FAIRFAX FINL HLDGS LTD - FFHCN 5.49 PERP (FFH-PR-J.CA) Stock Fundamental Analysis
TSX:FFH-PR-J - Toronto Stock Exchange - CA3039018393 - Currency: CAD
Overall FFH-PR-J gets a fundamental rating of 5 out of 10. We evaluated FFH-PR-J against 82 industry peers in the Insurance industry. FFH-PR-J has a medium profitability rating, but doesn't score so well on its financial health evaluation. FFH-PR-J scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
FFH-PR-J had positive earnings in the past year.
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 (4.01%) is better than 90.24% of its industry peers.
The Return On Equity of FFH-PR-J (16.12%) is better than 91.46% of its industry peers.
FFH-PR-J has a Return On Invested Capital of 5.10%. This is in the better half of the industry: FFH-PR-J outperforms 78.05% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FFH-PR-J is in line with the industry average of 2.83%.
The 3 year average ROIC (4.73%) for FFH-PR-J is below the current ROIC(5.10%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 16.12% | ||
| ROIC | 5.1% |
ROA(3y)4.31%
ROA(5y)3.41%
ROE(3y)17.47%
ROE(5y)14.83%
ROIC(3y)4.73%
ROIC(5y)3.3%
1.3 Margins
Looking at the Profit Margin, with a value of 10.02%, FFH-PR-J is in the better half of the industry, outperforming 60.98% of the companies in the same industry.
In the last couple of years the Profit Margin of FFH-PR-J has remained more or less at the same level.
FFH-PR-J's Operating Margin of 14.76% is on the low side compared to the rest of the industry. FFH-PR-J is outperformed by 90.24% of its industry peers.
FFH-PR-J's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.76% | ||
| PM (TTM) | 10.02% | ||
| GM | N/A |
OM growth 3Y17.07%
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.
The number of shares outstanding for FFH-PR-J has been reduced compared to 1 year ago.
Compared to 5 years ago, FFH-PR-J has less shares outstanding
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 3.28. This is a good value and a sign of high solvency as FFH-PR-J would need 3.28 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.28, FFH-PR-J is doing worse than 64.63% of the companies in the same industry.
FFH-PR-J has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
FFH-PR-J has a Debt to Equity ratio of 0.49. This is in the lower half of the industry: FFH-PR-J underperforms 64.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.28 | ||
| Altman-Z | N/A |
ROIC/WACC1.21
WACC4.21%
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.
FFH-PR-J has a Current ratio of 0.52. This is amongst the best in the industry. FFH-PR-J outperforms 84.15% of its industry peers.
A Quick Ratio of 0.52 indicates that FFH-PR-J may have some problems paying its short term obligations.
FFH-PR-J's Quick ratio of 0.52 is amongst the best of the industry. FFH-PR-J outperforms 84.15% of its industry peers.
| 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 nice 11.74% over the past year.
The Earnings Per Share has been growing by 18.21% on average over the past years. This is quite good.
Looking at the last year, FFH-PR-J shows a quite strong growth in Revenue. The Revenue has grown by 9.22% in the last 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)11.74%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%38.55%
Revenue 1Y (TTM)9.22%
Revenue growth 3Y17.53%
Revenue growth 5Y13.88%
Sales Q2Q%-2.66%
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 -5.80% yearly.
The Revenue is expected to grow by 12.47% on average over the next years. This is quite good.
EPS Next Y-2.62%
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
EPS Next 5Y-5.8%
Revenue Next Year28.73%
Revenue Next 2Y17.18%
Revenue Next 3Y18.16%
Revenue Next 5Y12.47%
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
FFH-PR-J is valuated cheaply with a Price/Earnings ratio of 0.10.
Based on the Price/Earnings ratio, FFH-PR-J is valued cheaply inside the industry as 92.68% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of FFH-PR-J to the average of the S&P500 Index (24.29), we can say FFH-PR-J is valued rather cheaply.
FFH-PR-J is valuated cheaply with a Price/Forward Earnings ratio of 0.10.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FFH-PR-J indicates a rather cheap valuation: FFH-PR-J is cheaper than 96.34% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.42, FFH-PR-J is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.1 | ||
| Fwd PE | 0.1 |
4.2 Price Multiples
FFH-PR-J's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FFH-PR-J is cheaper than 95.12% of the companies 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 78.05% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.12 | ||
| EV/EBITDA | 1.46 |
4.3 Compensation for Growth
FFH-PR-J has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as FFH-PR-J's earnings are expected to decrease with -3.62% in the coming years.
PEG (NY)N/A
PEG (5Y)0.01
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
5. Dividend
5.1 Amount
FFH-PR-J has a Yearly Dividend Yield of 1.00%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.00, FFH-PR-J pays less dividend than the industry average, which is at 4.35. 91.46% 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 2.43, FFH-PR-J's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
5.2 History
On average, the dividend of FFH-PR-J grows each year by 16.96%, 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 decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.96%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
FFH-PR-J pays out 15.09% of its income as dividend. This is a sustainable payout ratio.
DP15.09%
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
FAIRFAX FINL HLDGS LTD - FFHCN 5.49 PERP
TSX:FFH-PR-J (5/6/2025, 7:00:00 PM)
23.99
+0.57 (+2.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners38.23%
Inst Owner ChangeN/A
Ins Owners4.01%
Ins Owner ChangeN/A
Market Cap581.28M
Analysts78.18
Price Target28.7 (19.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
Yearly Dividend34.97
Dividend Growth(5Y)16.96%
DP15.09%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.1%
Min EPS beat(2)23.14%
Max EPS beat(2)29.06%
EPS beat(4)3
Avg EPS beat(4)10.96%
Min EPS beat(4)-25.87%
Max EPS beat(4)29.06%
EPS beat(8)6
Avg EPS beat(8)12.63%
EPS beat(12)10
Avg EPS beat(12)134.85%
EPS beat(16)14
Avg EPS beat(16)129.12%
Revenue beat(2)2
Avg Revenue beat(2)29.57%
Min Revenue beat(2)19.64%
Max Revenue beat(2)39.5%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-2.29%
PT rev (3m)12.7%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)-21.52%
EPS NY rev (1m)0.26%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)-2.03%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)7.58%
Revenue NY rev (3m)17.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.1 | ||
| Fwd PE | 0.1 | ||
| P/S | 0.01 | ||
| P/FCF | 0.12 | ||
| P/OCF | 0.11 | ||
| P/B | 0.02 | ||
| P/tB | 0.03 | ||
| EV/EBITDA | 1.46 |
EPS(TTM)238.64
EY994.75%
EPS(NY)240.48
Fwd EY1002.42%
FCF(TTM)204.19
FCFY851.16%
OCF(TTM)227.48
OCFY948.22%
SpS2204.77
BVpS1370.82
TBVpS899.32
PEG (NY)N/A
PEG (5Y)0.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 16.12% | ||
| ROCE | 6.3% | ||
| ROIC | 5.1% | ||
| ROICexc | 5.26% | ||
| ROICexgc | 7.99% | ||
| OM | 14.76% | ||
| PM (TTM) | 10.02% | ||
| GM | N/A | ||
| FCFM | 9.26% |
ROA(3y)4.31%
ROA(5y)3.41%
ROE(3y)17.47%
ROE(5y)14.83%
ROIC(3y)4.73%
ROIC(5y)3.3%
ROICexc(3y)4.89%
ROICexc(5y)3.43%
ROICexgc(3y)6.61%
ROICexgc(5y)4.68%
ROCE(3y)5.85%
ROCE(5y)4.08%
ROICexcg growth 3Y29.31%
ROICexcg growth 5Y23.47%
ROICexc growth 3Y31.25%
ROICexc growth 5Y24.09%
OM growth 3Y17.07%
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 | 0.49 | ||
| Debt/FCF | 3.28 | ||
| Debt/EBITDA | 1.82 | ||
| Cap/Depr | 54.23% | ||
| Cap/Sales | 1.06% | ||
| Interest Coverage | 10.09 | ||
| Cash Conversion | 61.75% | ||
| Profit Quality | 92.4% | ||
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 | ||
| Altman-Z | N/A |
F-Score6
WACC4.21%
ROIC/WACC1.21
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)11.74%
EPS 3Y9.62%
EPS 5Y18.21%
EPS Q2Q%38.55%
EPS Next Y-2.62%
EPS Next 2Y4.02%
EPS Next 3Y-3.62%
EPS Next 5Y-5.8%
Revenue 1Y (TTM)9.22%
Revenue growth 3Y17.53%
Revenue growth 5Y13.88%
Sales Q2Q%-2.66%
Revenue Next Year28.73%
Revenue Next 2Y17.18%
Revenue Next 3Y18.16%
Revenue Next 5Y12.47%
EBIT growth 1Y5.57%
EBIT growth 3Y37.58%
EBIT growth 5Y32.28%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y747.72%
FCF growth 3Y-17.08%
FCF growth 5Y28.19%
OCF growth 1Y10236.8%
OCF growth 3Y-15.59%
OCF growth 5Y24.13%