FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) Stock Fundamental Analysis
Canada - TSX:FN-PR-B - CA33564P3016
22.8 CAD
-0.1 (-0.44%)
Overall FN-PR-B gets a fundamental rating of 3 out of 10. We evaluated FN-PR-B against 27 industry peers in the Financial Services industry. FN-PR-B may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FN-PR-B.
1. Profitability
1.1 Basic Checks
FN-PR-B had positive earnings in the past year.
FN-PR-B had a positive operating cash flow in the past year.
Each year in the past 5 years FN-PR-B has been profitable.
In the past 5 years FN-PR-B reported 4 times negative operating cash flow.
1.2 Ratios
FN-PR-B's Return On Assets of 0.34% is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 62.96% of its industry peers.
Looking at the Return On Equity, with a value of 24.60%, FN-PR-B belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.35%, FN-PR-B is doing worse than 85.19% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FN-PR-B is significantly below the industry average of 5.61%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 24.6% | ||
| ROIC | 0.35% |
ROA(3y)0.46%
ROA(5y)0.46%
ROE(3y)29.54%
ROE(5y)30.93%
ROIC(3y)0.47%
ROIC(5y)0.47%
1.3 Margins
FN-PR-B has a Profit Margin of 7.95%. This is comparable to the rest of the industry: FN-PR-B outperforms 40.74% of its industry peers.
In the last couple of years the Profit Margin of FN-PR-B has declined.
The Operating Margin of FN-PR-B (11.01%) is worse than 81.48% of its industry peers.
FN-PR-B's Operating Margin has declined in the last couple of years.
FN-PR-B has a better Gross Margin (25.03%) than 62.96% of its industry peers.
In the last couple of years the Gross Margin of FN-PR-B has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.01% | ||
| PM (TTM) | 7.95% | ||
| GM | 25.03% |
OM growth 3Y-12.95%
OM growth 5Y-7.29%
PM growth 3Y-13.2%
PM growth 5Y-7.28%
GM growth 3Y-10.39%
GM growth 5Y-2.89%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FN-PR-B is destroying value.
FN-PR-B has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, FN-PR-B has about the same amount of shares outstanding.
Compared to 1 year ago, FN-PR-B has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.03, we must say that FN-PR-B is in the distress zone and has some risk of bankruptcy.
FN-PR-B has a worse Altman-Z score (-0.03) than 92.59% of its industry peers.
The Debt to FCF ratio of FN-PR-B is 184.75, which is on the high side as it means it would take FN-PR-B, 184.75 years of fcf income to pay off all of its debts.
FN-PR-B has a Debt to FCF ratio of 184.75. This is comparable to the rest of the industry: FN-PR-B outperforms 44.44% of its industry peers.
A Debt/Equity ratio of 71.28 is on the high side and indicates that FN-PR-B has dependencies on debt financing.
FN-PR-B has a Debt to Equity ratio of 71.28. This is amonst the worse of the industry: FN-PR-B underperforms 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 71.28 | ||
| Debt/FCF | 184.75 | ||
| Altman-Z | -0.03 |
ROIC/WACC0.14
WACC2.52%
2.3 Liquidity
FN-PR-B has a Current Ratio of 0.05. This is a bad value and indicates that FN-PR-B is not financially healthy enough and could expect problems in meeting its short term obligations.
FN-PR-B has a Current ratio of 0.05. This is in the lower half of the industry: FN-PR-B underperforms 74.07% of its industry peers.
FN-PR-B has a Quick Ratio of 0.05. This is a bad value and indicates that FN-PR-B is not financially healthy enough and could expect problems in meeting its short term obligations.
FN-PR-B's Quick ratio of 0.05 is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 74.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The earnings per share for FN-PR-B have decreased strongly by -19.69% in the last year.
The Earnings Per Share has been growing slightly by 2.03% on average over the past years.
FN-PR-B shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.85%.
The Revenue has been growing by 10.82% on average over the past years. This is quite good.
EPS 1Y (TTM)-19.69%
EPS 3Y1.44%
EPS 5Y2.03%
EPS Q2Q%16.85%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y16.71%
Revenue growth 5Y10.82%
Sales Q2Q%23.39%
3.2 Future
Based on estimates for the next years, FN-PR-B will show a small growth in Earnings Per Share. The EPS will grow by 7.25% on average per year.
The Revenue is expected to grow by 5.01% on average over the next years.
EPS Next Y2.15%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
EPS Next 5YN/A
Revenue Next Year6.11%
Revenue Next 2Y7.29%
Revenue Next 3Y5.01%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.45, the valuation of FN-PR-B can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of FN-PR-B indicates a rather cheap valuation: FN-PR-B is cheaper than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.46, FN-PR-B is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.62, the valuation of FN-PR-B can be described as very cheap.
100.00% of the companies in the same industry are more expensive than FN-PR-B, based on the Price/Forward Earnings ratio.
FN-PR-B is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.45 | ||
| Fwd PE | 5.62 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FN-PR-B is valued a bit cheaper than the industry average as 74.07% of the companies are valued more expensively.
96.30% of the companies in the same industry are more expensive than FN-PR-B, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.75 | ||
| EV/EBITDA | 185.58 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FN-PR-B does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.46
PEG (5Y)3.66
EPS Next 2Y10.19%
EPS Next 3Y7.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.24%, FN-PR-B has a reasonable but not impressive dividend return.
FN-PR-B's Dividend Yield is slightly below the industry average, which is at 6.79.
FN-PR-B's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
5.2 History
The dividend of FN-PR-B has a limited annual growth rate of 4.25%.
FN-PR-B has paid a dividend for at least 10 years, which is a reliable track record.
FN-PR-B has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.25%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
FN-PR-B pays out 99.34% of its income as dividend. This is not a sustainable payout ratio.
FN-PR-B's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP99.34%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP
TSX:FN-PR-B (11/19/2025, 7:00:00 PM)
22.8
-0.1 (-0.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners3.8%
Inst Owner ChangeN/A
Ins Owners59.79%
Ins Owner ChangeN/A
Market Cap1.37B
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.24 (-6.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
Yearly Dividend3.02
Dividend Growth(5Y)4.25%
DP99.34%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-21.25%
Min EPS beat(2)-51.46%
Max EPS beat(2)8.96%
EPS beat(4)2
Avg EPS beat(4)-19.04%
Min EPS beat(4)-51.46%
Max EPS beat(4)8.96%
EPS beat(8)3
Avg EPS beat(8)-5.78%
EPS beat(12)5
Avg EPS beat(12)2.58%
EPS beat(16)7
Avg EPS beat(16)2.11%
Revenue beat(2)1
Avg Revenue beat(2)-4.35%
Min Revenue beat(2)-18.02%
Max Revenue beat(2)9.31%
Revenue beat(4)2
Avg Revenue beat(4)-5.71%
Min Revenue beat(4)-18.02%
Max Revenue beat(4)9.31%
Revenue beat(8)4
Avg Revenue beat(8)16%
Revenue beat(12)8
Avg Revenue beat(12)40.65%
Revenue beat(16)12
Avg Revenue beat(16)52.39%
PT rev (1m)0%
PT rev (3m)14.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.62%
EPS NY rev (1m)0%
EPS NY rev (3m)-16.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.45 | ||
| Fwd PE | 5.62 | ||
| P/S | 0.59 | ||
| P/FCF | 4.75 | ||
| P/OCF | 4.72 | ||
| P/B | 1.83 | ||
| P/tB | 1.91 | ||
| EV/EBITDA | 185.58 |
EPS(TTM)3.06
EY13.42%
EPS(NY)4.06
Fwd EY17.79%
FCF(TTM)4.8
FCFY21.07%
OCF(TTM)4.83
OCFY21.19%
SpS38.53
BVpS12.45
TBVpS11.95
PEG (NY)3.46
PEG (5Y)3.66
Graham Number29.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 24.6% | ||
| ROCE | 0.52% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.35% | ||
| ROICexgc | 0.35% | ||
| OM | 11.01% | ||
| PM (TTM) | 7.95% | ||
| GM | 25.03% | ||
| FCFM | 12.47% |
ROA(3y)0.46%
ROA(5y)0.46%
ROE(3y)29.54%
ROE(5y)30.93%
ROIC(3y)0.47%
ROIC(5y)0.47%
ROICexc(3y)0.47%
ROICexc(5y)0.47%
ROICexgc(3y)0.47%
ROICexgc(5y)0.47%
ROCE(3y)0.7%
ROCE(5y)0.71%
ROICexgc growth 3Y-4.65%
ROICexgc growth 5Y-3.34%
ROICexc growth 3Y-4.64%
ROICexc growth 5Y-3.34%
OM growth 3Y-12.95%
OM growth 5Y-7.29%
PM growth 3Y-13.2%
PM growth 5Y-7.28%
GM growth 3Y-10.39%
GM growth 5Y-2.89%
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 71.28 | ||
| Debt/FCF | 184.75 | ||
| Debt/EBITDA | 199.55 | ||
| Cap/Depr | 13.55% | ||
| Cap/Sales | 0.07% | ||
| Interest Coverage | 0.17 | ||
| Cash Conversion | 108.63% | ||
| Profit Quality | 156.82% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | -0.03 |
F-Score5
WACC2.52%
ROIC/WACC0.14
Cap/Depr(3y)54.65%
Cap/Depr(5y)111.75%
Cap/Sales(3y)0.43%
Cap/Sales(5y)0.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.69%
EPS 3Y1.44%
EPS 5Y2.03%
EPS Q2Q%16.85%
EPS Next Y2.15%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
EPS Next 5YN/A
Revenue 1Y (TTM)8.85%
Revenue growth 3Y16.71%
Revenue growth 5Y10.82%
Sales Q2Q%23.39%
Revenue Next Year6.11%
Revenue Next 2Y7.29%
Revenue Next 3Y5.01%
Revenue Next 5YN/A
EBIT growth 1Y-19.24%
EBIT growth 3Y1.6%
EBIT growth 5Y2.74%
EBIT Next Year-98.27%
EBIT Next 3Y-72.17%
EBIT Next 5YN/A
FCF growth 1Y12.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.58%
OCF growth 3YN/A
OCF growth 5YN/A
FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP / FN-PR-B.CA FAQ
Can you provide the ChartMill fundamental rating for FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to FN-PR-B.CA.
Can you provide the valuation status for FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP?
ChartMill assigns a valuation rating of 7 / 10 to FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA). This can be considered as Undervalued.
What is the profitability of FN-PR-B stock?
FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) has a profitability rating of 3 / 10.
What is the valuation of FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) is 7.45 and the Price/Book (PB) ratio is 1.83.
Can you provide the financial health for FN-PR-B stock?
The financial health rating of FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) is 1 / 10.