0.39 to 0.83, representing a 115.18% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Net Debt to Free Cash Flow Ratio RTO since 2006 – with annual values, charts, and detailed analysis.

Net Debt/FCF indicates how many years it would take to repay net debt using free cash flow. Lower ratios suggest faster deleveraging potential.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Net Debt to Free Cash Flow Ratio's RTO with sector peers and the industry average to assess whether it is attractive.

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