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Real Matters Inc. (REAL.TO)
Markham, ON, CA
Real Matters Inc. is a Canadian enterprise delivering technology-driven network management solutions, primarily serving the mortgage lending and insurance industries across Canada and the United States. Under its Solidifi brand, the company provides residential mortgage appraisal services for various transaction types, including purchases, refinances, home equity loans, and defaults. Solidifi also extends comprehensive residential and commercial real estate title and closing services to financial institutions, covering transactions such as refinances, purchases, short sales, and real estate owned (REO) properties. These crucial mortgage closing services encompass title searches, curative actions, closing and escrow functions, title policy issuance, and other specialized title services, including those for capital markets. Concurrently, its iv3 brand supplies inspection services to property and casualty insurers. Beyond direct service provision, Real Matters additionally offers access to its proprietary software platforms on a subscription basis to other title insurance agencies and mortgage lenders. The company, incorporated in 2004, was initially known as Solidifi Inc. before being rebranded as Real Matters Inc. in July 2010. Its corporate headquarters are located in Markham, Canada.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.74% | -6.77% | +0.36% | -7.98% | -11.16% | -2.59% | -6.77% | +3.86% | -65.27% | -53.27% | -53.27% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 2 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Software - Application: +13.0%-1.7% Q1'26: +24.5% (vs Q1'25)
-
EPS growth Software - Application: +28.6%-155,100.0% Q1'26: +152.7% (vs Q1'25)
-
FCF margin FCF growth · Software - Application: +45.3%-14.7% Q1'26: -2.8% (vs Q1'25)
-
EBIT margin Software - Application: +9.4%-2.8% Q1'26: +3.2% (vs Q1'25)
-
ROIC Software - Application: +7.5%-9.0% Q1'26: +10.2% (vs Q1'25)
-
Share dilution Software - Application: +0.0%+0.5% Q1'26: +0.9% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×-1.01× Q1'26: 0.14× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Sep 2017 actual |
Sep 2018 actual |
Sep 2019 actual |
Sep 2020 actual |
Sep 2021 actual |
Sep 2022 actual |
Sep 2023 actual |
Sep 2024 actual |
Sep 2025 actual |
Sep 2026 5 Rev. Ana. 4 EPS Ana. |
Sep 2027 5 Rev. Ana. 4 EPS Ana. |
Sep 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
302.98M
est: 92.15M (+228.8%)
|
281.45M
est: 82.65M (+240.5%)
|
322.54M
est: 95.30M (+238.4%)
|
455.95M
est: 161.54M (+182.2%)
|
504.11M
est: 163.36M (+208.6%)
|
339.64M
est: 87.10M (+289.9%)
|
163.91M
est: 122.06M (+34.3%)
|
172.72M
est: 46.24M (+273.5%)
|
169.75M
est: 44.90M (+278.1%)
|
56.11M
54.31M – 58.79M
+25.0% YoY
|
70.84M
64.75M – 74.19M
+26.2% YoY
|
82.62M
77.53M – 86.55M
+16.6% YoY
|
| EBITDA |
-10.04M
est: 1.75M (-674.7%)
|
5.29M
est: 1.57M (+237.2%)
|
27.16M
est: 1.81M (+1,402.9%)
|
70.35M
est: 3.06M (+2,196.6%)
|
51.56M
est: 3.10M (+1,564.5%)
|
5.91M
est: 1.65M (+258.0%)
|
-4.99M
est: 2.31M (-315.4%)
|
2.70M
est: 876.8K (+208.3%)
|
-1.72M
est: 851.3K (-301.6%)
|
1.06M
1.03M – 1.11M
+25.0% YoY
|
1.34M
1.23M – 1.41M
+26.2% YoY
|
1.57M
1.47M – 1.64M
+16.6% YoY
|
| EBIT |
-31.28M
est: 219.4K (-14,356.1%)
|
-3.10M
est: 196.8K (-1,675.1%)
|
14.40M
est: 226.9K (+6,245.1%)
|
61.87M
est: 384.7K (+15,983.6%)
|
46.51M
est: 389.0K (+11,856.7%)
|
-12.09M
est: 207.4K (-5,926.6%)
|
-8.86M
est: 290.7K (-3,148.9%)
|
-454.0K
est: 110.1K (-512.3%)
|
-4.71M
est: 106.9K (-4,503.5%)
|
133.6K
129.3K – 140.0K
+25.0% YoY
|
168.7K
154.2K – 176.7K
+26.2% YoY
|
196.7K
184.6K – 206.1K
+16.6% YoY
|
| Net Income |
-24.01M
est: 2.34M (-1,125.8%)
|
-4.57M
est: 3.51M (-230.2%)
|
8.96M
est: 15.38M (-41.7%)
|
41.99M
est: 42.61M (-1.5%)
|
32.99M
est: 33.70M (-2.1%)
|
-9.27M
est: 1.39M (-765.9%)
|
-6.17M
est: -384.4K (-1,505.9%)
|
18.0K
est: 1.96M (-99.1%)
|
-22.66M
est: -2.21M (-927.2%)
|
3.27M
2.18M – 4.36M
+248.2% YoY
|
13.44M
10.90M – 15.99M
+311.1% YoY
|
17.64M
16.38M – 18.90M
+31.2% YoY
|
| SGA |
3.70M
est: 13.25M (-72.1%)
|
4.14M
est: 11.89M (-65.2%)
|
3.48M
est: 13.71M (-74.6%)
|
3.59M
est: 23.23M (-84.5%)
|
3.51M
est: 23.50M (-85.0%)
|
3.42M
est: 12.53M (-72.7%)
|
37.64M
est: 17.56M (+114.4%)
|
39.50M
est: 6.65M (+493.9%)
|
41.39M
est: 6.46M (+540.9%)
|
8.07M
7.81M – 8.46M
+25.0% YoY
|
10.19M
9.31M – 10.67M
+26.2% YoY
|
11.88M
11.15M – 12.45M
+16.6% YoY
|
| EPS |
-0.30
est: 0.03 (-1,050.1%)
|
-0.05
est: 0.05 (-209.2%)
|
0.10
est: 0.21 (-51.8%)
|
0.50
est: 0.57 (-13.0%)
|
0.40
est: 0.45 (-12.0%)
|
-0.12
est: 0.02 (-739.4%)
|
-0.08
est: -0.01 (-1,508.8%)
|
0.00
est: 0.03 (-99.2%)
|
-0.31
est: -0.03 (-932.4%)
|
0.04
0.03 – 0.06
+230.6% YoY
|
0.17
0.15 – 0.22
+341.7% YoY
|
0.24
0.22 – 0.25
+38.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 | 1/5 | 3/5 |
| 2026-05-08 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 | 1/5 | 3/5 |
| 2026-05-07 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 | 1/5 | 3/5 |
| 2026-05-06 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 | 1/5 | 3/5 |
| 2026-05-05 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 | 1/5 | 3/5 |
| 2026-05-04 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 | 1/5 | 3/5 |
| 2026-05-01 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-30 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-29 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-28 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-27 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-24 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-23 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-22 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-21 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-20 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 3/5 |
| 2026-04-17 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 2/5 |
| 2026-04-16 | C | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 | 1/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares S&P/TSX SmallCap Index ETF XCS.TO | 0.12% | 202.8K | 0.60% |
| 2 | iShares International Small-Cap Equity Factor ETF ISCF | 0.04% | 258.5K | 0.24% |
| 3 | Avantis International Small Cap Equity ETF AVDS | 0.01% | 19.4K | 0.30% |
| 4 | Avantis International Small Cap Value ETF AVDV | 0.00% | 849.5K | 0.36% |
| 5 | Avantis Responsible International Equity ETF AVSD | 0.00% | 21.3K | 0.23% |
| 6 | Dimensional - International Small Cap ETF DFIS | 0.00% | 167.0K | 0.39% |
| 7 | Dimensional International Sustainability Core 1 ETF DFSI | 0.00% | 11.1K | 0.24% |
| 8 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.00% | 10.5K | 0.39% |
| 9 | Avantis International Equity ETF AVDE | 0.00% | 83.2K | 0.23% |
| 10 | Dimensional - International Core Equity 2 ETF DFIC | 0.00% | 61.9K | 0.22% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Brian Lang | Chief Executive Officer & Director | 957.6K | male |
| Loren Cooke | Chief Operating Officer | 919.3K | male |
| Ryan Smith | Executive Vice President & Chief Technology Officer | 622.6K | male |
| Rodrigo Pinto | Executive Vice President & Chief Financial Officer | 533.4K | male |
| Jay Greenspoon | General Counsel & Corporate Secretary | 376.9K | male |
| Colleen McCafferty | Chief Compliance Officer of Solidifi U.S. | — | female |
| Lyne Beauregard | Vice President of Investor Relations & Corporate Communications | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for REAL.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
