FAIRFAX FINL HLDGS LTD - FFHCN 2.962 PERP (FFH-PR-G.CA) Stock Fundamental Analysis
TSX:FFH-PR-G - CA3039018625
25.13 CAD
0 (0%)
Overall FFH-PR-G gets a fundamental rating of 6 out of 10. We evaluated FFH-PR-G against 80 industry peers in the Insurance industry. While FFH-PR-G has a great profitability rating, there are quite some concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FFH-PR-G.
1. Profitability
1.1 Basic Checks
FFH-PR-G had positive earnings in the past year.
FFH-PR-G had a positive operating cash flow in the past year.
In the past 5 years FFH-PR-G has always been profitable.
In multiple years FFH-PR-G reported negative operating cash flow during the last 5 years.
1.2 Ratios
FFH-PR-G has a Return On Assets of 4.72%. This is amongst the best in the industry. FFH-PR-G outperforms 97.50% of its industry peers.
Looking at the Return On Equity, with a value of 18.99%, FFH-PR-G belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
FFH-PR-G has a better Return On Invested Capital (5.75%) than 85.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FFH-PR-G is above the industry average of 2.34%.
The last Return On Invested Capital (5.75%) for FFH-PR-G is above the 3 year average (4.77%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.72% | ||
| ROE | 18.99% | ||
| ROIC | 5.75% |
ROA(3y)4.31%
ROA(5y)3.41%
ROE(3y)17.47%
ROE(5y)14.83%
ROIC(3y)4.77%
ROIC(5y)3.33%
1.3 Margins
FFH-PR-G has a better Profit Margin (11.07%) than 77.50% of its industry peers.
In the last couple of years the Profit Margin of FFH-PR-G has remained more or less at the same level.
FFH-PR-G has a Operating Margin (15.63%) which is in line with its industry peers.
FFH-PR-G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.63% | ||
| PM (TTM) | 11.07% | ||
| GM | N/A |
OM growth 3Y17.05%
OM growth 5Y16.15%
PM growth 3Y-10.7%
PM growth 5Y0.68%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FFH-PR-G is still creating some value.
Compared to 1 year ago, FFH-PR-G has less shares outstanding
Compared to 5 years ago, FFH-PR-G has less shares outstanding
FFH-PR-G has a worse debt/assets ratio than last year.
2.2 Solvency
FFH-PR-G has a debt to FCF ratio of 3.50. This is a good value and a sign of high solvency as FFH-PR-G would need 3.50 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.50, FFH-PR-G is not doing good in the industry: 67.50% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.49 indicates that FFH-PR-G is not too dependend on debt financing.
FFH-PR-G's Debt to Equity ratio of 0.49 is on the low side compared to the rest of the industry. FFH-PR-G is outperformed by 66.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.5 | ||
| Altman-Z | N/A |
ROIC/WACC1.31
WACC4.39%
2.3 Liquidity
FFH-PR-G has a Current Ratio of 0.52. This is a bad value and indicates that FFH-PR-G is not financially healthy enough and could expect problems in meeting its short term obligations.
FFH-PR-G has a Current ratio of 0.52. This is amongst the best in the industry. FFH-PR-G outperforms 86.25% of its industry peers.
FFH-PR-G has a Quick Ratio of 0.52. This is a bad value and indicates that FFH-PR-G is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 0.52, FFH-PR-G belongs to the best of the industry, outperforming 86.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 |
3. Growth
3.1 Past
FFH-PR-G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.98%, which is quite impressive.
Measured over the past years, FFH-PR-G shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.21% on average per year.
FFH-PR-G shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.89%.
The Revenue has been growing by 13.88% on average over the past years. This is quite good.
EPS 1Y (TTM)20.98%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%65.71%
Revenue 1Y (TTM)9.89%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%13.49%
3.2 Future
Based on estimates for the next years, FFH-PR-G will show a decrease in Earnings Per Share. The EPS will decrease by -3.91% on average per year.
FFH-PR-G is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.52% yearly.
EPS Next Y13.57%
EPS Next 2Y4.64%
EPS Next 3Y5.36%
EPS Next 5Y-3.91%
Revenue Next Year30.1%
Revenue Next 2Y17.21%
Revenue Next 3Y18.16%
Revenue Next 5Y12.52%
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 decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 0.09, the valuation of FFH-PR-G can be described as very cheap.
97.50% of the companies in the same industry are more expensive than FFH-PR-G, based on the Price/Earnings ratio.
FFH-PR-G is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 0.10 indicates a rather cheap valuation of FFH-PR-G.
FFH-PR-G's Price/Forward Earnings ratio is rather cheap when compared to the industry. FFH-PR-G is cheaper than 97.50% of the companies in the same industry.
FFH-PR-G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.1 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FFH-PR-G is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
78.75% of the companies in the same industry are more expensive than FFH-PR-G, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.13 | ||
| EV/EBITDA | 1.29 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of FFH-PR-G may justify a higher PE ratio.
PEG (NY)0.01
PEG (5Y)0.01
EPS Next 2Y4.64%
EPS Next 3Y5.36%
5. Dividend
5.1 Amount
With a yearly dividend of 0.91%, FFH-PR-G is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.93, FFH-PR-G's dividend is way lower than its industry peers. On top of this 92.50% of the companies listed in the same industry pay a better dividend than FFH-PR-G!
Compared to an average S&P500 Dividend Yield of 2.32, FFH-PR-G's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
5.2 History
The dividend of FFH-PR-G is nicely growing with an annual growth rate of 16.96%!
FFH-PR-G has been paying a dividend for at least 10 years, so it has a reliable track record.
FFH-PR-G has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.96%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
FFH-PR-G pays out 18.52% of its income as dividend. This is a sustainable payout ratio.
DP18.52%
EPS Next 2Y4.64%
EPS Next 3Y5.36%
FAIRFAX FINL HLDGS LTD - FFHCN 2.962 PERP
TSX:FFH-PR-G (9/4/2025, 7:00:00 PM)
25.13
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners37.64%
Inst Owner ChangeN/A
Ins Owners2.45%
Ins Owner ChangeN/A
Market Cap607.64M
Analysts78.18
Price Target30.6 (21.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend34.8
Dividend Growth(5Y)16.96%
DP18.52%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.86%
Min EPS beat(2)15.05%
Max EPS beat(2)38.68%
EPS beat(4)4
Avg EPS beat(4)26.48%
Min EPS beat(4)15.05%
Max EPS beat(4)38.68%
EPS beat(8)7
Avg EPS beat(8)18.56%
EPS beat(12)10
Avg EPS beat(12)20.16%
EPS beat(16)14
Avg EPS beat(16)109.42%
Revenue beat(2)1
Avg Revenue beat(2)-1.63%
Min Revenue beat(2)-4.02%
Max Revenue beat(2)0.76%
Revenue beat(4)3
Avg Revenue beat(4)13.97%
Min Revenue beat(4)-4.02%
Max Revenue beat(4)39.5%
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)9.94%
PT rev (3m)7.47%
EPS NQ rev (1m)-8.68%
EPS NQ rev (3m)6.73%
EPS NY rev (1m)16.63%
EPS NY rev (3m)16.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)21.08%
Revenue NY rev (3m)1.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.1 | ||
| P/S | 0.01 | ||
| P/FCF | 0.13 | ||
| P/OCF | 0.12 | ||
| P/B | 0.02 | ||
| P/tB | 0.03 | ||
| EV/EBITDA | 1.29 |
EPS(TTM)272.7
EY1085.16%
EPS(NY)243.66
Fwd EY969.58%
FCF(TTM)191.84
FCFY763.4%
OCF(TTM)216.79
OCFY862.69%
SpS2358.29
BVpS1375.41
TBVpS902.34
PEG (NY)0.01
PEG (5Y)0.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.72% | ||
| ROE | 18.99% | ||
| ROCE | 7.11% | ||
| ROIC | 5.75% | ||
| ROICexc | 5.93% | ||
| ROICexgc | 9.02% | ||
| OM | 15.63% | ||
| PM (TTM) | 11.07% | ||
| GM | N/A | ||
| FCFM | 8.13% |
ROA(3y)4.31%
ROA(5y)3.41%
ROE(3y)17.47%
ROE(5y)14.83%
ROIC(3y)4.77%
ROIC(5y)3.33%
ROICexc(3y)4.93%
ROICexc(5y)3.46%
ROICexgc(3y)6.66%
ROICexgc(5y)4.71%
ROCE(3y)5.89%
ROCE(5y)4.11%
ROICexcg growth 3Y29.29%
ROICexcg growth 5Y23.46%
ROICexc growth 3Y31.23%
ROICexc growth 5Y24.08%
OM growth 3Y17.05%
OM growth 5Y16.15%
PM growth 3Y-10.7%
PM growth 5Y0.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.43
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.5 | ||
| Debt/EBITDA | 1.6 | ||
| Cap/Depr | 48.35% | ||
| Cap/Sales | 1.06% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 51.59% | ||
| Profit Quality | 73.45% | ||
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 | ||
| Altman-Z | N/A |
F-Score7
WACC4.39%
ROIC/WACC1.31
Cap/Depr(3y)57.82%
Cap/Depr(5y)49.56%
Cap/Sales(3y)1.28%
Cap/Sales(5y)1.35%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.98%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%65.71%
EPS Next Y13.57%
EPS Next 2Y4.64%
EPS Next 3Y5.36%
EPS Next 5Y-3.91%
Revenue 1Y (TTM)9.89%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%13.49%
Revenue Next Year30.1%
Revenue Next 2Y17.21%
Revenue Next 3Y18.16%
Revenue Next 5Y12.52%
EBIT growth 1Y16.72%
EBIT growth 3Y37.56%
EBIT growth 5Y32.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y250.03%
FCF growth 3Y-17.08%
FCF growth 5Y28.19%
OCF growth 1Y321.93%
OCF growth 3Y-15.59%
OCF growth 5Y24.13%