FIRST NATIONAL FINANCIAL - FNCN 4.22 PERP (FN-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FN-PR-B - CA33564P3016
23.6 CAD
+0.1 (+0.43%)
FN-PR-B gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 26 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 is valued quite cheap, while showing a decent growth score. This is a good 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.
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
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 78.57% of its industry peers.
FN-PR-B's Return On Equity of 24.60% is amongst the best of the industry. FN-PR-B outperforms 96.43% of its industry peers.
The Return On Invested Capital of FN-PR-B (0.35%) is worse than 85.71% 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 5.80%.
| 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
With a Profit Margin value of 7.95%, FN-PR-B is not doing good in the industry: 60.71% of the companies in the same industry are doing better.
FN-PR-B's Profit Margin has declined in the last couple of years.
FN-PR-B has a worse Operating Margin (11.01%) than 82.14% of its industry peers.
In the last couple of years the Operating Margin of FN-PR-B has declined.
FN-PR-B has a Gross Margin (25.03%) which is in line with 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
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.
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 worse Altman-Z score (-0.04) than 89.29% 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.
The Debt to FCF ratio of FN-PR-B (184.75) is worse than 67.86% 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.
The Debt to Equity ratio of FN-PR-B (71.28) is worse than 92.86% of its industry peers.
| 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 78.57% of its industry peers.
A Quick Ratio of 0.05 indicates that FN-PR-B may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.05, FN-PR-B is doing worse than 78.57% of the companies in the same industry.
| 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.
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.
The Revenue has grown by 8.85% in the past year. This is quite good.
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)-19.69%
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
The Earnings Per Share is expected to grow by 7.25% on average over the next years.
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
A Price/Earnings ratio of 7.71 indicates a rather cheap valuation of FN-PR-B.
FN-PR-B's Price/Earnings ratio is rather cheap when compared to the industry. FN-PR-B is cheaper than 96.43% of the companies in the same industry.
FN-PR-B is valuated cheaply when we compare the Price/Earnings ratio to 26.56, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.82, the valuation of FN-PR-B can be described as very cheap.
Based on the Price/Forward Earnings ratio, FN-PR-B is valued cheaper than 96.43% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, FN-PR-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 5.82 |
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 71.43% of the companies are valued more expensively.
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 | 0.24 | ||
| EV/EBITDA | 180.65 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.58
PEG (5Y)3.79
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 5.86, FN-PR-B is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.87, 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 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.
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 4.22 PERP
TSX:FN-PR-B (12/10/2025, 7:00:00 PM)
23.6
+0.1 (+0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners6.66%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap70.33M
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.24 (-10%)
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)-0.22%
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 | 7.71 | ||
| Fwd PE | 5.82 | ||
| P/S | 0.03 | ||
| P/FCF | 0.24 | ||
| P/OCF | 0.24 | ||
| P/B | 0.09 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | 180.65 |
EPS(TTM)3.06
EY12.97%
EPS(NY)4.06
Fwd EY17.18%
FCF(TTM)96.65
FCFY409.55%
OCF(TTM)97.21
OCFY411.89%
SpS775.39
BVpS250.52
TBVpS240.53
PEG (NY)3.58
PEG (5Y)3.79
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 4.22 PERP / FN-PR-B.CA FAQ
Can you provide the ChartMill fundamental rating for FIRST NATIONAL FINANCIAL - FNCN 4.22 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 4.22 PERP?
ChartMill assigns a valuation rating of 7 / 10 to FIRST NATIONAL FINANCIAL - FNCN 4.22 PERP (FN-PR-B.CA). This can be considered as Undervalued.
What is the profitability of FN-PR-B stock?
FIRST NATIONAL FINANCIAL - FNCN 4.22 PERP (FN-PR-B.CA) has a profitability rating of 3 / 10.
What is the valuation of FIRST NATIONAL FINANCIAL - FNCN 4.22 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST NATIONAL FINANCIAL - FNCN 4.22 PERP (FN-PR-B.CA) is 7.71 and the Price/Book (PB) ratio is 0.09.
Can you provide the financial health for FN-PR-B stock?
The financial health rating of FIRST NATIONAL FINANCIAL - FNCN 4.22 PERP (FN-PR-B.CA) is 0 / 10.