FIRST NATIONAL FINANCIAL - FNCN 4.29 PERP (FN-PR-B.CA) Stock Fundamental Analysis
Canada - TSX:FN-PR-B - CA33564P3016
22.75 CAD
-0.6 (-2.57%)
Taking everything into account, FN-PR-B scores 3 out of 10 in our fundamental rating. FN-PR-B was compared to 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. FN-PR-B may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year FN-PR-B was profitable.
FN-PR-B had a positive operating cash flow in the past year.
In the past 5 years FN-PR-B has always been profitable.
FN-PR-B had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.34%, FN-PR-B is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
FN-PR-B has a Return On Equity of 24.60%. This is amongst the best in the industry. FN-PR-B outperforms 100.00% of its industry peers.
FN-PR-B's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 85.19% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FN-PR-B is significantly below the industry average of 5.55%.
| 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
Looking at the Profit Margin, with a value of 7.95%, FN-PR-B is doing worse than 62.96% of the companies in the same industry.
FN-PR-B's Profit Margin has declined in the last couple of years.
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 Gross Margin of 25.03%. This is comparable to the rest of the industry: FN-PR-B outperforms 59.26% of its industry peers.
FN-PR-B's Gross Margin has declined in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FN-PR-B is destroying value.
The number of shares outstanding for FN-PR-B remains at a similar level compared to 1 year ago.
Compared to 5 years ago, FN-PR-B has about the same amount of shares outstanding.
FN-PR-B has a worse debt/assets ratio than last year.
2.2 Solvency
FN-PR-B has an Altman-Z score of -0.03. This is a bad value and indicates that FN-PR-B is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.03, FN-PR-B is not doing good in the industry: 92.59% of the companies in the same industry are doing better.
FN-PR-B has a debt to FCF ratio of 184.75. This is a negative value and a sign of low solvency as FN-PR-B would need 184.75 years to pay back of all of its debts.
With a Debt to FCF ratio value of 184.75, FN-PR-B is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
A Debt/Equity ratio of 71.28 is on the high side and indicates that FN-PR-B has dependencies on debt financing.
With a Debt to Equity ratio value of 71.28, FN-PR-B is not doing good in the industry: 88.89% of the companies in the same industry are doing better.
| 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 worse Current ratio (0.05) than 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.
With a Quick ratio value of 0.05, FN-PR-B is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
FN-PR-B shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.69%.
FN-PR-B shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.03% yearly.
Looking at the last year, FN-PR-B shows a quite strong growth in Revenue. The Revenue has grown by 8.85% in the last year.
FN-PR-B shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.82% yearly.
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
FN-PR-B is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.25% yearly.
Based on estimates for the next years, FN-PR-B will show a small growth in Revenue. The Revenue will grow by 5.01% on average per year.
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
The Price/Earnings ratio is 7.43, which indicates a rather cheap valuation of FN-PR-B.
Based on the Price/Earnings ratio, FN-PR-B is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
FN-PR-B is valuated cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 5.61, the valuation of FN-PR-B can be described as very cheap.
Based on the Price/Forward Earnings ratio, FN-PR-B is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
FN-PR-B's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.43 | ||
| Fwd PE | 5.61 |
4.2 Price Multiples
FN-PR-B's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FN-PR-B is cheaper than 77.78% of the companies in the same industry.
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 | 4.74 | ||
| EV/EBITDA | 185.5 |
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)3.45
PEG (5Y)3.65
EPS Next 2Y10.19%
EPS Next 3Y7.25%
5. Dividend
5.1 Amount
FN-PR-B has a Yearly Dividend Yield of 3.24%.
Compared to an average industry Dividend Yield of 6.86, FN-PR-B is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.37, FN-PR-B pays a bit more dividend than the S&P500 average.
| 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 been paying a dividend for at least 10 years, so it has 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 4.29 PERP
TSX:FN-PR-B (11/7/2025, 7:00:00 PM)
22.75
-0.6 (-2.57%)
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 Cap1.36B
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.24 (-6.64%)
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 | 7.43 | ||
| Fwd PE | 5.61 | ||
| P/S | 0.59 | ||
| P/FCF | 4.74 | ||
| P/OCF | 4.71 | ||
| P/B | 1.83 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 185.5 |
EPS(TTM)3.06
EY13.45%
EPS(NY)4.06
Fwd EY17.83%
FCF(TTM)4.8
FCFY21.11%
OCF(TTM)4.83
OCFY21.23%
SpS38.53
BVpS12.45
TBVpS11.95
PEG (NY)3.45
PEG (5Y)3.65
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 4.29 PERP / FN-PR-B.CA FAQ
Can you provide the ChartMill fundamental rating for FIRST NATIONAL FINANCIAL - FNCN 4.29 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 4.29 PERP?
ChartMill assigns a valuation rating of 7 / 10 to FIRST NATIONAL FINANCIAL - FNCN 4.29 PERP (FN-PR-B.CA). This can be considered as Undervalued.
What is the profitability of FN-PR-B stock?
FIRST NATIONAL FINANCIAL - FNCN 4.29 PERP (FN-PR-B.CA) has a profitability rating of 2 / 10.
What is the valuation of FIRST NATIONAL FINANCIAL - FNCN 4.29 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST NATIONAL FINANCIAL - FNCN 4.29 PERP (FN-PR-B.CA) is 7.43 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 4.29 PERP (FN-PR-B.CA) is 0 / 10.