FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP (FFH-PR-I.CA) Stock Fundamental Analysis
Canada - TSX:FFH-PR-I - CA3039018476
24.78 CAD
+0.01 (+0.04%)
FFH-PR-I gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 77 industry peers in the Insurance industry. While FFH-PR-I has a great profitability rating, there are quite some concerns on its financial health. FFH-PR-I may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
FFH-PR-I had positive earnings in the past year.
FFH-PR-I had a positive operating cash flow in the past year.
Each year in the past 5 years FFH-PR-I has 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
Looking at the Return On Assets, with a value of 4.41%, FFH-PR-I belongs to the top of the industry, outperforming 98.70% of the companies in the same industry.
Looking at the Return On Equity, with a value of 17.74%, FFH-PR-I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
FFH-PR-I has a better Return On Invested Capital (5.36%) than 87.01% of its industry peers.
FFH-PR-I had an Average Return On Invested Capital over the past 3 years of 4.77%. This is above the industry average of 2.33%.
The 3 year average ROIC (4.77%) for FFH-PR-I is below the current ROIC(5.36%), indicating increased profibility in the last year.
| 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 better Profit Margin (11.07%) than 79.22% of its industry peers.
FFH-PR-I's Profit Margin has been stable in the last couple of years.
FFH-PR-I's Operating Margin of 15.63% is in line compared to the rest of the industry. FFH-PR-I outperforms 57.14% of its industry peers.
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.
FFH-PR-I has less shares outstanding than it did 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.
Looking at the Debt to FCF ratio, with a value of 3.94, FFH-PR-I is doing worse than 66.23% of the companies in the same industry.
A Debt/Equity ratio of 0.51 indicates that FFH-PR-I is somewhat dependend on debt financing.
FFH-PR-I has a Debt to Equity ratio of 0.51. This is in the lower half of the industry: FFH-PR-I underperforms 64.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 3.94 | ||
| Altman-Z | N/A |
ROIC/WACC1.22
WACC4.38%
2.3 Liquidity
A Current Ratio of 0.52 indicates that FFH-PR-I may have some problems paying its short term obligations.
The Current ratio of FFH-PR-I (0.52) is better than 89.61% of its industry peers.
A Quick Ratio of 0.52 indicates that FFH-PR-I may have some problems paying its short term obligations.
With an excellent Quick ratio value of 0.52, FFH-PR-I belongs to the best of the industry, outperforming 89.61% 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-I shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.21% on average per year.
FFH-PR-I shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.34%.
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
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 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
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
With a Price/Earnings ratio of 0.09, the valuation of FFH-PR-I can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of FFH-PR-I indicates a rather cheap valuation: FFH-PR-I is cheaper than 100.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.41. FFH-PR-I is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 0.10, the valuation of FFH-PR-I can be described as very cheap.
100.00% of the companies in the same industry are more expensive than FFH-PR-I, based on the Price/Forward Earnings ratio.
FFH-PR-I is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.1 |
4.2 Price Multiples
97.40% of the companies in the same industry are more expensive than FFH-PR-I, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, FFH-PR-I is valued cheaper than 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.13 | ||
| EV/EBITDA | 0.78 |
4.3 Compensation for Growth
FFH-PR-I'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-I 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-I has a yearly dividend return of 0.89%, which is pretty low.
Compared to an average industry Dividend Yield of 3.91, FFH-PR-I's dividend is way lower than its industry peers. On top of this 89.61% of the companies listed in the same industry pay a better dividend than FFH-PR-I!
Compared to an average S&P500 Dividend Yield of 2.38, FFH-PR-I's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
5.2 History
On average, the dividend of FFH-PR-I grows each year by 16.96%, which is quite nice.
FFH-PR-I has paid a dividend for at least 10 years, which is a reliable track record.
FFH-PR-I 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
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 2Y4.64%
EPS Next 3Y5.36%
FAIRFAX FINL HLDGS LTD - FFHCN 3.327 PERP
TSX:FFH-PR-I (9/18/2025, 7:00:00 PM)
24.78
+0.01 (+0.04%)
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 Cap595.46M
Analysts78.18
Price Target30.03 (21.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
Yearly Dividend35.05
Dividend Growth(5Y)16.96%
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)-0.88%
PT rev (3m)7.34%
EPS NQ rev (1m)0.72%
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 | 0.11 | ||
| P/B | 0.02 | ||
| P/tB | 0.02 | ||
| EV/EBITDA | 0.78 |
EPS(TTM)271.99
EY1097.62%
EPS(NY)243.02
Fwd EY980.73%
FCF(TTM)192.53
FCFY776.97%
OCF(TTM)217.56
OCFY877.98%
SpS2366.87
BVpS1478.01
TBVpS994.76
PEG (NY)0.01
PEG (5Y)0.01
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%
ROICexcg growth 3Y29.29%
ROICexcg 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
WACC4.38%
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 Y13.57%
EPS Next 2Y4.64%
EPS Next 3Y5.36%
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%