CCS-PR-C Fundamental Analysis - CO-OPERATORS GENL INS - COOPIN 5 PERP

Fundamental Rating

Overall CCS-PR-C gets a fundamental rating of 5 out of 10. We evaluated CCS-PR-C against 81 industry peers in the Insurance industry. CCS-PR-C has only an average score on both its financial health and profitability. CCS-PR-C has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally CCS-PR-C also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year CCS-PR-C was profitable.

CCS-PR-C had a positive operating cash flow in the past year.

1.2 Ratios

Looking at the Return On Assets, with a value of 5.78%, CCS-PR-C belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

CCS-PR-C has a Return On Equity of 16.61%. This is amongst the best in the industry. CCS-PR-C outperforms 95.06% of its industry peers.

The Return On Invested Capital of CCS-PR-C (6.68%) is better than 85.19% of its industry peers.

The Average Return On Invested Capital over the past 3 years for CCS-PR-C is in line with the industry average of 2.53%.

The 3 year average ROIC (2.98%) for CCS-PR-C is below the current ROIC(6.68%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	5.78%
ROE	16.61%
ROIC	6.68%

ROA(3y)2.66%

ROA(5y)N/A

ROE(3y)7.74%

ROE(5y)N/A

ROIC(3y)2.98%

ROIC(5y)N/A

1.3 Margins

CCS-PR-C has a Profit Margin of 8.98%. This is comparable to the rest of the industry: CCS-PR-C outperforms 43.21% of its industry peers.

The Operating Margin of CCS-PR-C (12.17%) is worse than 95.06% of its industry peers.

		Industry Rank	Sector Rank
OM	12.17%
PM (TTM)	8.98%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CCS-PR-C has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.

Compared to 1 year ago, CCS-PR-C has about the same amount of shares outstanding.

The debt/assets ratio for CCS-PR-C has been reduced compared to a year ago.

2.2 Solvency

CCS-PR-C has an Altman-Z score of 1.25. This is a bad value and indicates that CCS-PR-C is not financially healthy and even has some risk of bankruptcy.

CCS-PR-C's Altman-Z score of 1.25 is amongst the best of the industry. CCS-PR-C outperforms 97.53% of its industry peers.

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.

Looking at the Debt to FCF ratio, with a value of 0.04, CCS-PR-C belongs to the top 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 Rank	Sector Rank
Debt/Equity	0.01
Debt/FCF	0.04
Altman-Z	1.25

ROIC/WACC1.01

WACC6.59%

2.3 Liquidity

A Current Ratio of 0.27 indicates that CCS-PR-C may have some problems paying its short term obligations.

Looking at the Current ratio, with a value of 0.27, CCS-PR-C belongs to the top of the industry, outperforming 82.72% of the companies in the same industry.

CCS-PR-C has a Quick Ratio of 0.27. This is a bad value and indicates that CCS-PR-C is not financially healthy enough and could expect problems in meeting its short term obligations.

Looking at the Quick ratio, with a value of 0.27, CCS-PR-C belongs to the top of the industry, outperforming 82.72% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.27
Quick Ratio	0.27

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CCS-PR-C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 66.26%, which is quite impressive.

CCS-PR-C shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.55%.

EPS 1Y (TTM)66.26%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%605.69%

Revenue 1Y (TTM)15.55%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%4.11%

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.

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4. Valuation

4.1 Price/Earnings Ratio

CCS-PR-C is valuated cheaply with a Price/Earnings ratio of 1.14.

Compared to the rest of the industry, the Price/Earnings ratio of CCS-PR-C indicates a rather cheap valuation: CCS-PR-C is cheaper than 96.30% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of CCS-PR-C to the average of the S&P500 Index (26.46), we can say CCS-PR-C is valued rather cheaply.

		Industry Rank	Sector Rank
PE	1.14
Fwd PE	N/A

4.2 Price Multiples

CCS-PR-C's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CCS-PR-C is cheaper than 98.77% of the companies in the same industry.

Based on the Price/Free Cash Flow ratio, CCS-PR-C is valued cheaper than 81.48% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	0.1
EV/EBITDA	0.17

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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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.47%, CCS-PR-C is a good candidate for dividend investing.

CCS-PR-C's Dividend Yield is a higher than the industry average which is at 4.32.

CCS-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	5.47%

5.2 History

CCS-PR-C has paid a dividend for at least 10 years, which is a reliable track record.

CCS-PR-C has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years17

5.3 Sustainability

7.65% of the earnings are spent on dividend by CCS-PR-C. This is a low number and sustainable payout ratio.

DP7.65%

EPS Next 2YN/A

EPS Next 3YN/A

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CO-OPERATORS GENL INS - COOPIN 5 PERP

TSX:CCS-PR-C (12/4/2025, 7:00:00 PM)

22.7

+0.3 (+1.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners3.33%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap90.80M

Revenue(TTM)6.01B

Net Income(TTM)539.60M

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.47%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP7.65%

Div Incr Years0

Div Non Decr Years17

Ex-Date12-01 2025-12-01 (0.3125)

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 Rank	Sector Rank
PE	1.14
Fwd PE	N/A
P/S	0.02
P/FCF	0.1
P/OCF	0.1
P/B	0.03
P/tB	0.03
EV/EBITDA	0.17

EPS(TTM)19.88

EY87.58%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)222.53

FCFY980.29%

OCF(TTM)223.95

OCFY986.57%

SpS1501.56

BVpS812.36

TBVpS799.07

PEG (NY)N/A

PEG (5Y)N/A

Graham Number602.8

Profitability

		Industry Rank	Sector Rank
ROA	5.78%
ROE	16.61%
ROCE	8.27%
ROIC	6.68%
ROICexc	6.68%
ROICexgc	7.08%
OM	12.17%
PM (TTM)	8.98%
GM	N/A
FCFM	14.82%

ROA(3y)2.66%

ROA(5y)N/A

ROE(3y)7.74%

ROE(5y)N/A

ROIC(3y)2.98%

ROIC(5y)N/A

ROICexc(3y)3.04%

ROICexc(5y)N/A

ROICexgc(3y)3.3%

ROICexgc(5y)N/A

ROCE(3y)3.69%

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.64

Health

		Industry Rank	Sector Rank
Debt/Equity	0.01
Debt/FCF	0.04
Debt/EBITDA	0.05
Cap/Depr	25.95%
Cap/Sales	0.1%
Interest Coverage	421.94
Cash Conversion	118.93%
Profit Quality	164.96%
Current Ratio	0.27
Quick Ratio	0.27
Altman-Z	1.25

F-Score6

WACC6.59%

ROIC/WACC1.01

Cap/Depr(3y)39.25%

Cap/Depr(5y)N/A

Cap/Sales(3y)0.18%

Cap/Sales(5y)N/A

Profit Quality(3y)269.84%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)66.26%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%605.69%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)15.55%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%4.11%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y80.38%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-23.49%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-24.95%

OCF growth 3YN/A

OCF growth 5YN/A

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

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

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

What is the valuation status for CCS-PR-C stock?

ChartMill assigns a valuation rating of 5 / 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 4 / 10.

What are the PE and PB ratios of CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) stock?

The Price/Earnings (PE) ratio for CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) is 1.14 and the Price/Book (PB) ratio is 0.03.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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

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

What is the valuation status for CCS-PR-C stock?

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

What are the PE and PB ratios of CO-OPERATORS GENL INS - COOPIN 5 PERP (CCS-PR-C.CA) stock?