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

TSX:CCS-PR-C • CA1899064077

23.63 CAD
+0.04 (+0.17%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, CCS-PR-C scores 5 out of 10 in our fundamental rating. CCS-PR-C was compared to 76 industry peers in the Insurance industry. CCS-PR-C has an average financial health and profitability rating. CCS-PR-C has a valuation in line with the averages, but it does not seem to be growing. Finally CCS-PR-C also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • CCS-PR-C had positive earnings in the past year.
  • 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 200M 400M 600M

1.2 Ratios

  • CCS-PR-C has a Return On Assets of 5.78%. This is amongst the best in the industry. CCS-PR-C outperforms 100.00% of its industry peers.
  • The Return On Equity of CCS-PR-C (16.61%) is better than 97.37% of its industry peers.
  • CCS-PR-C has a Return On Invested Capital of 6.68%. This is amongst the best in the industry. CCS-PR-C outperforms 85.53% of its industry peers.
  • CCS-PR-C had an Average Return On Invested Capital over the past 3 years of 2.98%. This is in line with the industry average of 2.99%.
  • The last Return On Invested Capital (6.68%) for CCS-PR-C is above the 3 year average (2.98%), which is a sign of increasing profitability.
Industry RankSector 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
CCS-PR-C.CA Yearly ROA, ROE, ROICCCS-PR-C.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2 4 6 8

1.3 Margins

  • CCS-PR-C has a Profit Margin (8.98%) which is comparable to the rest of the industry.
  • CCS-PR-C has a worse Operating Margin (12.17%) than 77.63% of its industry peers.
Industry RankSector 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
CCS-PR-C.CA Yearly Profit, Operating, Gross MarginsCCS-PR-C.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2 4 6

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CCS-PR-C is destroying value.
  • CCS-PR-C has about the same amout of shares outstanding than it did 1 year ago.
  • The debt/assets ratio for CCS-PR-C has been reduced compared to a year ago.
CCS-PR-C.CA Yearly Shares OutstandingCCS-PR-C.CA Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

  • Based on the Altman-Z score of 1.25, we must say that CCS-PR-C is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CCS-PR-C (1.25) is better than 98.68% of its industry peers.
  • CCS-PR-C has a debt to FCF ratio of 0.04. This is a very positive value and a sign of high solvency as it would only need 0.04 years to pay back of all of its debts.
  • CCS-PR-C has a better Debt to FCF ratio (0.04) than 100.00% of its industry peers.
  • CCS-PR-C has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
  • CCS-PR-C's Debt to Equity ratio of 0.01 is amongst the best of 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 1.25
ROIC/WACC0.98
WACC6.82%
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 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • CCS-PR-C has a Current 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.
  • The Current ratio of CCS-PR-C (0.27) is better than 84.21% of its industry peers.
  • A Quick Ratio of 0.27 indicates that CCS-PR-C may have some problems paying its short term obligations.
  • With an excellent Quick ratio value of 0.27, CCS-PR-C belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.27
Quick Ratio 0.27
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 100M 200M 300M 400M

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

2

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.
  • Looking at the last year, CCS-PR-C shows a quite strong growth in Revenue. The Revenue has grown by 15.55% in the last year.
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.
CCS-PR-C.CA Yearly Revenue VS EstimatesCCS-PR-C.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 1B 2B 3B 4B 5B

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • CCS-PR-C is valuated cheaply with a Price/Earnings ratio of 1.19.
  • Based on the Price/Earnings ratio, CCS-PR-C is valued cheaper than 97.37% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. CCS-PR-C is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.19
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 Enterprise Value to EBITDA ratio, CCS-PR-C is valued cheaply inside the industry as 98.68% of the companies are valued more expensively.
  • 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 0.11
EV/EBITDA 0.18
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. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.42%, 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 3.93.
  • CCS-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 5.42%

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
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 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CCS-PR-C pays out 7.65% of its income as dividend. This is a sustainable payout ratio.
DP7.65%
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 200M 400M 600M
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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Find the best dividend stocksShow peers with best dividend

CO-OPERATORS GENL INS - COOPIN 5 PERP

TSX:CCS-PR-C (2/20/2026, 7:00:00 PM)

23.63

+0.04 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners3.29%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap94.52M
Revenue(TTM)6.01B
Net Income(TTM)539.60M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.42%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP7.65%
Div Incr Years0
Div Non Decr Years17
Ex-DateN/A
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 1.19
Fwd PE N/A
P/S 0.02
P/FCF 0.11
P/OCF 0.11
P/B 0.03
P/tB 0.03
EV/EBITDA 0.18
EPS(TTM)19.88
EY84.13%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)222.53
FCFY941.71%
OCF(TTM)223.95
OCFY947.74%
SpS1501.56
BVpS812.36
TBVpS799.07
PEG (NY)N/A
PEG (5Y)N/A
Graham Number602.8
Profitability
Industry RankSector 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 RankSector 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
WACC6.82%
ROIC/WACC0.98
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.


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

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.


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 1.19 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 7.65%.