FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FFH-PR-J - CA3039018393
25.29 CAD
0 (0%)
FFH-PR-J gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. There are concerns on the financial health of FFH-PR-J while its profitability can be described as average. 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.
FFH-PR-J had a positive operating cash flow in the past year.
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 80.25% of its industry peers.
FFH-PR-J has a better Return On Equity (17.74%) than 98.77% of its industry peers.
FFH-PR-J has a Return On Invested Capital of 5.36%. This is amongst the best in the industry. FFH-PR-J outperforms 82.72% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FFH-PR-J is above the industry average of 2.53%.
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
With a Profit Margin value of 11.07%, FFH-PR-J perfoms like the industry average, outperforming 50.62% of the companies in the same industry.
FFH-PR-J's Profit Margin has been stable in the last couple of years.
FFH-PR-J has a Operating Margin of 15.63%. This is in the lower half of the industry: FFH-PR-J underperforms 61.73% 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FFH-PR-J is creating some value.
FFH-PR-J has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FFH-PR-J has less shares outstanding
The debt/assets ratio for FFH-PR-J is higher compared to a year ago.
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 67.90% 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: 66.67% 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
WACC4.37%
2.3 Liquidity
A Current Ratio of 0.52 indicates that FFH-PR-J may have some problems paying its short term obligations.
The Current ratio of FFH-PR-J (0.52) is better than 86.42% of its industry peers.
A Quick Ratio of 0.52 indicates that FFH-PR-J may have some problems paying its short term obligations.
With an excellent Quick ratio value of 0.52, FFH-PR-J belongs to the best of the industry, outperforming 86.42% 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 26.47% over the past year.
The Earnings Per Share has been growing by 18.21% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.16% in the past year.
Measured over the past years, FFH-PR-J 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
FFH-PR-J is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.91% yearly.
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 Y19.99%
EPS Next 2Y1.66%
EPS Next 3Y2.88%
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-J can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of FFH-PR-J indicates a rather cheap valuation: FFH-PR-J is cheaper than 98.77% of the companies listed in the same industry.
FFH-PR-J is valuated cheaply when we compare the Price/Earnings ratio to 26.41, which is the current average of the S&P500 Index.
FFH-PR-J is valuated cheaply with a Price/Forward Earnings ratio of 0.11.
FFH-PR-J's Price/Forward Earnings ratio is rather cheap when compared to the industry. FFH-PR-J is cheaper than 98.77% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FFH-PR-J to the average of the S&P500 Index (35.40), we can say FFH-PR-J is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.11 |
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 96.30% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, FFH-PR-J is valued a bit cheaper than the industry average as 79.01% of the companies are valued more expensively.
| 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.
FFH-PR-J has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0
PEG (5Y)0
EPS Next 2Y1.66%
EPS Next 3Y2.88%
5. Dividend
5.1 Amount
With a yearly dividend of 0.89%, FFH-PR-J is not a good candidate for dividend investing.
With a Dividend Yield of 0.89, FFH-PR-J pays less dividend than the industry average, which is at 4.32. 92.59% of the companies listed in the same industry pay a better dividend than FFH-PR-J!
With a Dividend Yield of 0.89, FFH-PR-J pays less dividend than the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
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 paid a dividend for at least 10 years, which is 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 2Y1.66%
EPS Next 3Y2.88%
FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP
TSX:FFH-PR-J (12/4/2025, 7:00:00 PM)
25.29
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.53%
Inst Owner ChangeN/A
Ins Owners2.45%
Ins Owner ChangeN/A
Market Cap601.65M
Revenue(TTM)41.58B
Net Income(TTM)4.57B
Analysts80
Price Target32.11 (26.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
Yearly Dividend35.47
Dividend Growth(5Y)16.82%
DP18.53%
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)5.37%
PT rev (3m)4.43%
EPS NQ rev (1m)4.68%
EPS NQ rev (3m)19.18%
EPS NY rev (1m)0.78%
EPS NY rev (3m)5.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.11 | ||
| 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)288.89
EY1142.31%
EPS(NY)232.54
Fwd EY919.51%
FCF(TTM)197.14
FCFY779.53%
OCF(TTM)222.77
OCFY880.87%
SpS2423.53
BVpS1513.39
TBVpS1018.58
PEG (NY)0
PEG (5Y)0
Graham Number3136.42
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
WACC4.37%
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 Y19.99%
EPS Next 2Y1.66%
EPS Next 3Y2.88%
EPS Next 5Y-3.91%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y17.52%
Revenue growth 5Y13.88%
Sales Q2Q%-28.01%
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 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.
Can you provide the valuation status for FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP?
ChartMill assigns a valuation rating of 8 / 10 to FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA). This can be considered as Undervalued.
How profitable is FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) stock?
FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) has a profitability rating of 6 / 10.
How financially healthy is FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP?
The financial health rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.02 PERP (FFH-PR-J.CA) is 3 / 10.
Can you provide the dividend sustainability for FFH-PR-J stock?
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%.