AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) Stock Fundamental Analysis
Canada - TSX:AGF-B - CA0010921058 - Common Stock
13.71 CAD
+0.22 (+1.63%)
Overall AGF-B gets a fundamental rating of 6 out of 10. We evaluated AGF-B against 85 industry peers in the Capital Markets industry. AGF-B scores excellent on profitability, but there are some minor concerns on its financial health. AGF-B is valued quite cheap, while showing a decent growth score. This is a good combination! AGF-B also has an excellent dividend rating. With these ratings, AGF-B could be worth investigating further for value and dividend investing!.
1. Profitability
1.1 Basic Checks
AGF-B had positive earnings in the past year.
AGF-B had a positive operating cash flow in the past year.
AGF-B had positive earnings in each of the past 5 years.
In the past 5 years AGF-B always reported a positive cash flow from operatings.
1.2 Ratios
AGF-B has a Return On Assets of 6.51%. This is in the better half of the industry: AGF-B outperforms 72.94% of its industry peers.
AGF-B's Return On Equity of 9.53% is fine compared to the rest of the industry. AGF-B outperforms 68.24% of its industry peers.
With a decent Return On Invested Capital value of 5.55%, AGF-B is doing good in the industry, outperforming 74.12% of the companies in the same industry.
AGF-B had an Average Return On Invested Capital over the past 3 years of 4.73%. This is significantly below the industry average of 10.08%.
The last Return On Invested Capital (5.55%) for AGF-B is above the 3 year average (4.73%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.51% | ||
| ROE | 9.53% | ||
| ROIC | 5.55% |
ROA(3y)5.67%
ROA(5y)6.56%
ROE(3y)7.72%
ROE(5y)8.82%
ROIC(3y)4.73%
ROIC(5y)3.69%
1.3 Margins
AGF-B's Profit Margin of 21.44% is fine compared to the rest of the industry. AGF-B outperforms 67.06% of its industry peers.
AGF-B's Profit Margin has improved in the last couple of years.
AGF-B's Operating Margin of 22.18% is in line compared to the rest of the industry. AGF-B outperforms 43.53% of its industry peers.
In the last couple of years the Operating Margin of AGF-B has grown nicely.
AGF-B has a better Gross Margin (71.76%) than 81.18% of its industry peers.
In the last couple of years the Gross Margin of AGF-B has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.18% | ||
| PM (TTM) | 21.44% | ||
| GM | 71.76% |
OM growth 3Y35.46%
OM growth 5Y16.16%
PM growth 3Y30.15%
PM growth 5Y10.06%
GM growth 3Y9.65%
GM growth 5Y4.26%
2. Health
2.1 Basic Checks
The number of shares outstanding for AGF-B has been increased compared to 1 year ago.
Compared to 5 years ago, AGF-B has less shares outstanding
AGF-B has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.09 indicates that AGF-B is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.09, AGF-B is in the better half of the industry, outperforming 64.71% of the companies in the same industry.
AGF-B has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
AGF-B has a Debt to FCF ratio of 1.23. This is amongst the best in the industry. AGF-B outperforms 83.53% of its industry peers.
AGF-B has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
AGF-B's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. AGF-B outperforms 69.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | 2.09 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AGF-B has a Current Ratio of 0.99. This is a bad value and indicates that AGF-B is not financially healthy enough and could expect problems in meeting its short term obligations.
AGF-B has a Current ratio (0.99) which is in line with its industry peers.
A Quick Ratio of 0.99 indicates that AGF-B may have some problems paying its short term obligations.
AGF-B has a Quick ratio (0.99) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
AGF-B shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.27%, which is quite impressive.
Measured over the past years, AGF-B shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.14% on average per year.
Looking at the last year, AGF-B shows a quite strong growth in Revenue. The Revenue has grown by 10.22% in the last year.
AGF-B shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.75% yearly.
EPS 1Y (TTM)20.27%
EPS 3Y45.98%
EPS 5Y19.14%
EPS Q2Q%24.32%
Revenue 1Y (TTM)10.22%
Revenue growth 3Y4.05%
Revenue growth 5Y4.75%
Sales Q2Q%5.6%
3.2 Future
Based on estimates for the next years, AGF-B will show a small growth in Earnings Per Share. The EPS will grow by 7.49% on average per year.
The Revenue is expected to grow by 5.46% on average over the next years.
EPS Next Y9.23%
EPS Next 2Y7.42%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue Next Year6.62%
Revenue Next 2Y6.01%
Revenue Next 3Y5.46%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
AGF-B is valuated cheaply with a Price/Earnings ratio of 7.70.
The rest of the industry has a similar Price/Earnings ratio as AGF-B.
AGF-B is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.07 indicates a rather cheap valuation of AGF-B.
Based on the Price/Forward Earnings ratio, AGF-B is valued a bit cheaper than 71.76% of the companies in the same industry.
AGF-B's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 7.07 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AGF-B is valued cheaper than 91.76% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AGF-B is valued cheaply inside the industry as 87.06% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.57 | ||
| EV/EBITDA | 7.46 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AGF-B has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.83
PEG (5Y)0.4
EPS Next 2Y7.42%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
AGF-B has a Yearly Dividend Yield of 3.71%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.61, AGF-B pays a better dividend. On top of this AGF-B pays more dividend than 82.35% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, AGF-B pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
5.2 History
The dividend of AGF-B is nicely growing with an annual growth rate of 7.13%!
AGF-B has been paying a dividend for at least 10 years, so it has a reliable track record.
AGF-B has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.13%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
27.23% of the earnings are spent on dividend by AGF-B. This is a low number and sustainable payout ratio.
The dividend of AGF-B is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP27.23%
EPS Next 2Y7.42%
EPS Next 3Y7.49%
TSX:AGF-B (11/14/2025, 7:00:00 PM)
13.71
+0.22 (+1.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners13.82%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap889.37M
Revenue(TTM)523.91M
Net Income(TTM)112.32M
Analysts81.54
Price Target16.88 (23.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
Yearly Dividend0.45
Dividend Growth(5Y)7.13%
DP27.23%
Div Incr Years4
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.04%
Min EPS beat(2)-5.81%
Max EPS beat(2)-0.27%
EPS beat(4)2
Avg EPS beat(4)5.38%
Min EPS beat(4)-5.81%
Max EPS beat(4)16.07%
EPS beat(8)3
Avg EPS beat(8)7.2%
EPS beat(12)6
Avg EPS beat(12)7.71%
EPS beat(16)10
Avg EPS beat(16)9.64%
Revenue beat(2)0
Avg Revenue beat(2)-10.59%
Min Revenue beat(2)-17.72%
Max Revenue beat(2)-3.46%
Revenue beat(4)1
Avg Revenue beat(4)-8.03%
Min Revenue beat(4)-17.72%
Max Revenue beat(4)0.45%
Revenue beat(8)2
Avg Revenue beat(8)-7.02%
Revenue beat(12)3
Avg Revenue beat(12)-5.55%
Revenue beat(16)3
Avg Revenue beat(16)-5.56%
PT rev (1m)0%
PT rev (3m)17.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.55%
EPS NY rev (1m)2.97%
EPS NY rev (3m)4.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 7.07 | ||
| P/S | 1.7 | ||
| P/FCF | 7.57 | ||
| P/OCF | 7.33 | ||
| P/B | 0.75 | ||
| P/tB | 6.74 | ||
| EV/EBITDA | 7.46 |
EPS(TTM)1.78
EY12.98%
EPS(NY)1.94
Fwd EY14.14%
FCF(TTM)1.81
FCFY13.21%
OCF(TTM)1.87
OCFY13.64%
SpS8.08
BVpS18.17
TBVpS2.04
PEG (NY)0.83
PEG (5Y)0.4
Graham Number26.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.51% | ||
| ROE | 9.53% | ||
| ROCE | 7.26% | ||
| ROIC | 5.55% | ||
| ROICexc | 5.79% | ||
| ROICexgc | 18.15% | ||
| OM | 22.18% | ||
| PM (TTM) | 21.44% | ||
| GM | 71.76% | ||
| FCFM | 22.42% |
ROA(3y)5.67%
ROA(5y)6.56%
ROE(3y)7.72%
ROE(5y)8.82%
ROIC(3y)4.73%
ROIC(5y)3.69%
ROICexc(3y)4.94%
ROICexc(5y)3.89%
ROICexgc(3y)19.06%
ROICexgc(5y)16.48%
ROCE(3y)6.18%
ROCE(5y)4.81%
ROICexgc growth 3Y16.59%
ROICexgc growth 5Y13.64%
ROICexc growth 3Y31.27%
ROICexc growth 5Y17.72%
OM growth 3Y35.46%
OM growth 5Y16.16%
PM growth 3Y30.15%
PM growth 5Y10.06%
GM growth 3Y9.65%
GM growth 5Y4.26%
F-Score7
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | 1.1 | ||
| Cap/Depr | 40.6% | ||
| Cap/Sales | 0.74% | ||
| Interest Coverage | 35.32 | ||
| Cash Conversion | 96.52% | ||
| Profit Quality | 104.6% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 2.09 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)67.14%
Cap/Depr(5y)73.64%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.76%
Profit Quality(3y)94.38%
Profit Quality(5y)84.46%
High Growth Momentum
Growth
EPS 1Y (TTM)20.27%
EPS 3Y45.98%
EPS 5Y19.14%
EPS Q2Q%24.32%
EPS Next Y9.23%
EPS Next 2Y7.42%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue 1Y (TTM)10.22%
Revenue growth 3Y4.05%
Revenue growth 5Y4.75%
Sales Q2Q%5.6%
Revenue Next Year6.62%
Revenue Next 2Y6.01%
Revenue Next 3Y5.46%
Revenue Next 5YN/A
EBIT growth 1Y36.77%
EBIT growth 3Y40.94%
EBIT growth 5Y21.68%
EBIT Next Year49.02%
EBIT Next 3Y14.16%
EBIT Next 5YN/A
FCF growth 1Y49.06%
FCF growth 3Y48.19%
FCF growth 5Y11.23%
OCF growth 1Y44.08%
OCF growth 3Y33.83%
OCF growth 5Y11.16%
AGF MANAGEMENT LTD-CLASS B / AGF-B.CA FAQ
Can you provide the ChartMill fundamental rating for AGF MANAGEMENT LTD-CLASS B?
ChartMill assigns a fundamental rating of 6 / 10 to AGF-B.CA.
What is the valuation status for AGF-B stock?
ChartMill assigns a valuation rating of 8 / 10 to AGF MANAGEMENT LTD-CLASS B (AGF-B.CA). This can be considered as Undervalued.
How profitable is AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) stock?
AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) has a profitability rating of 7 / 10.
What is the expected EPS growth for AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) stock?
The Earnings per Share (EPS) of AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) is expected to grow by 9.23% in the next year.
Can you provide the dividend sustainability for AGF-B stock?
The dividend rating of AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) is 7 / 10 and the dividend payout ratio is 27.23%.