FIRST NATIONAL FINANCIAL - FNCN 4.79 PERP(TSX:FN-PR-B) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to FN-PR-B. FN-PR-B was compared to 32 industry peers in the Financial Services industry. Both the profitability and financial health of FN-PR-B have multiple concerns. FN-PR-B is valued quite cheap, while showing a decent growth score. This is a good combination!

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1. Profitability

1.1 Basic Checks

FN-PR-B had positive earnings in the past year.

FN-PR-B had a negative operating cash flow in the past year.

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

FN-PR-B's Return On Assets of 0.39% is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 68.75% of its industry peers.

FN-PR-B's Return On Equity of 27.02% is amongst the best of the industry. FN-PR-B outperforms 93.75% of its industry peers.

FN-PR-B has a Return On Invested Capital of 0.40%. This is amonst the worse of the industry: FN-PR-B underperforms 90.63% of its industry peers.

FN-PR-B had an Average Return On Invested Capital over the past 3 years of 0.47%. This is significantly below the industry average of 5.84%.

		Industry Rank	Sector Rank
ROA	0.39%
ROE	27.02%
ROIC	0.4%

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 9.00%. This is in the lower half of the industry: FN-PR-B underperforms 62.50% of its industry peers.

FN-PR-B's Profit Margin has declined in the last couple of years.

FN-PR-B has a worse Operating Margin (12.48%) than 81.25% 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 (26.50%) which is in line with its industry peers.

FN-PR-B's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	12.48%
PM (TTM)	9%
GM	26.5%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, FN-PR-B has about the same amount of shares outstanding.

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

Based on the Altman-Z score of -0.02, we must say that FN-PR-B is in the distress zone and has some risk of bankruptcy.

FN-PR-B has a Altman-Z score of -0.02. This is amonst the worse of the industry: FN-PR-B underperforms 90.63% of its industry peers.

FN-PR-B has a Debt/Equity ratio of 67.74. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 67.74, FN-PR-B is doing worse than 90.63% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	67.74
Debt/FCF	N/A
Altman-Z	-0.02

ROIC/WACC0.17

WACC2.4%

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's Current ratio of 0.05 is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 75.00% of its industry peers.

A Quick Ratio of 0.05 indicates that FN-PR-B may have some problems paying its short term obligations.

FN-PR-B has a worse Quick ratio (0.05) than 75.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.05
Quick Ratio	0.05

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FN-PR-B have decreased strongly by -19.87% in the last year.

The Earnings Per Share has been growing slightly by 2.78% 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 9.52%.

Measured over the past years, FN-PR-B shows a quite strong growth in Revenue. The Revenue has been growing by 10.82% on average per year.

EPS 1Y (TTM)-19.87%

EPS 3Y1.31%

EPS 5Y2.78%

EPS Q2Q%43.56%

Revenue 1Y (TTM)9.52%

Revenue growth 3Y16.71%

Revenue growth 5Y10.82%

Sales Q2Q%19.21%

3.2 Future

FN-PR-B is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.38% yearly.

FN-PR-B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.21% yearly.

EPS Next Y23.52%

EPS Next 2Y15.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.18%

Revenue Next 2Y7.21%

Revenue Next 3YN/A

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.61, which indicates a rather cheap valuation of FN-PR-B.

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 96.88% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 29.35. FN-PR-B is valued rather cheaply when compared to this.

FN-PR-B is valuated cheaply with a Price/Forward Earnings ratio of 3.75.

Based on the Price/Forward Earnings ratio, FN-PR-B is valued cheaper than 96.88% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.10. FN-PR-B is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	4.61
Fwd PE	3.75

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FN-PR-B indicates a somewhat cheap valuation: FN-PR-B is cheaper than 71.88% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	158.85

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.

FN-PR-B's earnings are expected to grow with 15.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.2

PEG (5Y)1.66

EPS Next 2Y15.38%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.16%, FN-PR-B is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 8.05, FN-PR-B has a dividend in line with its industry peers.

FN-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	6.16%

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 over 5 years, so it has already some track record.

FN-PR-B has decreased its dividend in the last 3 years.

Dividend Growth(5Y)4.25%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

90.79% of the earnings are spent on dividend by FN-PR-B. This is not a sustainable payout ratio.

The dividend of FN-PR-B is growing, but earnings are growing more, so the dividend growth is sustainable.

DP90.79%

EPS Next 2Y15.38%

EPS Next 3YN/A

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FIRST NATIONAL FINANCIAL - FNCN 4.79 PERP

TSX:FN-PR-B (3/7/2025, 7:00:00 PM)

15.35

-0.05 (-0.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)03-04 2025-03-04/amc

Earnings (Next)04-28 2025-04-28

Inst Owners4.08%

Inst Owner ChangeN/A

Ins Owners71.45%

Ins Owner ChangeN/A

Market Cap920.54M

Analysts76.92

Price Target16.58 (8.01%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.16%

Yearly Dividend3.02

Dividend Growth(5Y)4.25%

DP90.79%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)69.63%

Min Revenue beat(2)-16.35%

Max Revenue beat(2)155.61%

Revenue beat(4)1

Avg Revenue beat(4)30.28%

Min Revenue beat(4)-16.35%

Max Revenue beat(4)155.61%

Revenue beat(8)5

Avg Revenue beat(8)56.23%

Revenue beat(12)9

Avg Revenue beat(12)70.85%

Revenue beat(16)13

Avg Revenue beat(16)73.42%

PT rev (1m)4%

PT rev (3m)11.47%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.31%

EPS NY rev (3m)-0.31%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.51%

Revenue NY rev (3m)-0.51%

Valuation

		Industry Rank	Sector Rank
PE	4.61
Fwd PE	3.75
P/S	0.42
P/FCF	N/A
P/OCF	N/A
P/B	1.25
P/tB	1.3
EV/EBITDA	158.85

EPS(TTM)3.33

EY21.69%

EPS(NY)4.1

Fwd EY26.69%

FCF(TTM)-12.81

FCFYN/A

OCF(TTM)-12.73

OCFYN/A

SpS36.97

BVpS12.31

TBVpS11.81

PEG (NY)0.2

PEG (5Y)1.66

Profitability

		Industry Rank	Sector Rank
ROA	0.39%
ROE	27.02%
ROCE	0.6%
ROIC	0.4%
ROICexc	0.4%
ROICexgc	0.4%
OM	12.48%
PM (TTM)	9%
GM	26.5%
FCFM	N/A

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%

ROICexcg growth 3Y-4.65%

ROICexcg 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-Score2

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	67.74
Debt/FCF	N/A
Debt/EBITDA	171.5
Cap/Depr	29.29%
Cap/Sales	0.2%
Interest Coverage	0.2
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.05
Quick Ratio	0.05
Altman-Z	-0.02

F-Score2

WACC2.4%

ROIC/WACC0.17

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)-19.87%

EPS 3Y1.31%

EPS 5Y2.78%

EPS Q2Q%43.56%

EPS Next Y23.52%

EPS Next 2Y15.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)9.52%

Revenue growth 3Y16.71%

Revenue growth 5Y10.82%

Sales Q2Q%19.21%

Revenue Next Year9.18%

Revenue Next 2Y7.21%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-19.56%

EBIT growth 3Y1.6%

EBIT growth 5Y2.74%

EBIT Next Year-97.91%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-600.14%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-637.85%

OCF growth 3YN/A

OCF growth 5YN/A

FIRST NATIONAL FINANCIAL - FNCN 4.79 PERP (FN-PR-B.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens