RiverNorth Capital and Income Fund, Inc. (RSF) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
RiverNorth Capital and Income Fund, Inc. (RSF) trades at $14.52. RiverNorth Capital & Income Fund, Inc. is a non-diversified, closed-end management investment company focused on generating high current income. Market cap: $61.7M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for RSF: RSF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates RSF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on RSF.
How is this calculated? →RiverNorth Capital and Income Fund, Inc. (RSF) Financial Services Profile
RiverNorth Capital & Income Fund (RSF) is a closed-end fund specializing in high-yield debt investments within the consumer and small business finance sectors. Operating since 2015, RSF offers investors exposure to marketplace lending assets, distinguishing itself through a non-diversified strategy aimed at maximizing current income in the asset management industry.
What Is the Investment Thesis for RSF?
RiverNorth Capital & Income Fund (RSF) presents a compelling investment case centered on its high dividend yield of 10.98% and focus on alternative credit markets. The fund's strategy of investing in marketplace lending assets offers exposure to a unique asset class with the potential for attractive returns. With a profit margin of 57.1%, RSF demonstrates efficient operations. Upcoming catalysts include potential expansion into new marketplace lending platforms and increased allocation to higher-yielding debt assets. However, investors should be aware of the risks associated with a non-diversified portfolio and the potential impact of economic downturns on consumer and small business lending. The fund's beta of 0.24 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
RSF Key Highlights
Dividend Yield: 10.98%, offering a substantial income stream for investors.
- Profit Margin: 57.1%, indicating strong profitability and efficient operations.
- P/E Ratio: 14.03, suggesting a potentially undervalued investment relative to earnings.
- Beta: 0.24, indicating lower volatility compared to the overall market.
- Focus on Marketplace Lending: Provides exposure to a unique and potentially high-yielding asset class.
Who Are RSF's Competitors?
RSF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOGSX Black Oak Emerging Technology Fund | $10.95 | -2.14% | $78.7M | 47 |
| CHCGX Chesapeake Growth Fund | $58.81 | -1.01% | $62.3M | 44 |
| CYPSX ProFunds Consumer Services Ultra Sector Fund | $58.28 | +2.80% | $62.0M | 44 |
| FPCGX Fort Pitt Capital Total Return Fund | $24.26 | -1.94% | $63.3M | 44 |
| MADFX Matrix Advisors Dividend Fund | $40.47 | +0.27% | $66.5M | 46 |
| EEA The European Equity Fund, Inc. | $11.22 | +0.46% | $75.2M | 67 |
| HNNA Hennessy Advisors, Inc. | $10.02 | -0.28% | $79.2M | 81 |
| ETHT ProShares - Ultra Ether ETF | $12.57 | +19.94% | $92.2M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are RSF's Key Strengths?
High dividend yield of 10.98% attracts income-seeking investors.
- Focus on marketplace lending provides exposure to a unique asset class.
- Strong profit margin of 57.1% indicates efficient operations.
- Low beta of 0.24 suggests lower volatility compared to the market.
What Are RSF's Weaknesses?
Non-diversified portfolio increases risk exposure.
- Reliance on marketplace lending platforms exposes the fund to platform-specific risks.
- Sensitivity to economic downturns and credit cycles.
- Small market capitalization of $61.7M may limit liquidity.
What Could Drive RSF Stock Higher?
Potential expansion into new marketplace lending platforms.
- Increased allocation to higher-yielding debt assets.
- Strategic partnerships with fintech companies.
- Development of proprietary credit scoring models.
- Geographic expansion within the United States.
What Are the Key Risks for RSF?
Increased competition from other asset managers and alternative credit funds.
- Regulatory changes impacting the marketplace lending industry.
- Economic downturns leading to increased loan defaults.
- Rising interest rates increasing borrowing costs for borrowers.
- Non-diversified portfolio increases risk exposure.
What Are the Growth Opportunities for RSF?
- Expansion into New Marketplace Lending Platforms: RiverNorth Capital & Income Fund can drive growth by expanding its partnerships with additional marketplace lending platforms. This would provide access to a wider range of debt assets and potentially increase the fund's investment opportunities. The marketplace lending market is projected to continue growing, offering a favorable environment for RSF to expand its platform relationships. Timeline: Ongoing.
- Increased Allocation to Higher-Yielding Debt Assets: The fund can enhance its income generation by increasing its allocation to higher-yielding debt assets within the consumer, small business, and specialty finance sectors. This strategy would involve identifying and investing in loans with attractive risk-adjusted returns. However, it's important to balance the pursuit of higher yields with careful credit risk management. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can provide RiverNorth Capital & Income Fund with access to innovative lending technologies and data analytics capabilities. These partnerships can enhance the fund's ability to identify and assess credit risks, improve portfolio management, and generate higher returns. The fintech sector is rapidly evolving, offering numerous opportunities for strategic alliances. Timeline: Ongoing.
- Development of Proprietary Credit Scoring Models: Investing in the development of proprietary credit scoring models can provide RiverNorth Capital & Income Fund with a competitive advantage in assessing the creditworthiness of borrowers. These models can leverage data analytics and machine learning techniques to identify patterns and predict loan performance. This would enable the fund to make more informed investment decisions and improve its overall portfolio performance. Timeline: Ongoing.
- Geographic Expansion within the United States: RiverNorth Capital & Income Fund can explore opportunities to expand its investment activities into new geographic regions within the United States. This would provide access to a broader range of borrowers and diversify the fund's exposure to regional economic conditions. The fund can leverage its existing expertise in credit analysis and portfolio management to assess the risks and opportunities in new markets. Timeline: Ongoing.
What Are RSF's Competitive Advantages?
- Expertise in credit analysis and portfolio management within the marketplace lending sector.
- Established relationships with marketplace lending platforms.
- Non-diversified investment strategy focused on maximizing current income.
- Closed-end fund structure providing flexibility to invest in less liquid assets.
What Does RSF Do?
RiverNorth Capital & Income Fund, Inc. was founded on June 9, 2015, with the primary objective of providing a high level of current income to its investors. As a non-diversified, closed-end management investment company, RSF focuses on generating returns through strategic investments in debt assets. These assets are primarily sourced from marketplace lending originators and encompass consumer, small business, and specialty finance sectors. The company's investment strategy centers around identifying and capitalizing on opportunities within the alternative credit space, offering investors access to a unique asset class. Headquartered in West Palm Beach, FL, RiverNorth Capital & Income Fund leverages its expertise in credit analysis and portfolio management to construct a portfolio designed to deliver consistent income. The fund's approach involves a careful selection process of marketplace lending platforms and a rigorous assessment of the underlying credit quality of the loans. By focusing on non-diversified investments, RSF aims to concentrate its capital in high-potential opportunities, potentially leading to enhanced returns compared to more diversified funds. This strategy also entails a higher degree of risk, as the fund's performance is more susceptible to the performance of a smaller number of investments. RiverNorth Capital & Income Fund's structure as a closed-end fund provides it with the flexibility to invest in less liquid assets and to maintain a longer-term investment horizon. This allows the fund to capitalize on opportunities that may not be accessible to open-end mutual funds or exchange-traded funds (ETFs).
What Products and Services Does RSF Offer?
- Invests in consumer debt originated through marketplace lending platforms.
- Focuses on small business loans sourced from online lending platforms.
- Allocates capital to specialty finance debt assets.
- Constructs a non-diversified portfolio to maximize current income.
- Conducts credit analysis to assess the risk of underlying loans.
- Manages a portfolio of debt assets to generate consistent returns for investors.
- Operates as a closed-end management investment company.
How Does RSF Make Money?
- Generates income through interest payments on debt assets.
- Earns fees for managing the fund's portfolio.
- Capitalizes on the spread between borrowing and lending rates in the marketplace lending sector.
What Industry Does RSF Operate In?
RiverNorth Capital & Income Fund operates within the asset management industry, which is characterized by increasing competition and evolving investor preferences. The fund's focus on marketplace lending assets positions it within the alternative credit segment, a rapidly growing area driven by technological innovation and demand for higher yields. The competitive landscape includes both traditional asset managers and specialized alternative credit funds. RSF differentiates itself through its non-diversified approach and focus on consumer, small business, and specialty finance debt. The asset management industry is subject to regulatory oversight and is influenced by macroeconomic factors such as interest rates and economic growth.
Who Are RSF's Key Customers?
- Individual investors seeking high current income.
- Institutional investors looking for exposure to alternative credit markets.
- Financial advisors seeking income-generating investment options for their clients.
Financial Health
RiverNorth Capital and Income Fund, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 50.62 places it in the safe zone, indicating low near-term bankruptcy risk.
Forward Outlook
Wall Street analysts project RiverNorth Capital and Income Fund, Inc. revenue of about $10.1M for fiscal 2027, with EPS near $1.85.
RSF Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the fund's future performance, indicating a positive outlook from management.
- Community sentiment has shifted positively, with discussions highlighting the fund's strong dividend history as a key attraction.
- Investors are increasingly optimistic due to recent strategic decisions aimed at enhancing portfolio diversification and stability.
- Market perception is improving, as analysts note the fund's resilience during recent market volatility, reinforcing its value proposition.
Bear Case
- Concerns about rising interest rates are prevalent, which could impact the fund's income-generating capabilities and overall attractiveness.
- Recent bearish sentiment in the community reflects worries about potential market corrections affecting fund performance.
- Insider selling activity has raised eyebrows, leading some to question the long-term viability of current strategies.
- The fund's performance relative to peers has been lackluster, causing some investors to reconsider their positions amidst competitive pressures.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
RSF Latest News
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Stocks That Hit 52-Week Lows On Wednesday
benzinga · May 11, 2022
RSF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for RSF.
Price Targets
Wall Street price target analysis for RSF.
RSF MoonshotScore
What does this score mean?
The MoonshotScore rates RSF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Patrick William Galley
CEO
Patrick William Galley serves as the CEO of RiverNorth Capital & Income Fund, Inc. His background includes extensive experience in the financial services industry, with a focus on asset management and investment strategies. He has held various leadership positions throughout his career, demonstrating expertise in portfolio management, credit analysis, and risk management. Mr. Galley's experience encompasses both traditional and alternative investment strategies, providing him with a comprehensive understanding of the financial markets. His educational background includes a strong foundation in finance and economics, equipping him with the analytical skills necessary to navigate the complexities of the asset management industry.
Track Record: Under Patrick William Galley's leadership, RiverNorth Capital & Income Fund has focused on generating a high level of current income for its investors through strategic investments in marketplace lending assets. He has overseen the fund's portfolio management activities, ensuring a disciplined approach to credit analysis and risk management. Mr. Galley has also been instrumental in expanding the fund's relationships with marketplace lending platforms and identifying new investment opportunities. His leadership has contributed to the fund's ability to deliver consistent returns to its shareholders.
What Investors Ask About RiverNorth Capital and Income Fund, Inc. (RSF) — Financial Services
What does RiverNorth Capital and Income Fund, Inc. do?
RiverNorth Capital & Income Fund, Inc. operates as a non-diversified, closed-end management investment company. Its primary objective is to provide a high level of current income to its investors. The fund achieves this by investing in a portfolio of consumer, small business, and specialty finance debt assets sourced from selected marketplace lending originators.
What do analysts say about RSF stock?
Analyst coverage of RiverNorth Capital & Income Fund (RSF) is currently limited, reflecting its smaller market capitalization and specialized investment strategy. Key valuation metrics to consider include the fund's dividend yield, P/E ratio, and net asset value (NAV).
What are the main risks for RSF?
The main risks for RiverNorth Capital & Income Fund (RSF) include its non-diversified portfolio, which increases its exposure to individual loan defaults and platform-specific risks. The fund is also sensitive to economic downturns, which could lead to increased loan defaults and reduced income. Regulatory changes impacting the marketplace lending industry could also negatively affect the fund's performance.
What are the key factors to evaluate for RSF?
Evaluate RSF on fundamentals, analyst consensus, and risk factors. RiverNorth Capital & Income Fund (RSF) presents a compelling investment case centered on its high dividend yield of 10.98% and focus on alternative credit markets. Not financial advice.
How frequently does RSF data refresh on this page?
RSF's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven RSF's recent stock price performance?
RiverNorth Capital and Income Fund, Inc. (RSF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: High dividend yield of 10.98% attracts income-seeking investors. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider RSF overvalued or undervalued right now?
RiverNorth Capital and Income Fund, Inc. (RSF) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research RSF before investing?
Before investing in RiverNorth Capital and Income Fund, Inc. (RSF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for RSF, limiting the depth of insights.
- Limited analyst coverage may impact the availability of information.