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

Fundamental Rating

CCS-PR-C gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. CCS-PR-C has an average financial health and profitability rating. CCS-PR-C is valued correctly, but it does not seem to be growing. Finally CCS-PR-C also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

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

1.2 Ratios

The Return On Assets of CCS-PR-C (5.78%) is better than 100.00% of its industry peers.
CCS-PR-C's Return On Equity of 16.61% is amongst the best of the industry. CCS-PR-C outperforms 97.53% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.68%, CCS-PR-C belongs to the top of the industry, outperforming 86.42% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CCS-PR-C 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 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

With a Profit Margin value of 8.98%, CCS-PR-C perfoms like the industry average, outperforming 45.68% of the companies in the same industry.
With a Operating Margin value of 12.17%, CCS-PR-C is not doing good in the industry: 76.54% of the companies in the same industry are doing better.

		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

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CCS-PR-C is creating some value.
CCS-PR-C has about the same amout of shares outstanding than it did 1 year ago.
CCS-PR-C has a better debt/assets ratio than last year.

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 98.77% 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.
The Debt to FCF ratio of CCS-PR-C (0.04) is better 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.
Looking at the Debt to Equity ratio, with a value of 0.01, CCS-PR-C belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.01
Debt/FCF	0.04
Altman-Z	1.25

ROIC/WACC1.01

WACC6.64%

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.
CCS-PR-C's Current ratio of 0.27 is amongst the best of the industry. CCS-PR-C outperforms 82.72% 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 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

The Earnings Per Share has grown by an impressive 66.26% over the past year.
The Revenue has grown by 15.55% in the past year. This is quite good.

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

With a Price/Earnings ratio of 1.15, the valuation of CCS-PR-C can be described as very cheap.
CCS-PR-C's Price/Earnings ratio is rather cheap when compared to the industry. CCS-PR-C is cheaper than 98.77% of the companies in the same industry.
CCS-PR-C's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.

		Industry Rank	Sector Rank
PE	1.15
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CCS-PR-C is valued cheaply inside the industry as 98.77% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, CCS-PR-C is valued cheaper than 100.00% 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

CCS-PR-C has a Yearly Dividend Yield of 5.44%, which is a nice return.
CCS-PR-C's Dividend Yield is comparable with the industry average which is at 4.15.
Compared to an average S&P500 Dividend Yield of 1.85, CCS-PR-C pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.44%

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 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

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

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CO-OPERATORS GENL INS - COOPIN 5 PERP

TSX:CCS-PR-C (1/16/2026, 7:00:00 PM)

22.91

-0.08 (-0.35%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners3.29%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap91.64M

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	5.44%

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 Rank	Sector Rank
PE	1.15
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

EY86.77%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)222.53

FCFY971.3%

OCF(TTM)223.95

OCFY977.53%

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

WACC6.64%

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.

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 1.15 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%.

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?

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

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

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

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