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FAIRFAX FINL HLDGS LTD - FFHCN 4.88 PERP (FFH-PR-F.CA) Stock Fundamental Analysis

TSX:FFH-PR-F - Toronto Stock Exchange - CA3039018708 - Currency: CAD

25.3  +0.01 (+0.04%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FFH-PR-F. FFH-PR-F was compared to 85 industry peers in the Insurance industry. There are concerns on the financial health of FFH-PR-F while its profitability can be described as average. FFH-PR-F has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

FFH-PR-F had positive earnings in the past year.
Each year in the past 5 years FFH-PR-F has been profitable.
In multiple years FFH-PR-F reported negative operating cash flow during the last 5 years.
FFH-PR-F.CA Yearly Net Income VS EBIT VS OCF VS FCFFFH-PR-F.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B

1.2 Ratios

FFH-PR-F's Return On Assets of 4.15% is amongst the best of the industry. FFH-PR-F outperforms 86.05% of its industry peers.
With an excellent Return On Equity value of 16.80%, FFH-PR-F belongs to the best of the industry, outperforming 86.05% of the companies in the same industry.
FFH-PR-F's Return On Invested Capital of 5.62% is amongst the best of the industry. FFH-PR-F outperforms 84.88% of its industry peers.
Industry RankSector Rank
ROA 4.15%
ROE 16.8%
ROIC 5.62%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FFH-PR-F.CA Yearly ROA, ROE, ROICFFH-PR-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15 20

1.3 Margins

With a Profit Margin value of 9.91%, FFH-PR-F perfoms like the industry average, outperforming 55.81% of the companies in the same industry.
FFH-PR-F's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 15.64%, FFH-PR-F is in line with its industry, outperforming 45.35% of the companies in the same industry.
FFH-PR-F's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 15.64%
PM (TTM) 9.91%
GM N/A
OM growth 3Y20.29%
OM growth 5Y18.07%
PM growth 3Y-11.16%
PM growth 5Y0.37%
GM growth 3YN/A
GM growth 5YN/A
FFH-PR-F.CA Yearly Profit, Operating, Gross MarginsFFH-PR-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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1

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FFH-PR-F is creating some value.
FFH-PR-F has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FFH-PR-F.CA Yearly Shares OutstandingFFH-PR-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
FFH-PR-F.CA Yearly Total Debt VS Total AssetsFFH-PR-F.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B

2.2 Solvency

FFH-PR-F has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
FFH-PR-F's Debt to Equity ratio of 0.48 is on the low side compared to the rest of the industry. FFH-PR-F is outperformed by 66.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC1.3
WACC4.31%
FFH-PR-F.CA Yearly LT Debt VS Equity VS FCFFFH-PR-F.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FFH-PR-F.CA Yearly Current Assets VS Current LiabilitesFFH-PR-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

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5

3. Growth

3.1 Past

The earnings per share for FFH-PR-F have decreased by -7.08% in the last year.
FFH-PR-F shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.21% yearly.
The Revenue has grown by 10.27% in the past year. This is quite good.
FFH-PR-F shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.20% yearly.
EPS 1Y (TTM)-7.08%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%-4.63%
Revenue 1Y (TTM)10.27%
Revenue growth 3Y18.08%
Revenue growth 5Y14.2%
Sales Q2Q%-20.01%

3.2 Future

FFH-PR-F is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.20% yearly.
FFH-PR-F is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.17% yearly.
EPS Next Y-2.58%
EPS Next 2Y2.26%
EPS Next 3Y-21.82%
EPS Next 5Y-10.2%
Revenue Next Year19.66%
Revenue Next 2Y12.09%
Revenue Next 3Y14.94%
Revenue Next 5Y12.17%

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.
FFH-PR-F.CA Yearly Revenue VS EstimatesFFH-PR-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B
FFH-PR-F.CA Yearly EPS VS EstimatesFFH-PR-F.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 50 100 150

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5

4. Valuation

4.1 Price/Earnings Ratio

FFH-PR-F is valuated cheaply with a Price/Earnings ratio of 0.11.
FFH-PR-F's Price/Earnings ratio is rather cheap when compared to the industry. FFH-PR-F is cheaper than 88.37% of the companies in the same industry.
FFH-PR-F's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
FFH-PR-F is valuated cheaply with a Price/Forward Earnings ratio of 0.11.
FFH-PR-F's Price/Forward Earnings ratio is rather cheap when compared to the industry. FFH-PR-F is cheaper than 91.86% of the companies in the same industry.
FFH-PR-F is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 0.11
Fwd PE 0.11
FFH-PR-F.CA Price Earnings VS Forward Price EarningsFFH-PR-F.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FFH-PR-F.CA Per share dataFFH-PR-F.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K 2K

4.3 Compensation for Growth

A cheap valuation may be justified as FFH-PR-F's earnings are expected to decrease with -21.82% in the coming years.
PEG (NY)N/A
PEG (5Y)0.01
EPS Next 2Y2.26%
EPS Next 3Y-21.82%

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3

5. Dividend

5.1 Amount

FFH-PR-F has a Yearly Dividend Yield of 1.08%.
With a Dividend Yield of 1.08, FFH-PR-F pays less dividend than the industry average, which is at 4.24. 91.86% of the companies listed in the same industry pay a better dividend than FFH-PR-F!
Compared to an average S&P500 Dividend Yield of 2.33, FFH-PR-F's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.08%

5.2 History

The dividend of FFH-PR-F has a limited annual growth rate of 1.33%.
FFH-PR-F has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of FFH-PR-F decreased in the last 3 years.
Dividend Growth(5Y)1.33%
Div Incr Years2
Div Non Decr Years2
FFH-PR-F.CA Yearly Dividends per shareFFH-PR-F.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

DP0%
EPS Next 2Y2.26%
EPS Next 3Y-21.82%
FFH-PR-F.CA Yearly Income VS Free CF VS DividendFFH-PR-F.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B

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FAIRFAX FINL HLDGS LTD - FFHCN 4.88 PERP

TSX:FFH-PR-F (3/7/2025, 7:00:00 PM)

25.3

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-13 2025-02-13/amc
Earnings (Next)04-30 2025-04-30/amc
Inst Owners38.23%
Inst Owner ChangeN/A
Ins Owners4.01%
Ins Owner ChangeN/A
Market Cap617.83M
Analysts78.18
Price Target30.01 (18.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.08%
Yearly Dividend17.64
Dividend Growth(5Y)1.33%
DP0%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-14 2025-03-14 (0.34773)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.69%
Min EPS beat(2)18.24%
Max EPS beat(2)23.14%
EPS beat(4)3
Avg EPS beat(4)8.25%
Min EPS beat(4)-25.87%
Max EPS beat(4)23.14%
EPS beat(8)6
Avg EPS beat(8)11.28%
EPS beat(12)10
Avg EPS beat(12)133.95%
EPS beat(16)14
Avg EPS beat(16)128.44%
Revenue beat(2)2
Avg Revenue beat(2)29.57%
Min Revenue beat(2)19.64%
Max Revenue beat(2)39.5%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)17.51%
PT rev (3m)21.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.51%
EPS NY rev (1m)0.6%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)9.44%
Revenue NY rev (3m)9.44%
Valuation
Industry RankSector Rank
PE 0.11
Fwd PE 0.11
P/S 0.01
P/FCF N/A
P/OCF N/A
P/B 0.02
P/tB 0.03
EV/EBITDA N/A
EPS(TTM)230.89
EY912.61%
EPS(NY)224.92
Fwd EY889.02%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2294.55
BVpS1354.19
TBVpS985.63
PEG (NY)N/A
PEG (5Y)0.01
Profitability
Industry RankSector Rank
ROA 4.15%
ROE 16.8%
ROCE 6.95%
ROIC 5.62%
ROICexc 6.09%
ROICexgc 9.25%
OM 15.64%
PM (TTM) 9.91%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.29%
OM growth 5Y18.07%
PM growth 3Y-11.16%
PM growth 5Y0.37%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.42
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC4.31%
ROIC/WACC1.3
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.08%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%-4.63%
EPS Next Y-2.58%
EPS Next 2Y2.26%
EPS Next 3Y-21.82%
EPS Next 5Y-10.2%
Revenue 1Y (TTM)10.27%
Revenue growth 3Y18.08%
Revenue growth 5Y14.2%
Sales Q2Q%-20.01%
Revenue Next Year19.66%
Revenue Next 2Y12.09%
Revenue Next 3Y14.94%
Revenue Next 5Y12.17%
EBIT growth 1Y12.9%
EBIT growth 3Y42.03%
EBIT growth 5Y34.83%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A