FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FFH-PR-J - CA3039018393
24.98 CAD
0 (0%)
FFH-PR-J gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 industry peers in the Insurance industry. While FFH-PR-J is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FFH-PR-J.
1. Profitability
1.1 Basic Checks
In the past year FFH-PR-J was profitable.
In the past year FFH-PR-J had a positive cash flow from operations.
FFH-PR-J had positive earnings in each of the past 5 years.
In multiple years FFH-PR-J reported negative operating cash flow during the last 5 years.
1.2 Ratios
FFH-PR-J has a Return On Assets of 4.41%. This is amongst the best in the industry. FFH-PR-J outperforms 81.01% of its industry peers.
Looking at the Return On Equity, with a value of 17.74%, FFH-PR-J belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
FFH-PR-J has a better Return On Invested Capital (5.36%) than 84.81% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FFH-PR-J is in line with the industry average of 3.14%.
The 3 year average ROIC (4.77%) for FFH-PR-J 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-J has a Profit Margin (11.07%) which is comparable to the rest of the industry.
FFH-PR-J's Profit Margin has been stable in the last couple of years.
The Operating Margin of FFH-PR-J (15.63%) is worse than 62.03% of its industry peers.
FFH-PR-J'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
FFH-PR-J 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-J has been reduced compared to 1 year ago.
The number of shares outstanding for FFH-PR-J has been reduced compared to 5 years ago.
Compared to 1 year ago, FFH-PR-J has a worse debt to assets ratio.
2.2 Solvency
FFH-PR-J has a debt to FCF ratio of 3.94. This is a good value and a sign of high solvency as FFH-PR-J would need 3.94 years to pay back of all of its debts.
FFH-PR-J's Debt to FCF ratio of 3.94 is on the low side compared to the rest of the industry. FFH-PR-J is outperformed by 65.82% of its industry peers.
FFH-PR-J has a Debt/Equity ratio of 0.51. This is a neutral value indicating FFH-PR-J is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.51, FFH-PR-J is not doing good in the industry: 64.56% 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-J may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.52, FFH-PR-J belongs to the top of the industry, outperforming 87.34% of the companies in the same industry.
A Quick Ratio of 0.52 indicates that FFH-PR-J may have some problems paying its short term obligations.
FFH-PR-J has a Quick ratio of 0.52. This is amongst the best in the industry. FFH-PR-J outperforms 87.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 |
3. Growth
3.1 Past
FFH-PR-J 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-J 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-J shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
FFH-PR-J shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.88% yearly.
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.
Based on estimates for the next years, FFH-PR-J will show a quite strong growth in Revenue. The Revenue will grow by 12.52% on average per year.
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
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.
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-J is valuated cheaply with a Price/Earnings ratio of 0.09.
Based on the Price/Earnings ratio, FFH-PR-J is valued cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of FFH-PR-J to the average of the S&P500 Index (26.60), we can say FFH-PR-J is valued rather cheaply.
A Price/Forward Earnings ratio of 0.09 indicates a rather cheap valuation of FFH-PR-J.
FFH-PR-J's Price/Forward Earnings ratio is rather cheap when compared to the industry. FFH-PR-J is cheaper than 100.00% of the companies in the same industry.
FFH-PR-J is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.09 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FFH-PR-J indicates a rather cheap valuation: FFH-PR-J is cheaper than 97.47% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, FFH-PR-J is valued cheaper than 98.73% 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-J 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-J has a yearly dividend return of 0.84%, which is pretty low.
With a Dividend Yield of 0.84, FFH-PR-J pays less dividend than the industry average, which is at 4.35. 92.41% of the companies listed in the same industry pay a better dividend than FFH-PR-J!
Compared to an average S&P500 Dividend Yield of 2.00, FFH-PR-J's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.84% |
5.2 History
On average, the dividend of FFH-PR-J grows each year by 16.82%, which is quite nice.
FFH-PR-J has been paying a dividend for at least 10 years, so it has a reliable track record.
FFH-PR-J has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.82%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
18.53% of the earnings are spent on dividend by FFH-PR-J. This is a low number and sustainable payout ratio.
DP18.53%
EPS Next 2Y9.39%
EPS Next 3Y7.52%
FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP
TSX:FFH-PR-J (12/29/2025, 7:00:00 PM)
24.98
0 (0%)
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 Cap594.27M
Revenue(TTM)41.58B
Net Income(TTM)4.57B
Analysts80
Price Target28.88 (15.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.84% |
Yearly Dividend34.63
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)-10.06%
PT rev (3m)-6.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)18.33%
EPS NY rev (1m)2.64%
EPS NY rev (3m)3.44%
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 | 0.03 | ||
| EV/EBITDA | 0.78 |
EPS(TTM)283.11
EY1133.35%
EPS(NY)263.86
Fwd EY1056.29%
FCF(TTM)193.2
FCFY773.42%
OCF(TTM)218.32
OCFY873.97%
SpS2375.06
BVpS1483.12
TBVpS998.2
PEG (NY)0
PEG (5Y)0
Graham Number3073.67
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 5.02 PERP / FFH-PR-J.CA FAQ
What is the ChartMill fundamental rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to FFH-PR-J.CA.
What is the valuation status of FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) stock?
ChartMill assigns a valuation rating of 9 / 10 to FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA). This can be considered as Undervalued.
What is the profitability of FFH-PR-J stock?
FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) has a profitability rating of 6 / 10.
What is the expected EPS growth for FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) stock?
The Earnings per Share (EPS) of FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) is expected to grow by 23.15% in the next year.
Is the dividend of FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP sustainable?
The dividend rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) is 4 / 10 and the dividend payout ratio is 18.53%.