FAIRFAX FINL HLDGS LTD - FFHCN 2.962 PERP (FFH-PR-G.CA) Stock Fundamental Analysis
TSX:FFH-PR-G - Toronto Stock Exchange - CA3039018625 - Currency: CAD
FFH-PR-G gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 industry peers in the Insurance industry. FFH-PR-G has a medium profitability rating, but doesn't score so well on its financial health evaluation. FFH-PR-G may be a bit undervalued, certainly considering the very reasonable score on growth Finally FFH-PR-G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FFH-PR-G was profitable.
FFH-PR-G had a positive operating cash flow in the past year.
Each year in the past 5 years FFH-PR-G has been profitable.
The reported operating cash flow has been mixed in the past 5 years: FFH-PR-G reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of FFH-PR-G (4.01%) is better than 89.87% of its industry peers.
FFH-PR-G has a Return On Equity of 16.12%. This is amongst the best in the industry. FFH-PR-G outperforms 96.20% of its industry peers.
The Return On Invested Capital of FFH-PR-G (5.10%) is better than 82.28% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FFH-PR-G is in line with the industry average of 2.78%.
The 3 year average ROIC (4.77%) for FFH-PR-G is below the current ROIC(5.10%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 16.12% | ||
| ROIC | 5.1% |
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 Profit Margin of 10.03%. This is in the better half of the industry: FFH-PR-G outperforms 60.76% 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 worse Operating Margin (14.77%) than 81.01% of its industry peers.
FFH-PR-G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.77% | ||
| PM (TTM) | 10.03% | ||
| 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
FFH-PR-G has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for FFH-PR-G has been reduced compared to 1 year ago.
The number of shares outstanding for FFH-PR-G has been reduced compared to 5 years ago.
Compared to 1 year ago, FFH-PR-G has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FFH-PR-G is 3.28, which is a good value as it means it would take FFH-PR-G, 3.28 years of fcf income to pay off all of its debts.
FFH-PR-G's Debt to FCF ratio of 3.28 is on the low side compared to the rest of the industry. FFH-PR-G is outperformed by 64.56% of its industry peers.
FFH-PR-G has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
FFH-PR-G has a worse Debt to Equity ratio (0.49) than 65.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.28 | ||
| Altman-Z | N/A |
ROIC/WACC1.17
WACC4.34%
2.3 Liquidity
A Current Ratio of 0.52 indicates that FFH-PR-G may have some problems paying its short term obligations.
The Current ratio of FFH-PR-G (0.52) is better than 83.54% of its industry peers.
A Quick Ratio of 0.52 indicates that FFH-PR-G may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.52, FFH-PR-G belongs to the top of the industry, outperforming 83.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.98% over the past year.
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.
The Revenue has grown by 8.81% in the past year. This is quite good.
FFH-PR-G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.88% yearly.
EPS 1Y (TTM)20.98%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%65.71%
Revenue 1Y (TTM)8.81%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%13.49%
3.2 Future
The Earnings Per Share is expected to decrease by -5.80% on average over the next years.
The Revenue is expected to grow by 12.47% on average over the next years. This is quite good.
EPS Next Y-2.62%
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
EPS Next 5Y-5.8%
Revenue Next Year7.45%
Revenue Next 2Y8.3%
Revenue Next 3Y18.16%
Revenue Next 5Y12.47%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
Based on the Price/Earnings ratio, FFH-PR-G is valued cheaper than 96.20% of the companies in the same industry.
When comparing the Price/Earnings ratio of FFH-PR-G to the average of the S&P500 Index (26.73), we can say FFH-PR-G is valued rather cheaply.
A Price/Forward Earnings ratio of 0.10 indicates a rather cheap valuation of FFH-PR-G.
96.20% of the companies in the same industry are more expensive than FFH-PR-G, based on the Price/Forward Earnings ratio.
FFH-PR-G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.1 |
4.2 Price Multiples
FFH-PR-G's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FFH-PR-G is cheaper than 93.67% of the companies in the same industry.
FFH-PR-G's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FFH-PR-G is cheaper than 77.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.11 | ||
| EV/EBITDA | 1.46 |
4.3 Compensation for Growth
The decent profitability rating of FFH-PR-G may justify a higher PE ratio.
A cheap valuation may be justified as FFH-PR-G's earnings are expected to decrease with -3.62% in the coming years.
PEG (NY)N/A
PEG (5Y)0.01
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
5. Dividend
5.1 Amount
FFH-PR-G has a Yearly Dividend Yield of 6.50%, which is a nice return.
FFH-PR-G's Dividend Yield is rather good when compared to the industry average which is at 5.01. FFH-PR-G pays more dividend than 87.34% of the companies in the same industry.
FFH-PR-G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.5% |
5.2 History
On average, the dividend of FFH-PR-G grows each year by 16.96%, which is quite nice.
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 15.09% of its income as dividend. This is a sustainable payout ratio.
DP15.09%
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
FAIRFAX FINL HLDGS LTD - FFHCN 2.962 PERP
TSX:FFH-PR-G (8/11/2025, 7:00:00 PM)
24.93
+0.27 (+1.09%)
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 Cap564.17M
Analysts78.18
Price Target30.21 (21.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.5% |
Yearly Dividend34.77
Dividend Growth(5Y)16.96%
DP15.09%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.1%
Min EPS beat(2)23.14%
Max EPS beat(2)29.06%
EPS beat(4)3
Avg EPS beat(4)10.96%
Min EPS beat(4)-25.87%
Max EPS beat(4)29.06%
EPS beat(8)6
Avg EPS beat(8)12.63%
EPS beat(12)10
Avg EPS beat(12)134.85%
EPS beat(16)14
Avg EPS beat(16)129.12%
Revenue beat(2)2
Avg Revenue beat(2)29.57%
Min Revenue beat(2)19.64%
Max Revenue beat(2)39.5%
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)8.38%
PT rev (3m)7.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-16.14%
Revenue NY rev (3m)-16.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.1 | ||
| P/S | 0.01 | ||
| P/FCF | 0.11 | ||
| P/OCF | 0.1 | ||
| P/B | 0.02 | ||
| P/tB | 0.03 | ||
| EV/EBITDA | 1.46 |
EPS(TTM)272.03
EY1091.18%
EPS(NY)240.2
Fwd EY963.49%
FCF(TTM)218.37
FCFY875.94%
OCF(TTM)243.27
OCFY975.82%
SpS2355.28
BVpS1466.01
TBVpS961.78
PEG (NY)N/A
PEG (5Y)0.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 16.12% | ||
| ROCE | 6.3% | ||
| ROIC | 5.1% | ||
| ROICexc | 5.25% | ||
| ROICexgc | 7.99% | ||
| OM | 14.77% | ||
| PM (TTM) | 10.03% | ||
| GM | N/A | ||
| FCFM | 9.27% |
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-Score6
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.28 | ||
| Debt/EBITDA | 1.82 | ||
| Cap/Depr | 54.23% | ||
| Cap/Sales | 1.06% | ||
| Interest Coverage | 10.09 | ||
| Cash Conversion | 61.77% | ||
| Profit Quality | 92.4% | ||
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 | ||
| Altman-Z | N/A |
F-Score6
WACC4.34%
ROIC/WACC1.17
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 Y-2.62%
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
EPS Next 5Y-5.8%
Revenue 1Y (TTM)8.81%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%13.49%
Revenue Next Year7.45%
Revenue Next 2Y8.3%
Revenue Next 3Y18.16%
Revenue Next 5Y12.47%
EBIT growth 1Y5.52%
EBIT growth 3Y37.56%
EBIT growth 5Y32.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y747.72%
FCF growth 3Y-17.08%
FCF growth 5Y28.19%
OCF growth 1Y10236.8%
OCF growth 3Y-15.59%
OCF growth 5Y24.13%