FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP (FFH-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FFH-PR-I - CA3039018476
25.17 CAD
-0.01 (-0.04%)
Taking everything into account, FFH-PR-I scores 5 out of 10 in our fundamental rating. FFH-PR-I was compared to 82 industry peers in the Insurance industry. FFH-PR-I has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on FFH-PR-I.
1. Profitability
1.1 Basic Checks
In the past year FFH-PR-I was profitable.
In the past year FFH-PR-I had a positive cash flow from operations.
In the past 5 years FFH-PR-I has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: FFH-PR-I reported negative operating cash flow in multiple years.
1.2 Ratios
FFH-PR-I's Return On Assets of 4.41% is amongst the best of the industry. FFH-PR-I outperforms 81.71% of its industry peers.
FFH-PR-I has a Return On Equity of 17.74%. This is amongst the best in the industry. FFH-PR-I outperforms 100.00% of its industry peers.
With an excellent Return On Invested Capital value of 5.36%, FFH-PR-I belongs to the best of the industry, outperforming 85.37% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FFH-PR-I is above the industry average of 2.47%.
The last Return On Invested Capital (5.36%) for FFH-PR-I is above the 3 year average (4.77%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
FFH-PR-I has a Profit Margin of 11.07%. This is comparable to the rest of the industry: FFH-PR-I outperforms 52.44% of its industry peers.
In the last couple of years the Profit Margin of FFH-PR-I has remained more or less at the same level.
With a Operating Margin value of 15.63%, FFH-PR-I is not doing good in the industry: 60.98% of the companies in the same industry are doing better.
FFH-PR-I'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 5Y16.16%
PM growth 3Y-10.7%
PM growth 5Y0.68%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FFH-PR-I is creating some value.
FFH-PR-I has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FFH-PR-I has been reduced compared to 5 years ago.
FFH-PR-I has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FFH-PR-I is 3.94, which is a good value as it means it would take FFH-PR-I, 3.94 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.94, FFH-PR-I is not doing good in the industry: 65.85% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.51 indicates that FFH-PR-I is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.51, FFH-PR-I is not doing good in the industry: 64.63% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 3.94 | ||
| Altman-Z | N/A |
ROIC/WACC1.23
WACC4.36%
2.3 Liquidity
A Current Ratio of 0.52 indicates that FFH-PR-I may have some problems paying its short term obligations.
FFH-PR-I's Current ratio of 0.52 is amongst the best of the industry. FFH-PR-I outperforms 86.59% of its industry peers.
FFH-PR-I has a Quick Ratio of 0.52. This is a bad value and indicates that FFH-PR-I 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-I belongs to the best of the industry, outperforming 86.59% 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-I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.47%, which is quite impressive.
Measured over the past years, FFH-PR-I shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.21% on average per year.
The Revenue has been growing slightly by 7.16% in the past year.
Measured over the past years, FFH-PR-I shows a quite strong growth in Revenue. The Revenue has been growing by 13.88% on average per year.
EPS 1Y (TTM)26.47%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%22.1%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%-28.01%
3.2 Future
The Earnings Per Share is expected to decrease by -3.91% on average over the next years.
FFH-PR-I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.52% yearly.
EPS Next Y23.15%
EPS Next 2Y9.39%
EPS Next 3Y7.52%
EPS Next 5Y-3.91%
Revenue Next Year4.39%
Revenue Next 2Y3.96%
Revenue Next 3Y3.7%
Revenue Next 5Y12.52%
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
FFH-PR-I is valuated cheaply with a Price/Earnings ratio of 0.09.
100.00% of the companies in the same industry are more expensive than FFH-PR-I, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.28, FFH-PR-I is valued rather cheaply.
The Price/Forward Earnings ratio is 0.09, which indicates a rather cheap valuation of FFH-PR-I.
Based on the Price/Forward Earnings ratio, FFH-PR-I is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, FFH-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.09 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FFH-PR-I is valued cheaper than 97.56% of the companies in the same industry.
FFH-PR-I's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FFH-PR-I is cheaper than 80.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.13 | ||
| EV/EBITDA | 0.78 |
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-I may justify a higher PE ratio.
PEG (NY)0
PEG (5Y)0
EPS Next 2Y9.39%
EPS Next 3Y7.52%
5. Dividend
5.1 Amount
FFH-PR-I has a yearly dividend return of 0.91%, which is pretty low.
With a Dividend Yield of 0.91, FFH-PR-I pays less dividend than the industry average, which is at 4.30. 91.46% of the companies listed in the same industry pay a better dividend than FFH-PR-I!
With a Dividend Yield of 0.91, FFH-PR-I pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
5.2 History
On average, the dividend of FFH-PR-I grows each year by 16.82%, which is quite nice.
FFH-PR-I has been paying a dividend for at least 10 years, so it has a reliable track record.
FFH-PR-I has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.82%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
18.53% of the earnings are spent on dividend by FFH-PR-I. This is a low number and sustainable payout ratio.
DP18.53%
EPS Next 2Y9.39%
EPS Next 3Y7.52%
FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP
TSX:FFH-PR-I (12/9/2025, 7:00:00 PM)
25.17
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.07%
Inst Owner ChangeN/A
Ins Owners2.47%
Ins Owner ChangeN/A
Market Cap598.79M
Revenue(TTM)41.58B
Net Income(TTM)4.57B
Analysts80
Price Target31.02 (23.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend35.27
Dividend Growth(5Y)16.82%
DP18.53%
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)-2.44%
PT rev (3m)0.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)18.33%
EPS NY rev (1m)2.64%
EPS NY rev (3m)8.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-19.76%
Revenue NY rev (3m)-19.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.09 | ||
| 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)286.32
EY1137.54%
EPS(NY)266.85
Fwd EY1060.21%
FCF(TTM)195.39
FCFY776.29%
OCF(TTM)220.79
OCFY877.21%
SpS2401.99
BVpS1499.95
TBVpS1009.53
PEG (NY)0
PEG (5Y)0
Graham Number3108.53
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC4.36%
ROIC/WACC1.23
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)26.47%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%22.1%
EPS Next Y23.15%
EPS Next 2Y9.39%
EPS Next 3Y7.52%
EPS Next 5Y-3.91%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%-28.01%
Revenue Next Year4.39%
Revenue Next 2Y3.96%
Revenue Next 3Y3.7%
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 3.327 PERP / FFH-PR-I.CA FAQ
What is the fundamental rating for FFH-PR-I stock?
ChartMill assigns a fundamental rating of 5 / 10 to FFH-PR-I.CA.
What is the valuation status for FFH-PR-I stock?
ChartMill assigns a valuation rating of 9 / 10 to FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP (FFH-PR-I.CA). This can be considered as Undervalued.
Can you provide the profitability details for FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP?
FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP (FFH-PR-I.CA) has a profitability rating of 6 / 10.
What is the valuation of FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP (FFH-PR-I.CA) is 0.09 and the Price/Book (PB) ratio is 0.02.
What is the financial health of FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP (FFH-PR-I.CA) stock?
The financial health rating of FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP (FFH-PR-I.CA) is 3 / 10.