FIRST NATIONAL FINANCIAL COR (FN.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FN - CA33564P1036 - Common Stock
47.98 CAD
-0.01 (-0.02%)
Overall FN gets a fundamental rating of 2 out of 10. We evaluated FN against 26 industry peers in the Financial Services industry. FN may be in some trouble as it scores bad on both profitability and health. FN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year FN was profitable.
FN had a positive operating cash flow in the past year.
FN had positive earnings in each of the past 5 years.
FN 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 is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 24.60%, FN belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
FN's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. FN is outperformed by 89.29% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FN is below the industry average of 5.21%.
| 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 is not doing good in the industry: 67.86% of the companies in the same industry are doing better.
FN's Profit Margin has declined in the last couple of years.
FN's Operating Margin of 11.01% is on the low side compared to the rest of the industry. FN is outperformed by 85.71% of its industry peers.
FN's Operating Margin has declined in the last couple of years.
FN has a Gross Margin (25.03%) which is comparable to the rest of the industry.
FN'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 is destroying value.
Compared to 1 year ago, FN has about the same amount of shares outstanding.
Compared to 5 years ago, FN has about the same amount of shares outstanding.
FN has a worse debt/assets ratio than last year.
2.2 Solvency
FN has an Altman-Z score of -0.01. This is a bad value and indicates that FN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of FN (-0.01) is worse than 85.71% of its industry peers.
The Debt to FCF ratio of FN is 184.75, which is on the high side as it means it would take FN, 184.75 years of fcf income to pay off all of its debts.
FN's Debt to FCF ratio of 184.75 is on the low side compared to the rest of the industry. FN is outperformed by 67.86% of its industry peers.
FN has a Debt/Equity ratio of 71.28. This is a high value indicating a heavy dependency on external financing.
FN's Debt to Equity ratio of 71.28 is on the low side compared to the rest of the industry. FN is outperformed by 92.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 71.28 | ||
| Debt/FCF | 184.75 | ||
| Altman-Z | -0.01 |
ROIC/WACC0.12
WACC2.89%
2.3 Liquidity
A Current Ratio of 0.05 indicates that FN may have some problems paying its short term obligations.
With a Current ratio value of 0.05, FN is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
A Quick Ratio of 0.05 indicates that FN may have some problems paying its short term obligations.
The Quick ratio of FN (0.05) is worse than 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
FN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.69%.
FN 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.
FN 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
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 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.
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.
4. Valuation
4.1 Price/Earnings Ratio
FN is valuated correctly with a Price/Earnings ratio of 15.68.
FN's Price/Earnings ratio is a bit cheaper when compared to the industry. FN is cheaper than 67.86% of the companies in the same industry.
FN is valuated rather cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.83, which indicates a very decent valuation of FN.
FN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FN is cheaper than 71.43% of the companies in the same industry.
FN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.68 | ||
| Fwd PE | 11.83 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FN indicates a somewhat cheap valuation: FN is cheaper than 71.43% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, FN is valued cheaper than 89.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.99 | ||
| EV/EBITDA | 191.17 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)7.29
PEG (5Y)7.71
EPS Next 2Y10.19%
EPS Next 3Y7.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.24%, FN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 6.13, FN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.94, FN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
5.2 History
The dividend of FN has a limited annual growth rate of 4.25%.
FN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.25%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FN pays out 99.34% of its income as dividend. This is not a sustainable payout ratio.
FN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP99.34%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
TSX:FN (10/23/2025, 7:00:00 PM)
47.98
-0.01 (-0.02%)
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 Cap2.88B
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target48.96 (2.04%)
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 Years0
Div Non Decr Years0
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)17.07%
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 | 15.68 | ||
| Fwd PE | 11.83 | ||
| P/S | 1.25 | ||
| P/FCF | 9.99 | ||
| P/OCF | 9.93 | ||
| P/B | 3.85 | ||
| P/tB | 4.01 | ||
| EV/EBITDA | 191.17 |
EPS(TTM)3.06
EY6.38%
EPS(NY)4.06
Fwd EY8.45%
FCF(TTM)4.8
FCFY10.01%
OCF(TTM)4.83
OCFY10.07%
SpS38.53
BVpS12.45
TBVpS11.95
PEG (NY)7.29
PEG (5Y)7.71
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 | -0.01 |
F-Score5
WACC2.89%
ROIC/WACC0.12
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 COR / FN.CA FAQ
Can you provide the ChartMill fundamental rating for FIRST NATIONAL FINANCIAL COR?
ChartMill assigns a fundamental rating of 2 / 10 to FN.CA.
What is the valuation status of FIRST NATIONAL FINANCIAL COR (FN.CA) stock?
ChartMill assigns a valuation rating of 5 / 10 to FIRST NATIONAL FINANCIAL COR (FN.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for FIRST NATIONAL FINANCIAL COR?
FIRST NATIONAL FINANCIAL COR (FN.CA) has a profitability rating of 2 / 10.
How financially healthy is FIRST NATIONAL FINANCIAL COR?
The financial health rating of FIRST NATIONAL FINANCIAL COR (FN.CA) is 0 / 10.
How sustainable is the dividend of FIRST NATIONAL FINANCIAL COR (FN.CA) stock?
The dividend rating of FIRST NATIONAL FINANCIAL COR (FN.CA) is 4 / 10 and the dividend payout ratio is 99.34%.