AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AGF-B - CA0010921058 - Common Stock
14.56 CAD
+0.37 (+2.61%)
Taking everything into account, AGF-B scores 6 out of 10 in our fundamental rating. AGF-B was compared to 79 industry peers in the Capital Markets industry. AGF-B has an excellent profitability rating, but there are some minor concerns on its financial health. AGF-B may be a bit undervalued, certainly considering the very reasonable score on growth AGF-B also has an excellent dividend rating. These ratings could make AGF-B a good candidate for value and dividend investing.
1. Profitability
1.1 Basic Checks
In the past year AGF-B was profitable.
In the past year AGF-B had a positive cash flow from operations.
In the past 5 years AGF-B has always been profitable.
AGF-B had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of AGF-B (6.51%) is better than 70.89% 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 64.56% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.55%, AGF-B is in the better half of the industry, outperforming 72.15% 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 10.13%.
The 3 year average ROIC (4.73%) for AGF-B is below the current ROIC(5.55%), indicating increased profibility in the last year.
| 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 68.35% of its industry peers.
AGF-B's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 22.18%, AGF-B perfoms like the industry average, outperforming 40.51% of the companies in the same industry.
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 78.48% of its industry peers.
AGF-B's Gross Margin has improved in the last couple of years.
| 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
AGF-B has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, AGF-B has less shares outstanding
Compared to 1 year ago, AGF-B has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.16 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 2.16, AGF-B is in the better half of the industry, outperforming 63.29% 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.
AGF-B has a Debt to FCF ratio of 1.23. This is amongst the best in the industry. AGF-B outperforms 81.01% 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.
Looking at the Debt to Equity ratio, with a value of 0.12, AGF-B is in the better half of the industry, outperforming 65.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | 2.16 |
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.
With a Current ratio value of 0.99, AGF-B perfoms like the industry average, outperforming 53.16% of the companies in the same industry.
AGF-B has a Quick 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.
Looking at the Quick ratio, with a value of 0.99, AGF-B is in line with its industry, outperforming 53.16% of the companies in the same 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.
AGF-B shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.22%.
Measured over the past years, AGF-B shows a small growth in Revenue. The Revenue has been growing by 4.75% on average per year.
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
The Earnings Per Share is expected to grow by 7.49% on average over the next years.
AGF-B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.46% yearly.
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
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.
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 reasonably with a Price/Earnings ratio of 8.18.
Compared to the rest of the industry, the Price/Earnings ratio of AGF-B is on the same level as its industry peers.
AGF-B's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.37.
The Price/Forward Earnings ratio is 7.51, which indicates a rather cheap valuation of AGF-B.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AGF-B indicates a somewhat cheap valuation: AGF-B is cheaper than 69.62% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AGF-B to the average of the S&P500 Index (36.20), we can say AGF-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.18 | ||
| Fwd PE | 7.51 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AGF-B is valued cheaper than 89.87% of the companies in the same industry.
88.61% of the companies in the same industry are more expensive than AGF-B, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.03 | ||
| EV/EBITDA | 7.99 |
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.
The decent profitability rating of AGF-B may justify a higher PE ratio.
PEG (NY)0.89
PEG (5Y)0.43
EPS Next 2Y7.42%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
AGF-B has a Yearly Dividend Yield of 3.56%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.95, AGF-B pays a better dividend. On top of this AGF-B pays more dividend than 84.81% 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
5.2 History
On average, the dividend of AGF-B grows each year by 7.13%, which is quite nice.
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
AGF-B pays out 27.23% of its income as dividend. This is a 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 (12/3/2025, 7:00:00 PM)
14.56
+0.37 (+2.61%)
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 Cap942.76M
Revenue(TTM)523.91M
Net Income(TTM)112.32M
Analysts81.54
Price Target17.09 (17.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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)18.79%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)11.04%
EPS NY rev (1m)2.97%
EPS NY rev (3m)4.6%
Revenue NQ rev (1m)0.5%
Revenue NQ rev (3m)5.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.18 | ||
| Fwd PE | 7.51 | ||
| P/S | 1.8 | ||
| P/FCF | 8.03 | ||
| P/OCF | 7.77 | ||
| P/B | 0.8 | ||
| P/tB | 7.14 | ||
| EV/EBITDA | 7.99 |
EPS(TTM)1.78
EY12.23%
EPS(NY)1.94
Fwd EY13.31%
FCF(TTM)1.81
FCFY12.46%
OCF(TTM)1.87
OCFY12.87%
SpS8.09
BVpS18.21
TBVpS2.04
PEG (NY)0.89
PEG (5Y)0.43
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 | 2.16 |
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 8 / 10 and the dividend payout ratio is 27.23%.