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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
RFA Financial
RFA Financial (RFA) investor relations material
RFA Financial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary11 Nov, 2026
Executive summary
Integration and strategic execution continued following the February merger, with mortgage originations rising 31% YoY to $5.2B through September and 2026 volume on track to exceed 2025.
Disposition activity reached $530M by Nov. 11, supporting capital recycling and growth of the lending platform.
Financial highlights
Q3 property sales totaled $110.5M; YTD closed sales were $264.8M through September and $304M as of Nov. 11.
Q3 net interest income was $18.0M and PPPT was $7.6M; reported NIM was 2.6%, or 2.4% excluding non-cash purchase price adjustments.
CET1 was 16.09%; realized credit losses were 0.23% of average mortgage and loan assets.
Q3 lease renewals achieved an 11.2% weighted-average rental-rate increase.
Outlook and guidance
3–5-year targets include $1.3B–$1.5B in cumulative asset sales, $8B–$12B in lending assets, low-to-mid-teen ROE, 40%–50% bank net income CAGR and payout ratio below 65%.
2026 originations were on track to exceed 2025; priorities include accelerating growth, completing integration and reducing the payout ratio.
Sale agreements covering $170.5M in Canadian and U.S. properties were expected to close in 2026, subject to closing conditions.
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Latest events from RFA Financial
- Record asset sales, mortgage originations, and a major lease drove robust Q2 2026 results.RFA
Q2 2026 - Merger with RFA Capital Holdings Inc. and all resolutions approved by required margins.RFAEGM 2025
- Board expanded, directors elected, and auditors reappointed; all motions carried.RFAAGM 2026
- Q1 saw robust originations, asset sales above IFRS, and strong integration progress.RFAQ1 2026
- Occupancy and rental rates increased, but FFO and revenue fell significantly year-over-year.RFAQ2 2025
- Leverage fell to 39.8% and AFFO payout ratio improved to 71% amid $616M in asset sales.RFAQ3 2024
- Leverage at 49.8%, $1.1B in asset sales, and rising NAV per unit drive value creation.RFAQ2 2024
- Leverage dropped to 39.2% as asset sales and buybacks drove NAV per unit to CAD 13.76.RFAQ1 2025
- Leverage reduced to 40.2% and liquidity strengthened as NAV per unit held at $13.75.RFAQ4 2024
Next RFA Financial earnings date
Q4 202611 Mar, 2027
RFA Financial
Next RFA Financial earnings date
Q4 202611 Mar, 2027
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Frequently asked questions
Artis Real Estate Investment Trust is a Canadian REIT focused on the ownership and management of commercial real estate. The company’s portfolio includes office, retail, and industrial properties across Canada and the United States. It also engages in real estate development and redevelopment projects. The company is headquartered in Winnipeg, Canada, and its shares are listed on the TSX.