FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FN-PR-B - CA33564P3016
23.74 CAD
+0.34 (+1.45%)
Overall FN-PR-B gets a fundamental rating of 3 out of 10. We evaluated FN-PR-B against 28 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
In the past year FN-PR-B was profitable.
In the past year FN-PR-B had a positive cash flow from operations.
In the past 5 years FN-PR-B has always been profitable.
In the past 5 years FN-PR-B reported 4 times negative operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.34%, FN-PR-B is doing worse than 78.57% of the companies in the same industry.
FN-PR-B has a Return On Equity of 24.60%. This is amongst the best in the industry. FN-PR-B outperforms 92.86% 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 82.14% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FN-PR-B is significantly below the industry average of 7.35%.
| 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
The Profit Margin of FN-PR-B (7.95%) is worse than 60.71% of its industry peers.
FN-PR-B's Profit Margin has declined in the last couple of years.
FN-PR-B's Operating Margin of 11.01% is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 78.57% 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 53.57% of the companies in the same industry.
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
FN-PR-B has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
FN-PR-B has about the same amout of shares outstanding than it did 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
FN-PR-B has an Altman-Z score of -0.04. This is a bad value and indicates that FN-PR-B is not financially healthy and even has some risk of bankruptcy.
FN-PR-B has a Altman-Z score of -0.04. This is amonst the worse of the industry: FN-PR-B underperforms 85.71% 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.
Looking at the Debt to FCF ratio, with a value of 184.75, FN-PR-B is doing worse than 67.86% of the companies in the same industry.
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: 89.29% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 71.28 | ||
| Debt/FCF | 184.75 | ||
| Altman-Z | -0.04 |
ROIC/WACC0.16
WACC2.18%
2.3 Liquidity
A Current Ratio of 0.05 indicates that FN-PR-B may have some problems paying 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 82.14% of its industry peers.
A Quick Ratio of 0.05 indicates that FN-PR-B may have some problems paying its short term obligations.
With a Quick ratio value of 0.05, FN-PR-B is not doing good in the industry: 82.14% 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%.
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%.
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
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.
FN-PR-B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.01% yearly.
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
FN-PR-B is valuated cheaply with a Price/Earnings ratio of 7.76.
Based on the Price/Earnings ratio, FN-PR-B is valued cheaper than 89.29% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. FN-PR-B is valued rather cheaply when compared to this.
FN-PR-B is valuated cheaply with a Price/Forward Earnings ratio of 5.85.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FN-PR-B indicates a rather cheap valuation: FN-PR-B is cheaper than 89.29% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.92. FN-PR-B is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.76 | ||
| Fwd PE | 5.85 |
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 67.86% of the companies in the same industry.
96.43% 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 | 0.25 | ||
| EV/EBITDA | 180.65 |
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)3.61
PEG (5Y)3.81
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 comparable with the industry average which is at 5.69.
Compared to an average S&P500 Dividend Yield of 1.92, FN-PR-B pays a better dividend.
| 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.
The dividend of FN-PR-B is growing, but earnings are growing more, so the dividend growth is sustainable.
DP99.34%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP
TSX:FN-PR-B (1/7/2026, 7:00:00 PM)
23.74
+0.34 (+1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners6.43%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap70.75M
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.24 (-10.53%)
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-DateN/A
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.76 | ||
| Fwd PE | 5.85 | ||
| P/S | 0.03 | ||
| P/FCF | 0.25 | ||
| P/OCF | 0.24 | ||
| P/B | 0.09 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | 180.65 |
EPS(TTM)3.06
EY12.89%
EPS(NY)4.06
Fwd EY17.08%
FCF(TTM)96.65
FCFY407.13%
OCF(TTM)97.21
OCFY409.46%
SpS775.39
BVpS250.52
TBVpS240.53
PEG (NY)3.61
PEG (5Y)3.81
Graham Number131.33
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 | -0.04 |
F-Score5
WACC2.18%
ROIC/WACC0.16
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.
What is the valuation status of FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) stock?
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 2 / 10.
What is the financial health of FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) stock?
The financial health rating of FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) is 0 / 10.
Can you provide the expected EPS growth for FN-PR-B stock?
The Earnings per Share (EPS) of FIRST NATIONAL FINANCIAL - FNCN 4.27 PERP (FN-PR-B.CA) is expected to grow by 2.15% in the next year.