FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP (FFH-PR-H.CA) Stock Fundamental Analysis

TSX:FFH-PR-H • CA3039018542

24.98 CAD
+0.01 (+0.04%)
Last: Sep 25, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to FFH-PR-H. FFH-PR-H was compared to 76 industry peers in the Insurance industry. While FFH-PR-H has a great profitability rating, there are quite some concerns on its financial health. FFH-PR-H is valued quite cheap, while showing a decent growth score. This is a good combination! FFH-PR-H also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year FFH-PR-H was profitable.
  • In the past year FFH-PR-H had a positive cash flow from operations.
  • Each year in the past 5 years FFH-PR-H has been profitable.
  • In multiple years FFH-PR-H reported negative operating cash flow during the last 5 years.
FFH-PR-H.CA Yearly Net Income VS EBIT VS OCF VS FCFFFH-PR-H.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B

1.2 Ratios

  • FFH-PR-H's Return On Assets of 4.41% is amongst the best of the industry. FFH-PR-H outperforms 98.77% of its industry peers.
  • Looking at the Return On Equity, with a value of 17.74%, FFH-PR-H belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Return On Invested Capital of FFH-PR-H (5.36%) is better than 87.65% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FFH-PR-H is in line with the industry average of 2.99%.
  • The 3 year average ROIC (4.77%) for FFH-PR-H is below the current ROIC(5.36%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.41%
ROE 17.74%
ROIC 5.36%
ROA(3y)4.31%
ROA(5y)3.41%
ROE(3y)17.47%
ROE(5y)14.83%
ROIC(3y)4.77%
ROIC(5y)3.33%
FFH-PR-H.CA Yearly ROA, ROE, ROICFFH-PR-H.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.07%, FFH-PR-H belongs to the top of the industry, outperforming 80.25% of the companies in the same industry.
  • FFH-PR-H's Profit Margin has been stable in the last couple of years.
  • FFH-PR-H's Operating Margin of 15.63% is in line compared to the rest of the industry. FFH-PR-H outperforms 58.02% of its industry peers.
  • FFH-PR-H's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 15.63%
PM (TTM) 11.07%
GM N/A
OM growth 3Y17.05%
OM growth 5Y16.16%
PM growth 3Y-10.7%
PM growth 5Y0.68%
GM growth 3YN/A
GM growth 5YN/A
FFH-PR-H.CA Yearly Profit, Operating, Gross MarginsFFH-PR-H.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • FFH-PR-H 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-H has been reduced compared to 1 year ago.
  • FFH-PR-H has less shares outstanding than it did 5 years ago.
  • FFH-PR-H has a worse debt/assets ratio than last year.
FFH-PR-H.CA Yearly Shares OutstandingFFH-PR-H.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
FFH-PR-H.CA Yearly Total Debt VS Total AssetsFFH-PR-H.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

  • The Debt to FCF ratio of FFH-PR-H is 3.94, which is a good value as it means it would take FFH-PR-H, 3.94 years of fcf income to pay off all of its debts.
  • FFH-PR-H has a Debt to FCF ratio of 3.94. This is in the lower half of the industry: FFH-PR-H underperforms 64.20% of its industry peers.
  • FFH-PR-H has a Debt/Equity ratio of 0.51. This is a neutral value indicating FFH-PR-H is somewhat dependend on debt financing.
  • FFH-PR-H has a worse Debt to Equity ratio (0.51) than 62.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 3.94
Altman-Z N/A
ROIC/WACC1.22
WACC4.38%
FFH-PR-H.CA Yearly LT Debt VS Equity VS FCFFFH-PR-H.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

2.3 Liquidity

  • FFH-PR-H has a Current Ratio of 0.52. This is a bad value and indicates that FFH-PR-H is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With an excellent Current ratio value of 0.52, FFH-PR-H belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • A Quick Ratio of 0.52 indicates that FFH-PR-H may have some problems paying its short term obligations.
  • With an excellent Quick ratio value of 0.52, FFH-PR-H belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.52
Quick Ratio 0.52
FFH-PR-H.CA Yearly Current Assets VS Current LiabilitesFFH-PR-H.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

More info and screens

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

6

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-H shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.21% on average per year.
  • Looking at the last year, FFH-PR-H shows a quite strong growth in Revenue. The Revenue has grown by 9.34% in the last year.
  • 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)9.34%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%13.49%

3.2 Future

  • Based on estimates for the next years, FFH-PR-H will show a decrease in Earnings Per Share. The EPS will decrease by -3.91% on average per year.
  • FFH-PR-H is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.52% yearly.
EPS Next Y19.06%
EPS Next 2Y5.51%
EPS Next 3Y6.8%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
FFH-PR-H.CA Yearly Revenue VS EstimatesFFH-PR-H.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
FFH-PR-H.CA Yearly EPS VS EstimatesFFH-PR-H.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 50 100 150

More info and screens

Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.09, the valuation of FFH-PR-H can be described as very cheap.
  • Based on the Price/Earnings ratio, FFH-PR-H is valued cheaper than 100.00% of the companies in the same industry.
  • FFH-PR-H's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
  • With a Price/Forward Earnings ratio of 0.10, the valuation of FFH-PR-H can be described as very cheap.
  • 100.00% of the companies in the same industry are more expensive than FFH-PR-H, based on the Price/Forward Earnings ratio.
  • FFH-PR-H's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.16.
Industry RankSector Rank
PE 0.09
Fwd PE 0.1
FFH-PR-H.CA Price Earnings VS Forward Price EarningsFFH-PR-H.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FFH-PR-H is valued cheaply inside the industry as 97.53% of the companies are valued more expensively.
  • FFH-PR-H's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FFH-PR-H is cheaper than 81.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.13
EV/EBITDA 0.78
FFH-PR-H.CA Per share dataFFH-PR-H.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K 2K

4.3 Compensation for Growth

  • FFH-PR-H's 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-H may justify a higher PE ratio.
PEG (NY)0
PEG (5Y)0
EPS Next 2Y5.51%
EPS Next 3Y6.8%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • FFH-PR-H has a Yearly Dividend Yield of 6.19%, which is a nice return.
  • FFH-PR-H's Dividend Yield is rather good when compared to the industry average which is at 3.93. FFH-PR-H pays more dividend than 100.00% of the companies in the same industry.
  • FFH-PR-H's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 6.19%

5.2 History

  • The dividend of FFH-PR-H is nicely growing with an annual growth rate of 16.82%!
  • FFH-PR-H has paid a dividend for at least 10 years, which is a reliable track record.
  • FFH-PR-H has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.82%
Div Incr Years3
Div Non Decr Years3
FFH-PR-H.CA Yearly Dividends per shareFFH-PR-H.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • FFH-PR-H pays out 18.53% of its income as dividend. This is a sustainable payout ratio.
DP18.53%
EPS Next 2Y5.51%
EPS Next 3Y6.8%
FFH-PR-H.CA Yearly Income VS Free CF VS DividendFFH-PR-H.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B
FFH-PR-H.CA Dividend Payout.FFH-PR-H.CA Dividend Payout, showing the Payout Ratio.FFH-PR-H.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP

TSX:FFH-PR-H (9/25/2025, 7:00:00 PM)

24.98

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-31
Earnings (Next)10-30
Inst Owners39.53%
Inst Owner ChangeN/A
Ins Owners2.45%
Ins Owner ChangeN/A
Market Cap600.27M
Revenue(TTM)41.27B
Net Income(TTM)4.57B
Analysts81.82
Price Target30.39 (21.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.19%
Yearly Dividend35.34
Dividend Growth(5Y)16.82%
DP18.53%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)-1.15%
PT rev (3m)12.86%
EPS NQ rev (1m)5.96%
EPS NQ rev (3m)-4.13%
EPS NY rev (1m)4.83%
EPS NY rev (3m)22.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.54%
Valuation
Industry RankSector Rank
PE 0.09
Fwd PE 0.1
P/S 0.01
P/FCF 0.13
P/OCF 0.11
P/B 0.02
P/tB 0.02
EV/EBITDA 0.78
EPS(TTM)275.61
EY1103.32%
EPS(NY)250.38
Fwd EY1002.32%
FCF(TTM)195.09
FCFY780.99%
OCF(TTM)220.45
OCFY882.52%
SpS2398.3
BVpS1497.64
TBVpS1007.97
PEG (NY)0
PEG (5Y)0
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 4.41%
ROE 17.74%
ROCE 6.62%
ROIC 5.36%
ROICexc 5.83%
ROICexgc 9.04%
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%
ROICexgc growth 3Y29.29%
ROICexgc growth 5Y23.47%
ROICexc growth 3Y31.23%
ROICexc growth 5Y24.09%
OM growth 3Y17.05%
OM growth 5Y16.16%
PM growth 3Y-10.7%
PM growth 5Y0.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 3.94
Debt/EBITDA 1.8
Cap/Depr 48.34%
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-Score6
WACC4.38%
ROIC/WACC1.22
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 Y19.06%
EPS Next 2Y5.51%
EPS Next 3Y6.8%
EPS Next 5Y-3.91%
Revenue 1Y (TTM)9.34%
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 1Y13.64%
EBIT growth 3Y37.56%
EBIT growth 5Y32.28%
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 1Y321.91%
OCF growth 3Y-15.59%
OCF growth 5Y24.13%

FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP / FFH-PR-H.CA FAQ

Can you provide the ChartMill fundamental rating for FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP?

ChartMill assigns a fundamental rating of 6 / 10 to FFH-PR-H.CA.


What is the valuation status for FFH-PR-H stock?

ChartMill assigns a valuation rating of 9 / 10 to FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP (FFH-PR-H.CA). This can be considered as Undervalued.


How profitable is FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP (FFH-PR-H.CA) stock?

FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP (FFH-PR-H.CA) has a profitability rating of 7 / 10.


What is the valuation of FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP (FFH-PR-H.CA) is 0.09 and the Price/Book (PB) ratio is 0.02.


Can you provide the financial health for FFH-PR-H stock?

The financial health rating of FAIRFAX FINL HLDGS LTD - FFHCN 4.98 PERP (FFH-PR-H.CA) is 3 / 10.