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EQB INC - EQBCN 5.969 PERP (EQB-PR-C.CA) Stock Fundamental Analysis

TSX:EQB-PR-C - CA26886R2037

25 CAD
+0.03 (+0.12%)
Last: 9/27/2024, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to EQB-PR-C. EQB-PR-C was compared to 26 industry peers in the Banks industry. Both the profitability and financial health of EQB-PR-C have multiple concerns. EQB-PR-C is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

EQB-PR-C had positive earnings in the past year.
EQB-PR-C had a negative operating cash flow in the past year.
In the past 5 years EQB-PR-C has always been profitable.
Of the past 5 years EQB-PR-C 4 years had a positive operating cash flow.
EQB-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFEQB-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M

1.2 Ratios

With a Return On Assets value of 0.66%, EQB-PR-C perfoms like the industry average, outperforming 52.63% of the companies in the same industry.
EQB-PR-C has a Return On Equity of 11.07%. This is comparable to the rest of the industry: EQB-PR-C outperforms 50.00% of its industry peers.
Industry RankSector Rank
ROA 0.66%
ROE 11.07%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.68%
ROE(3y)12.83%
ROE(5y)12.96%
ROIC(3y)N/A
ROIC(5y)N/A
EQB-PR-C.CA Yearly ROA, ROE, ROICEQB-PR-C.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

EQB-PR-C has a Profit Margin of 30.40%. This is in the better half of the industry: EQB-PR-C outperforms 76.32% of its industry peers.
EQB-PR-C's Profit Margin has declined in the last couple of years.
EQB-PR-C does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.9%
PM growth 5Y-5.39%
GM growth 3YN/A
GM growth 5YN/A
EQB-PR-C.CA Yearly Profit, Operating, Gross MarginsEQB-PR-C.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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0

2. Health

2.1 Basic Checks

EQB-PR-C does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EQB-PR-C has been increased compared to 1 year ago.
EQB-PR-C has more shares outstanding than it did 5 years ago.
EQB-PR-C has a better debt/assets ratio than last year.
EQB-PR-C.CA Yearly Shares OutstandingEQB-PR-C.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
EQB-PR-C.CA Yearly Total Debt VS Total AssetsEQB-PR-C.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B 50B

2.2 Solvency

A Debt/Equity ratio of 4.66 is on the high side and indicates that EQB-PR-C has dependencies on debt financing.
The Debt to Equity ratio of EQB-PR-C (4.66) is worse than 89.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.66
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC3.48%
EQB-PR-C.CA Yearly LT Debt VS Equity VS FCFEQB-PR-C.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EQB-PR-C.CA Yearly Current Assets VS Current LiabilitesEQB-PR-C.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

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6

3. Growth

3.1 Past

EQB-PR-C shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.83%.
The Earnings Per Share has been growing by 9.94% on average over the past years. This is quite good.
Looking at the last year, EQB-PR-C shows a quite strong growth in Revenue. The Revenue has grown by 15.43% in the last year.
EQB-PR-C shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.49% yearly.
EPS 1Y (TTM)-13.83%
EPS 3Y7.66%
EPS 5Y9.94%
EPS Q2Q%-16.22%
Revenue 1Y (TTM)15.43%
Revenue growth 3Y16.32%
Revenue growth 5Y17.49%
Sales Q2Q%-13.16%

3.2 Future

EQB-PR-C is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.53% yearly.
EQB-PR-C is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.48% yearly.
EPS Next Y24.57%
EPS Next 2Y16.87%
EPS Next 3Y12.53%
EPS Next 5YN/A
Revenue Next Year31.51%
Revenue Next 2Y17.91%
Revenue Next 3Y12.48%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
EQB-PR-C.CA Yearly Revenue VS EstimatesEQB-PR-C.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
EQB-PR-C.CA Yearly EPS VS EstimatesEQB-PR-C.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

EQB-PR-C is valuated cheaply with a Price/Earnings ratio of 2.03.
EQB-PR-C's Price/Earnings ratio is rather cheap when compared to the industry. EQB-PR-C is cheaper than 97.37% of the companies in the same industry.
EQB-PR-C is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 1.95, which indicates a rather cheap valuation of EQB-PR-C.
Based on the Price/Forward Earnings ratio, EQB-PR-C is valued cheaper than 86.84% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.69. EQB-PR-C is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.03
Fwd PE 1.95
EQB-PR-C.CA Price Earnings VS Forward Price EarningsEQB-PR-C.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
EQB-PR-C.CA Per share dataEQB-PR-C.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

4.3 Compensation for Growth

EQB-PR-C's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as EQB-PR-C's earnings are expected to grow with 12.53% in the coming years.
PEG (NY)0.08
PEG (5Y)0.2
EPS Next 2Y16.87%
EPS Next 3Y12.53%

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4

5. Dividend

5.1 Amount

EQB-PR-C has a Yearly Dividend Yield of 1.81%.
With a Dividend Yield of 1.81, EQB-PR-C pays less dividend than the industry average, which is at 3.58. 89.47% of the companies listed in the same industry pay a better dividend than EQB-PR-C!
EQB-PR-C's Dividend Yield is slightly below the S&P500 average, which is at 2.45.
Industry RankSector Rank
Dividend Yield 1.81%

5.2 History

The dividend of EQB-PR-C is nicely growing with an annual growth rate of 17.43%!
EQB-PR-C has been paying a dividend for at least 10 years, so it has a reliable track record.
EQB-PR-C has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)17.43%
Div Incr Years0
Div Non Decr Years3
EQB-PR-C.CA Yearly Dividends per shareEQB-PR-C.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5

5.3 Sustainability

20.05% of the earnings are spent on dividend by EQB-PR-C. This is a low number and sustainable payout ratio.
The dividend of EQB-PR-C is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.05%
EPS Next 2Y16.87%
EPS Next 3Y12.53%
EQB-PR-C.CA Yearly Income VS Free CF VS DividendEQB-PR-C.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M
EQB-PR-C.CA Dividend Payout.EQB-PR-C.CA Dividend Payout, showing the Payout Ratio.EQB-PR-C.CA Dividend Payout.PayoutRetained Earnings

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EQB INC - EQBCN 5.969 PERP

TSX:EQB-PR-C (9/27/2024, 7:00:00 PM)

25

+0.03 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-28 2024-08-28/amc
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap959.73M
Analysts75.38
Price Target26.4 (5.6%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
Yearly Dividend1.33
Dividend Growth(5Y)17.43%
DP20.05%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.73%
Min EPS beat(2)1.45%
Max EPS beat(2)4.01%
EPS beat(4)3
Avg EPS beat(4)1.23%
Min EPS beat(4)-3.74%
Max EPS beat(4)4.01%
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)0
Avg Revenue beat(2)-4.07%
Min Revenue beat(2)-5.12%
Max Revenue beat(2)-3.02%
Revenue beat(4)0
Avg Revenue beat(4)-4.13%
Min Revenue beat(4)-5.78%
Max Revenue beat(4)-2.59%
Revenue beat(8)2
Avg Revenue beat(8)-0.76%
Revenue beat(12)4
Avg Revenue beat(12)0.26%
Revenue beat(16)8
Avg Revenue beat(16)1.82%
PT rev (1m)-5.04%
PT rev (3m)-13.57%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)-3.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.83%
Revenue NQ rev (1m)-2.78%
Revenue NQ rev (3m)-1.52%
Revenue NY rev (1m)3.13%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 2.03
Fwd PE 1.95
P/S 0.82
P/FCF N/A
P/OCF N/A
P/B 0.3
P/tB 0.33
EV/EBITDA N/A
EPS(TTM)12.33
EY49.32%
EPS(NY)12.79
Fwd EY51.16%
FCF(TTM)-14.54
FCFYN/A
OCF(TTM)-12.1
OCFYN/A
SpS30.67
BVpS84.23
TBVpS75.96
PEG (NY)0.08
PEG (5Y)0.2
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 11.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.4%
GM N/A
FCFM N/A
ROA(3y)0.68%
ROA(5y)0.68%
ROE(3y)12.83%
ROE(5y)12.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.9%
PM growth 5Y-5.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.66
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 159%
Cap/Sales 7.98%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC3.48%
ROIC/WACCN/A
Cap/Depr(3y)134.26%
Cap/Depr(5y)147.15%
Cap/Sales(3y)6.93%
Cap/Sales(5y)6.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-13.83%
EPS 3Y7.66%
EPS 5Y9.94%
EPS Q2Q%-16.22%
EPS Next Y24.57%
EPS Next 2Y16.87%
EPS Next 3Y12.53%
EPS Next 5YN/A
Revenue 1Y (TTM)15.43%
Revenue growth 3Y16.32%
Revenue growth 5Y17.49%
Sales Q2Q%-13.16%
Revenue Next Year31.51%
Revenue Next 2Y17.91%
Revenue Next 3Y12.48%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-476.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-663.7%
OCF growth 3Y-54.03%
OCF growth 5Y-35.77%