FAIRFAX FINL HLDGS LTD - FFHCN 5.19 PERP (FFH-PR-H.CA) Stock Fundamental Analysis
TSX:FFH-PR-H - CA3039018542
25.27 CAD
0 (0%)
FFH-PR-H gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. While FFH-PR-H belongs to the best of the industry regarding profitability, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FFH-PR-H. Finally FFH-PR-H also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FFH-PR-H had positive earnings in the past year.
FFH-PR-H had a positive operating cash flow in the past year.
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.
1.2 Ratios
FFH-PR-H has a Return On Assets of 4.72%. This is amongst the best in the industry. FFH-PR-H outperforms 95.00% of its industry peers.
FFH-PR-H has a Return On Equity of 18.99%. This is amongst the best in the industry. FFH-PR-H outperforms 95.00% of its industry peers.
FFH-PR-H has a better Return On Invested Capital (5.75%) than 82.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FFH-PR-H is above the industry average of 2.34%.
The last Return On Invested Capital (5.75%) for FFH-PR-H 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
With a decent Profit Margin value of 11.07%, FFH-PR-H is doing good in the industry, outperforming 75.00% 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 has a Operating Margin of 15.63%. This is comparable to the rest of the industry: FFH-PR-H outperforms 53.75% of its industry peers.
FFH-PR-H'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
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.
FFH-PR-H has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FFH-PR-H has been reduced compared to 5 years ago.
FFH-PR-H has a worse debt/assets ratio than last year.
2.2 Solvency
FFH-PR-H has a debt to FCF ratio of 3.50. This is a good value and a sign of high solvency as FFH-PR-H 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-H is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
FFH-PR-H has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.49, FFH-PR-H is doing worse than 68.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.5 | ||
| Altman-Z | N/A |
ROIC/WACC1.31
WACC4.39%
2.3 Liquidity
A Current Ratio of 0.52 indicates that FFH-PR-H may have some problems paying its short term obligations.
FFH-PR-H's Current ratio of 0.52 is amongst the best of the industry. FFH-PR-H outperforms 83.75% of its industry peers.
A Quick Ratio of 0.52 indicates that FFH-PR-H may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.52, FFH-PR-H belongs to the top of the industry, outperforming 83.75% 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.
FFH-PR-H shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.21% yearly.
The Revenue has grown by 9.89% in the past year. This is quite good.
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
The Earnings Per Share is expected to decrease by -3.91% on average over the next years.
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 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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 0.09 indicates a rather cheap valuation of FFH-PR-H.
FFH-PR-H's Price/Earnings ratio is rather cheap when compared to the industry. FFH-PR-H is cheaper than 95.00% of the companies in the same industry.
FFH-PR-H is valuated cheaply when we compare the Price/Earnings ratio to 27.02, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 0.10, the valuation of FFH-PR-H can be described as very cheap.
Based on the Price/Forward Earnings ratio, FFH-PR-H is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
FFH-PR-H's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.66.
| 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-H is valued cheaply inside the industry as 92.50% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, FFH-PR-H is valued a bit cheaper than 76.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.13 | ||
| EV/EBITDA | 1.29 |
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)0.01
PEG (5Y)0.01
EPS Next 2Y4.64%
EPS Next 3Y5.36%
5. Dividend
5.1 Amount
FFH-PR-H has a Yearly Dividend Yield of 6.38%, which is a nice return.
Compared to an average industry Dividend Yield of 4.81, FFH-PR-H pays a better dividend. On top of this FFH-PR-H pays more dividend than 95.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, FFH-PR-H pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.38% |
5.2 History
On average, the dividend of FFH-PR-H grows each year by 16.96%, which is quite nice.
FFH-PR-H has been paying a dividend for at least 10 years, so it has a reliable track record.
FFH-PR-H has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.96%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
18.52% of the earnings are spent on dividend by FFH-PR-H. This is a low number and sustainable payout ratio.
DP18.52%
EPS Next 2Y4.64%
EPS Next 3Y5.36%
FAIRFAX FINL HLDGS LTD - FFHCN 5.19 PERP
TSX:FFH-PR-H (9/8/2025, 7:00:00 PM)
25.27
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 Cap611.03M
Analysts78.18
Price Target31.3 (23.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.38% |
Yearly Dividend34.92
Dividend Growth(5Y)16.96%
DP18.52%
Div Incr Years3
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)11.94%
PT rev (3m)11.99%
EPS NQ rev (1m)-4.63%
EPS NQ rev (3m)7.5%
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)272.43
EY1078.08%
EPS(NY)243.42
Fwd EY963.26%
FCF(TTM)191.65
FCFY758.43%
OCF(TTM)216.58
OCFY857.06%
SpS2355.97
BVpS1374.06
TBVpS901.45
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%