AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AGF-B - CA0010921058 - Common Stock
14.59 CAD
+0.1 (+0.69%)
Overall AGF-B gets a fundamental rating of 6 out of 10. We evaluated AGF-B against 83 industry peers in the Capital Markets industry. AGF-B has an excellent profitability rating, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on AGF-B. Finally AGF-B also has an excellent dividend rating. These ratings would make AGF-B suitable for value and dividend investing!
1. Profitability
1.1 Basic Checks
In the past year AGF-B was profitable.
In the past year AGF-B had a positive cash flow from operations.
AGF-B had positive earnings in each of the past 5 years.
AGF-B had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AGF-B has a Return On Assets of 6.51%. This is in the better half of the industry: AGF-B outperforms 70.00% of its industry peers.
AGF-B has a better Return On Equity (9.53%) than 63.75% of its industry peers.
AGF-B has a Return On Invested Capital of 5.55%. This is in the better half of the industry: AGF-B outperforms 71.25% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AGF-B is below the industry average of 9.68%.
The 3 year average ROIC (4.73%) for AGF-B is below the current ROIC(5.55%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.51% | ||
| ROE | 9.53% | ||
| ROIC | 5.55% |
ROA(3y)5.67%
ROA(5y)6.56%
ROE(3y)7.72%
ROE(5y)8.82%
ROIC(3y)4.73%
ROIC(5y)3.69%
1.3 Margins
With a decent Profit Margin value of 21.44%, AGF-B is doing good in the industry, outperforming 67.50% of the companies in the same industry.
In the last couple of years the Profit Margin of AGF-B has grown nicely.
AGF-B has a Operating Margin of 22.18%. This is in the lower half of the industry: AGF-B underperforms 61.25% of its industry peers.
In the last couple of years the Operating Margin of AGF-B has grown nicely.
Looking at the Gross Margin, with a value of 71.76%, AGF-B is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
In the last couple of years the Gross Margin of AGF-B has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.18% | ||
| PM (TTM) | 21.44% | ||
| GM | 71.76% |
OM growth 3Y35.46%
OM growth 5Y16.16%
PM growth 3Y30.15%
PM growth 5Y10.06%
GM growth 3Y9.65%
GM growth 5Y4.26%
2. Health
2.1 Basic Checks
Compared to 1 year ago, AGF-B has more shares outstanding
Compared to 5 years ago, AGF-B has less shares outstanding
The debt/assets ratio for AGF-B has been reduced compared to a year ago.
2.2 Solvency
AGF-B has an Altman-Z score of 2.17. This is not the best score and indicates that AGF-B is in the grey zone with still only limited risk for bankruptcy at the moment.
AGF-B has a better Altman-Z score (2.17) than 63.75% of its industry peers.
AGF-B has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
AGF-B has a better Debt to FCF ratio (1.23) than 81.25% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that AGF-B is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.12, AGF-B is in the better half of the industry, outperforming 66.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | 2.17 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AGF-B has a Current Ratio of 0.99. This is a bad value and indicates that AGF-B is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.99, AGF-B is doing worse than 75.00% of the companies in the same industry.
A Quick Ratio of 0.99 indicates that AGF-B may have some problems paying its short term obligations.
With a Quick ratio value of 0.99, AGF-B is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.27% over the past year.
Measured over the past years, AGF-B shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.14% on average per year.
The Revenue has grown by 10.22% in the past year. This is quite good.
The Revenue has been growing slightly by 4.75% on average over the past years.
EPS 1Y (TTM)20.27%
EPS 3Y45.98%
EPS 5Y19.14%
EPS Q2Q%24.32%
Revenue 1Y (TTM)10.22%
Revenue growth 3Y4.05%
Revenue growth 5Y4.75%
Sales Q2Q%5.6%
3.2 Future
Based on estimates for the next years, AGF-B will show a small growth in Earnings Per Share. The EPS will grow by 7.49% on average per year.
The Revenue is expected to grow by 5.70% on average over the next years.
EPS Next Y9.35%
EPS Next 2Y7.65%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue Next Year6.76%
Revenue Next 2Y6.37%
Revenue Next 3Y5.7%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
AGF-B is valuated reasonably with a Price/Earnings ratio of 8.20.
AGF-B's Price/Earnings is on the same level as the industry average.
AGF-B is valuated cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.49, the valuation of AGF-B can be described as very cheap.
68.75% of the companies in the same industry are more expensive than AGF-B, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AGF-B to the average of the S&P500 Index (23.69), we can say AGF-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.2 | ||
| Fwd PE | 7.49 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AGF-B indicates a rather cheap valuation: AGF-B is cheaper than 90.00% of the companies listed in the same industry.
AGF-B's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AGF-B is cheaper than 88.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.04 | ||
| EV/EBITDA | 8.01 |
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.
The decent profitability rating of AGF-B may justify a higher PE ratio.
PEG (NY)0.88
PEG (5Y)0.43
EPS Next 2Y7.65%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.45%, AGF-B has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.99, AGF-B pays a better dividend. On top of this AGF-B pays more dividend than 85.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, AGF-B pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
5.2 History
The dividend of AGF-B is nicely growing with an annual growth rate of 7.13%!
AGF-B has been paying a dividend for at least 10 years, so it has a reliable track record.
AGF-B has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.13%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
27.23% of the earnings are spent on dividend by AGF-B. This is a low number and sustainable payout ratio.
AGF-B's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP27.23%
EPS Next 2Y7.65%
EPS Next 3Y7.49%
TSX:AGF-B (12/5/2025, 7:00:00 PM)
14.59
+0.1 (+0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.09%
Inst Owner ChangeN/A
Ins Owners25.18%
Ins Owner ChangeN/A
Market Cap944.70M
Revenue(TTM)523.91M
Net Income(TTM)112.32M
Analysts81.54
Price Target17.09 (17.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
Yearly Dividend0.45
Dividend Growth(5Y)7.13%
DP27.23%
Div Incr Years4
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.04%
Min EPS beat(2)-5.81%
Max EPS beat(2)-0.27%
EPS beat(4)2
Avg EPS beat(4)5.38%
Min EPS beat(4)-5.81%
Max EPS beat(4)16.07%
EPS beat(8)3
Avg EPS beat(8)7.2%
EPS beat(12)6
Avg EPS beat(12)7.71%
EPS beat(16)10
Avg EPS beat(16)9.64%
Revenue beat(2)0
Avg Revenue beat(2)-10.59%
Min Revenue beat(2)-17.72%
Max Revenue beat(2)-3.46%
Revenue beat(4)1
Avg Revenue beat(4)-8.03%
Min Revenue beat(4)-17.72%
Max Revenue beat(4)0.45%
Revenue beat(8)2
Avg Revenue beat(8)-7.02%
Revenue beat(12)3
Avg Revenue beat(12)-5.55%
Revenue beat(16)3
Avg Revenue beat(16)-5.56%
PT rev (1m)1.21%
PT rev (3m)18.79%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)11.04%
EPS NY rev (1m)0.11%
EPS NY rev (3m)4.71%
Revenue NQ rev (1m)0.5%
Revenue NQ rev (3m)5.44%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.2 | ||
| Fwd PE | 7.49 | ||
| P/S | 1.8 | ||
| P/FCF | 8.04 | ||
| P/OCF | 7.78 | ||
| P/B | 0.8 | ||
| P/tB | 7.15 | ||
| EV/EBITDA | 8.01 |
EPS(TTM)1.78
EY12.2%
EPS(NY)1.95
Fwd EY13.34%
FCF(TTM)1.81
FCFY12.44%
OCF(TTM)1.87
OCFY12.85%
SpS8.09
BVpS18.21
TBVpS2.04
PEG (NY)0.88
PEG (5Y)0.43
Graham Number27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.51% | ||
| ROE | 9.53% | ||
| ROCE | 7.26% | ||
| ROIC | 5.55% | ||
| ROICexc | 5.79% | ||
| ROICexgc | 18.15% | ||
| OM | 22.18% | ||
| PM (TTM) | 21.44% | ||
| GM | 71.76% | ||
| FCFM | 22.42% |
ROA(3y)5.67%
ROA(5y)6.56%
ROE(3y)7.72%
ROE(5y)8.82%
ROIC(3y)4.73%
ROIC(5y)3.69%
ROICexc(3y)4.94%
ROICexc(5y)3.89%
ROICexgc(3y)19.06%
ROICexgc(5y)16.48%
ROCE(3y)6.18%
ROCE(5y)4.81%
ROICexgc growth 3Y16.59%
ROICexgc growth 5Y13.64%
ROICexc growth 3Y31.27%
ROICexc growth 5Y17.72%
OM growth 3Y35.46%
OM growth 5Y16.16%
PM growth 3Y30.15%
PM growth 5Y10.06%
GM growth 3Y9.65%
GM growth 5Y4.26%
F-Score7
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | 1.1 | ||
| Cap/Depr | 40.6% | ||
| Cap/Sales | 0.74% | ||
| Interest Coverage | 35.32 | ||
| Cash Conversion | 96.52% | ||
| Profit Quality | 104.6% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 2.17 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)67.14%
Cap/Depr(5y)73.64%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.76%
Profit Quality(3y)94.38%
Profit Quality(5y)84.46%
High Growth Momentum
Growth
EPS 1Y (TTM)20.27%
EPS 3Y45.98%
EPS 5Y19.14%
EPS Q2Q%24.32%
EPS Next Y9.35%
EPS Next 2Y7.65%
EPS Next 3Y7.49%
EPS Next 5YN/A
Revenue 1Y (TTM)10.22%
Revenue growth 3Y4.05%
Revenue growth 5Y4.75%
Sales Q2Q%5.6%
Revenue Next Year6.76%
Revenue Next 2Y6.37%
Revenue Next 3Y5.7%
Revenue Next 5YN/A
EBIT growth 1Y36.77%
EBIT growth 3Y40.94%
EBIT growth 5Y21.68%
EBIT Next Year53.77%
EBIT Next 3Y18.89%
EBIT Next 5YN/A
FCF growth 1Y49.06%
FCF growth 3Y48.19%
FCF growth 5Y11.23%
OCF growth 1Y44.08%
OCF growth 3Y33.83%
OCF growth 5Y11.16%
AGF MANAGEMENT LTD-CLASS B / AGF-B.CA FAQ
Can you provide the ChartMill fundamental rating for AGF MANAGEMENT LTD-CLASS B?
ChartMill assigns a fundamental rating of 6 / 10 to AGF-B.CA.
What is the valuation status for AGF-B stock?
ChartMill assigns a valuation rating of 8 / 10 to AGF MANAGEMENT LTD-CLASS B (AGF-B.CA). This can be considered as Undervalued.
How profitable is AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) stock?
AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) has a profitability rating of 7 / 10.
What is the expected EPS growth for AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) stock?
The Earnings per Share (EPS) of AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) is expected to grow by 9.35% in the next year.
Can you provide the dividend sustainability for AGF-B stock?
The dividend rating of AGF MANAGEMENT LTD-CLASS B (AGF-B.CA) is 8 / 10 and the dividend payout ratio is 27.23%.