AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AGF-B - CA0010921058 - Common Stock
16.31 CAD
+0.01 (+0.06%)
We assign a fundamental rating of 6 out of 10 to AGF-B. AGF-B was compared to 82 industry peers in the Capital Markets industry. While AGF-B belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. AGF-B scores decently on growth, while it is valued quite cheap. This could make an interesting combination. AGF-B also has an excellent dividend rating.
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.
In the past 5 years AGF-B has always been profitable.
In the past 5 years AGF-B always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of AGF-B (6.51%) is better than 69.51% of its industry peers.
The Return On Equity of AGF-B (9.53%) is better than 64.63% of its industry peers.
With a decent Return On Invested Capital value of 5.55%, AGF-B is doing good in the industry, outperforming 70.73% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AGF-B is significantly below the industry average of 10.02%.
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 has a better Profit Margin (21.44%) than 67.07% of its industry peers.
AGF-B's Profit Margin has improved in the last couple of years.
The Operating Margin of AGF-B (22.18%) is worse than 62.20% of its industry peers.
In the last couple of years the Operating Margin of AGF-B has grown nicely.
AGF-B has a Gross Margin of 71.76%. This is in the better half of the industry: AGF-B outperforms 76.83% 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.
AGF-B has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AGF-B has been reduced compared to a year ago.
2.2 Solvency
AGF-B has an Altman-Z score of 2.29. This is not the best score and indicates that AGF-B is in the grey zone with still only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.29, AGF-B is doing good in the industry, outperforming 67.07% of the companies in the same industry.
The Debt to FCF ratio of AGF-B is 1.23, which is an excellent value as it means it would take AGF-B, only 1.23 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.23, AGF-B is in the better half of the industry, outperforming 79.27% of the companies in the same industry.
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 has a Debt to Equity ratio of 0.12. This is in the better half of the industry: AGF-B outperforms 67.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | 2.29 |
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.
The Current ratio of AGF-B (0.99) is worse than 74.39% of 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 of 0.99. This is in the lower half of the industry: AGF-B underperforms 74.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.27% over the past year.
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
AGF-B is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.49% yearly.
AGF-B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.70% yearly.
EPS Next Y9.35%
EPS Next 2Y7.65%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue Next Year6.76%
Revenue Next 2Y6.37%
Revenue Next 3Y5.7%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.16, which indicates a very decent valuation of AGF-B.
AGF-B's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.57. AGF-B is valued rather cheaply when compared to this.
AGF-B is valuated reasonably with a Price/Forward Earnings ratio of 8.38.
AGF-B's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AGF-B is cheaper than 69.51% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AGF-B to the average of the S&P500 Index (24.04), we can say AGF-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.16 | ||
| Fwd PE | 8.38 |
4.2 Price Multiples
86.59% of the companies in the same industry are more expensive than AGF-B, based on the Enterprise Value to EBITDA ratio.
AGF-B's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AGF-B is cheaper than 85.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.99 | ||
| EV/EBITDA | 8.89 |
4.3 Compensation for Growth
AGF-B's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of AGF-B may justify a higher PE ratio.
PEG (NY)0.98
PEG (5Y)0.48
EPS Next 2Y7.65%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
AGF-B has a Yearly Dividend Yield of 3.07%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 1.78, AGF-B pays a better dividend. On top of this AGF-B pays more dividend than 85.37% of the companies listed in the same industry.
AGF-B's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
5.2 History
On average, the dividend of AGF-B grows each year by 7.13%, which is quite nice.
AGF-B has paid a dividend for at least 10 years, which is a reliable track record.
As AGF-B did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.13%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
AGF-B pays out 27.23% of its income as dividend. This is a sustainable payout ratio.
AGF-B's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP27.23%
EPS Next 2Y7.65%
EPS Next 3Y7.49%
TSX:AGF-B (12/24/2025, 7:00:00 PM)
16.31
+0.01 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.09%
Inst Owner ChangeN/A
Ins Owners25.18%
Ins Owner ChangeN/A
Market Cap1.06B
Revenue(TTM)523.91M
Net Income(TTM)112.32M
Analysts81.54
Price Target17.3 (6.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
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)1.21%
PT rev (3m)16.32%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)8.68%
EPS NY rev (1m)0.11%
EPS NY rev (3m)4.71%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)6.03%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.16 | ||
| Fwd PE | 8.38 | ||
| P/S | 2.02 | ||
| P/FCF | 8.99 | ||
| P/OCF | 8.7 | ||
| P/B | 0.9 | ||
| P/tB | 8 | ||
| EV/EBITDA | 8.89 |
EPS(TTM)1.78
EY10.91%
EPS(NY)1.95
Fwd EY11.94%
FCF(TTM)1.81
FCFY11.12%
OCF(TTM)1.87
OCFY11.49%
SpS8.09
BVpS18.21
TBVpS2.04
PEG (NY)0.98
PEG (5Y)0.48
Graham Number27
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 | 2.29 |
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 Y9.35%
EPS Next 2Y7.65%
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 Year6.76%
Revenue Next 2Y6.37%
Revenue Next 3Y5.7%
Revenue Next 5YN/A
EBIT growth 1Y36.77%
EBIT growth 3Y40.94%
EBIT growth 5Y21.68%
EBIT Next Year53.77%
EBIT Next 3Y18.89%
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 7 / 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 9.35% 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 8 / 10 and the dividend payout ratio is 27.23%.