FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP (FFH-PR-J.CA) Stock Fundamental Analysis
Canada - TSX:FFH-PR-J - CA3039018393
25 CAD
0 (0%)
FFH-PR-J gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. While FFH-PR-J 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-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.
In the past 5 years FFH-PR-J has always been profitable.
In multiple years FFH-PR-J reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of FFH-PR-J (4.41%) is better than 97.50% of its industry peers.
FFH-PR-J has a Return On Equity of 17.74%. This is amongst the best in the industry. FFH-PR-J outperforms 98.75% of its industry peers.
FFH-PR-J's Return On Invested Capital of 5.36% is amongst the best of the industry. FFH-PR-J outperforms 85.00% 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 2.23%.
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 of 11.07%. This is in the better half of the industry: FFH-PR-J outperforms 78.75% of its industry peers.
FFH-PR-J's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 15.63%, FFH-PR-J is in line with its industry, outperforming 56.25% of the companies in the same industry.
In the last couple of years the Operating Margin of FFH-PR-J has grown nicely.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FFH-PR-J is still creating some value.
The number of shares outstanding for FFH-PR-J has been reduced compared to 1 year ago.
FFH-PR-J has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FFH-PR-J is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FFH-PR-J is 3.94, which is a good value as it means it would take FFH-PR-J, 3.94 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FFH-PR-J (3.94) is worse than 67.50% 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.
Looking at the Debt to Equity ratio, with a value of 0.51, FFH-PR-J is doing worse than 66.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 3.94 | ||
| Altman-Z | N/A |
ROIC/WACC1.23
WACC4.37%
2.3 Liquidity
FFH-PR-J has a Current Ratio of 0.52. This is a bad value and indicates that FFH-PR-J is not financially healthy enough and could expect problems in meeting 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 86.25% of the companies in the same industry.
FFH-PR-J has a Quick Ratio of 0.52. This is a bad value and indicates that FFH-PR-J is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.52, FFH-PR-J belongs to the top of the industry, outperforming 86.25% 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-J shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.21% on average per year.
FFH-PR-J shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.34%.
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)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.
The Revenue is expected to grow by 12.52% on average over the next years. This is quite good.
EPS Next Y19.06%
EPS Next 2Y5.51%
EPS Next 3Y6.8%
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
The Price/Earnings ratio is 0.09, which indicates a rather cheap valuation of FFH-PR-J.
Based on the Price/Earnings ratio, FFH-PR-J is valued cheaper than 98.75% of the companies in the same industry.
FFH-PR-J is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 0.10 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 98.75% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.55. FFH-PR-J is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.1 |
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 96.25% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FFH-PR-J indicates a somewhat cheap valuation: FFH-PR-J is cheaper than 80.00% of the companies listed 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 2Y5.51%
EPS Next 3Y6.8%
5. Dividend
5.1 Amount
FFH-PR-J has a yearly dividend return of 0.95%, which is pretty low.
With a Dividend Yield of 0.95, FFH-PR-J pays less dividend than the industry average, which is at 3.90. 92.50% of the companies listed in the same industry pay a better dividend than FFH-PR-J!
With a Dividend Yield of 0.95, FFH-PR-J pays less dividend than the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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 2Y5.51%
EPS Next 3Y6.8%
FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP
TSX:FFH-PR-J (10/30/2025, 7:00:00 PM)
25
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 Cap600.75M
Revenue(TTM)41.27B
Net Income(TTM)4.57B
Analysts81.82
Price Target31.85 (27.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
Yearly Dividend35.5
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)2.82%
PT rev (3m)14.57%
EPS NQ rev (1m)6.68%
EPS NQ rev (3m)2.95%
EPS NY rev (1m)0%
EPS NY rev (3m)22.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
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)276.83
EY1107.32%
EPS(NY)251.49
Fwd EY1005.95%
FCF(TTM)195.95
FCFY783.82%
OCF(TTM)221.43
OCFY885.72%
SpS2408.91
BVpS1504.26
TBVpS1012.43
PEG (NY)0
PEG (5Y)0
Graham Number3060.98
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)20.98%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%65.71%
EPS Next Y19.06%
EPS Next 2Y5.51%
EPS Next 3Y6.8%
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%
FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP / FFH-PR-J.CA FAQ
What is the ChartMill fundamental rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP (FFH-PR-J.CA) stock?
ChartMill assigns a fundamental rating of 6 / 10 to FFH-PR-J.CA.
Can you provide the valuation status for FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP?
ChartMill assigns a valuation rating of 8 / 10 to FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP (FFH-PR-J.CA). This can be considered as Undervalued.
How profitable is FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP (FFH-PR-J.CA) stock?
FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP (FFH-PR-J.CA) has a profitability rating of 7 / 10.
How financially healthy is FAIRFAX FINL HLDGS LTD - FFHCN 5.09 PERP?
The financial health rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.09 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 5.09 PERP (FFH-PR-J.CA) is 4 / 10 and the dividend payout ratio is 18.53%.