FIRST NATIONAL FINANCIAL - FNCN 4.29 PERP (FN-PR-B.CA) Stock Fundamental Analysis
Canada - TSX:FN-PR-B - CA33564P3016
23 CAD
+0.05 (+0.22%)
We assign a fundamental rating of 3 out of 10 to FN-PR-B. 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
FN-PR-B had positive earnings in the past year.
In the past year FN-PR-B had a positive cash flow from operations.
Each year in the past 5 years FN-PR-B has 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.
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.
FN-PR-B has a worse Return On Invested Capital (0.35%) than 85.19% of its industry peers.
FN-PR-B had an Average Return On Invested Capital over the past 3 years of 0.47%. This is below the industry average of 5.03%.
| 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 worse Profit Margin (7.95%) than 62.96% of its industry peers.
In the last couple of years the Profit Margin of FN-PR-B has declined.
FN-PR-B has a Operating Margin of 11.01%. This is amonst the worse of the industry: FN-PR-B underperforms 81.48% of its industry peers.
In the last couple of years the Operating Margin of FN-PR-B has declined.
With a Gross Margin value of 25.03%, FN-PR-B perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
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
FN-PR-B has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for FN-PR-B remains at a similar level compared to 1 year ago.
The number of shares outstanding for FN-PR-B remains at a similar level compared to 5 years ago.
The debt/assets ratio for FN-PR-B is higher compared to a year ago.
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.
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.
FN-PR-B's Debt to FCF ratio of 184.75 is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 62.96% of its industry peers.
FN-PR-B has a Debt/Equity ratio of 71.28. This is a high value indicating a heavy dependency on external financing.
FN-PR-B's Debt to Equity ratio of 71.28 is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 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.
With a Current 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.
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 has a worse Quick ratio (0.05) than 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.
Measured over the past 5 years, FN-PR-B shows a small growth in Earnings Per Share. The EPS has been growing by 2.03% on average per year.
The Revenue has grown by 8.85% in the past year. This is quite good.
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
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 7.52 indicates a rather cheap valuation of FN-PR-B.
100.00% of the companies in the same industry are more expensive than FN-PR-B, based on the Price/Earnings ratio.
FN-PR-B's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
Based on the Price/Forward Earnings ratio of 5.67, 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.
When comparing the Price/Forward Earnings ratio of FN-PR-B to the average of the S&P500 Index (22.55), we can say FN-PR-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 5.67 |
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 | 4.79 | ||
| EV/EBITDA | 185.55 |
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)3.49
PEG (5Y)3.69
EPS Next 2Y10.19%
EPS Next 3Y7.25%
5. Dividend
5.1 Amount
FN-PR-B has a Yearly Dividend Yield of 3.24%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 6.94, 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 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 4.29 PERP
TSX:FN-PR-B (10/31/2025, 7:00:00 PM)
23
+0.05 (+0.22%)
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 Cap1.38B
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.24 (-7.65%)
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)-0.22%
PT rev (3m)24.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.28%
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 | 7.52 | ||
| Fwd PE | 5.67 | ||
| P/S | 0.6 | ||
| P/FCF | 4.79 | ||
| P/OCF | 4.76 | ||
| P/B | 1.85 | ||
| P/tB | 1.92 | ||
| EV/EBITDA | 185.55 |
EPS(TTM)3.06
EY13.3%
EPS(NY)4.06
Fwd EY17.63%
FCF(TTM)4.8
FCFY20.88%
OCF(TTM)4.83
OCFY21%
SpS38.53
BVpS12.45
TBVpS11.95
PEG (NY)3.49
PEG (5Y)3.69
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 3 / 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 7.52 and the Price/Book (PB) ratio is 1.85.
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.