CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) Fundamental Analysis & Valuation

TSX:CCS-PR-C • CA1899064077

Current stock price

23.01 CAD
+0.01 (+0.04%)
Last:

This CCS-PR-C.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CCS-PR-C.CA Profitability Analysis

1.1 Basic Checks

  • In the past year CCS-PR-C was profitable.
  • In the past year CCS-PR-C had a positive cash flow from operations.
CCS-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFCCS-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 7.16%, CCS-PR-C belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • CCS-PR-C's Return On Equity of 21.86% is amongst the best of the industry. CCS-PR-C outperforms 100.00% of its industry peers.
  • The Return On Invested Capital of CCS-PR-C (7.74%) is better than 98.72% of its industry peers.
  • CCS-PR-C had an Average Return On Invested Capital over the past 3 years of 4.23%. This is in line with the industry average of 3.17%.
  • The 3 year average ROIC (4.23%) for CCS-PR-C is below the current ROIC(7.74%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 7.16%
ROE 21.86%
ROIC 7.74%
ROA(3y)3.91%
ROA(5y)N/A
ROE(3y)11.88%
ROE(5y)N/A
ROIC(3y)4.23%
ROIC(5y)N/A
CCS-PR-C.CA Yearly ROA, ROE, ROICCCS-PR-C.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • CCS-PR-C has a Profit Margin (10.71%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of CCS-PR-C has grown nicely.
  • The Operating Margin of CCS-PR-C (14.09%) is worse than 75.64% of its industry peers.
  • In the last couple of years the Operating Margin of CCS-PR-C has grown nicely.
Industry RankSector Rank
OM 14.09%
PM (TTM) 10.71%
GM N/A
OM growth 3Y24.28%
OM growth 5YN/A
PM growth 3Y23.14%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CCS-PR-C.CA Yearly Profit, Operating, Gross MarginsCCS-PR-C.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 5 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. CCS-PR-C.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CCS-PR-C is creating some value.
  • Compared to 1 year ago, CCS-PR-C has about the same amount of shares outstanding.
  • Compared to 1 year ago, CCS-PR-C has a worse debt to assets ratio.
CCS-PR-C.CA Yearly Shares OutstandingCCS-PR-C.CA Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 2025 5M 10M 15M 20M 25M
CCS-PR-C.CA Yearly Total Debt VS Total AssetsCCS-PR-C.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • Based on the Altman-Z score of 1.28, we must say that CCS-PR-C is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.28, CCS-PR-C belongs to the top of the industry, outperforming 98.72% of the companies in the same industry.
  • The Debt to FCF ratio of CCS-PR-C is 0.04, which is an excellent value as it means it would take CCS-PR-C, only 0.04 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.04, CCS-PR-C belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.01 indicates that CCS-PR-C is not too dependend on debt financing.
  • CCS-PR-C has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. CCS-PR-C outperforms 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.04
Altman-Z 1.28
ROIC/WACC1.14
WACC6.79%
CCS-PR-C.CA Yearly LT Debt VS Equity VS FCFCCS-PR-C.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.25 indicates that CCS-PR-C may have some problems paying its short term obligations.
  • CCS-PR-C's Current ratio of 0.25 is amongst the best of the industry. CCS-PR-C outperforms 85.90% of its industry peers.
  • A Quick Ratio of 0.25 indicates that CCS-PR-C may have some problems paying its short term obligations.
  • The Quick ratio of CCS-PR-C (0.25) is better than 85.90% of its industry peers.
Industry RankSector Rank
Current Ratio 0.25
Quick Ratio 0.25
CCS-PR-C.CA Yearly Current Assets VS Current LiabilitesCCS-PR-C.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CCS-PR-C.CA Growth Analysis

3.1 Past

  • CCS-PR-C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 178.75%, which is quite impressive.
  • Measured over the past years, CCS-PR-C shows a very strong growth in Earnings Per Share. The EPS has been growing by 38.98% on average per year.
  • Looking at the last year, CCS-PR-C shows a quite strong growth in Revenue. The Revenue has grown by 10.87% in the last year.
  • The Revenue has been growing by 13.06% on average over the past years. This is quite good.
EPS 1Y (TTM)178.75%
EPS 3Y38.98%
EPS 5YN/A
EPS Q2Q%126.75%
Revenue 1Y (TTM)10.87%
Revenue growth 3Y13.06%
Revenue growth 5YN/A
Sales Q2Q%10.91%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CCS-PR-C.CA Yearly Revenue VS EstimatesCCS-PR-C.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2B 4B 6B

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4

4. CCS-PR-C.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 0.95, the valuation of CCS-PR-C can be described as very cheap.
  • Based on the Price/Earnings ratio, CCS-PR-C is valued cheaply inside the industry as 98.72% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, CCS-PR-C is valued rather cheaply.
Industry RankSector Rank
PE 0.95
Fwd PE N/A
CCS-PR-C.CA Price Earnings VS Forward Price EarningsCCS-PR-C.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CCS-PR-C is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.09
EV/EBITDA -0.58
CCS-PR-C.CA Per share dataCCS-PR-C.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CCS-PR-C.CA Dividend Analysis

5.1 Amount

  • CCS-PR-C has a Yearly Dividend Yield of 5.39%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.76, CCS-PR-C pays a better dividend. On top of this CCS-PR-C pays more dividend than 82.05% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, CCS-PR-C pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.39%

5.2 History

  • CCS-PR-C has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CCS-PR-C has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years17
CCS-PR-C.CA Yearly Dividends per shareCCS-PR-C.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CCS-PR-C pays out 76.06% of its income as dividend. This is not a sustainable payout ratio.
DP76.06%
EPS Next 2YN/A
EPS Next 3YN/A
CCS-PR-C.CA Yearly Income VS Free CF VS DividendCCS-PR-C.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2022 2023 2024 2025 200M 400M 600M 800M 1B
CCS-PR-C.CA Dividend Payout.CCS-PR-C.CA Dividend Payout, showing the Payout Ratio.CCS-PR-C.CA Dividend Payout.PayoutRetained Earnings

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CCS-PR-C.CA Fundamentals: All Metrics, Ratios and Statistics

CO-OPERATORS GENL INS - COOPIN 5 PERP

TSX:CCS-PR-C (3/25/2026, 7:00:00 PM)

23.01

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners3.32%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap92.04M
Revenue(TTM)6.16B
Net Income(TTM)660.00M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.39%
Yearly Dividend18.59
Dividend Growth(5Y)N/A
DP76.06%
Div Incr Years0
Div Non Decr Years17
Ex-Date03-04
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.95
Fwd PE N/A
P/S 0.01
P/FCF 0.09
P/OCF 0.09
P/B 0.03
P/tB 0.03
EV/EBITDA -0.58
EPS(TTM)24.14
EY104.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)267.77
FCFY1163.72%
OCF(TTM)269.5
OCFY1171.23%
SpS1540.29
BVpS754.75
TBVpS742.05
PEG (NY)N/A
PEG (5Y)N/A
Graham Number640.27
Profitability
Industry RankSector Rank
ROA 7.16%
ROE 21.86%
ROCE 10.07%
ROIC 7.74%
ROICexc 8.37%
ROICexgc 8.94%
OM 14.09%
PM (TTM) 10.71%
GM N/A
FCFM 17.38%
ROA(3y)3.91%
ROA(5y)N/A
ROE(3y)11.88%
ROE(5y)N/A
ROIC(3y)4.23%
ROIC(5y)N/A
ROICexc(3y)4.44%
ROICexc(5y)N/A
ROICexgc(3y)4.77%
ROICexgc(5y)N/A
ROCE(3y)5.5%
ROCE(5y)N/A
ROICexgc growth 3Y30.18%
ROICexgc growth 5YN/A
ROICexc growth 3Y30.92%
ROICexc growth 5YN/A
OM growth 3Y24.28%
OM growth 5YN/A
PM growth 3Y23.14%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.67
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.04
Debt/EBITDA 0.04
Cap/Depr 27.85%
Cap/Sales 0.11%
Interest Coverage 456.84
Cash Conversion 120.74%
Profit Quality 162.29%
Current Ratio 0.25
Quick Ratio 0.25
Altman-Z 1.28
F-Score6
WACC6.79%
ROIC/WACC1.14
Cap/Depr(3y)40.41%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.18%
Cap/Sales(5y)N/A
Profit Quality(3y)283.38%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)178.75%
EPS 3Y38.98%
EPS 5YN/A
EPS Q2Q%126.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.87%
Revenue growth 3Y13.06%
Revenue growth 5YN/A
Sales Q2Q%10.91%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y170.41%
EBIT growth 3Y40.51%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y111.87%
FCF growth 3Y53.34%
FCF growth 5YN/A
OCF growth 1Y111.79%
OCF growth 3Y52.76%
OCF growth 5YN/A

CO-OPERATORS GENL INS - COOPIN 5 PERP / CCS-PR-C.CA Fundamental Analysis FAQ

What is the fundamental rating for CCS-PR-C stock?

ChartMill assigns a fundamental rating of 5 / 10 to CCS-PR-C.CA.


Can you provide the valuation status for CO-OPERATORS GENL INS - COOPIN 5 PERP?

ChartMill assigns a valuation rating of 4 / 10 to CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA). This can be considered as Fairly Valued.


How profitable is CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) stock?

CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for CCS-PR-C stock?

The Price/Earnings (PE) ratio for CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) is 0.95 and the Price/Book (PB) ratio is 0.03.


Is the dividend of CO-OPERATORS GENL INS - COOPIN 5 PERP sustainable?

The dividend rating of CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) is 7 / 10 and the dividend payout ratio is 76.06%.