FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FFH-PR-K - CA3039018211
25.69 CAD
+0.1 (+0.39%)
Overall FFH-PR-K gets a fundamental rating of 5 out of 10. We evaluated FFH-PR-K against 82 industry peers in the Insurance industry. There are concerns on the financial health of FFH-PR-K while its profitability can be described as average. FFH-PR-K is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
FFH-PR-K had positive earnings in the past year.
In the past year FFH-PR-K had a positive cash flow from operations.
In the past 5 years FFH-PR-K has always been profitable.
In multiple years FFH-PR-K reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a decent Return On Assets value of 4.41%, FFH-PR-K is doing good in the industry, outperforming 79.27% of the companies in the same industry.
The Return On Equity of FFH-PR-K (17.74%) is better than 97.56% of its industry peers.
The Return On Invested Capital of FFH-PR-K (5.36%) is better than 82.93% of its industry peers.
FFH-PR-K had an Average Return On Invested Capital over the past 3 years of 4.77%. This is above the industry average of 2.47%.
The 3 year average ROIC (4.77%) for FFH-PR-K 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-K has a Profit Margin of 11.07%. This is comparable to the rest of the industry: FFH-PR-K outperforms 50.00% of its industry peers.
In the last couple of years the Profit Margin of FFH-PR-K has remained more or less at the same level.
FFH-PR-K's Operating Margin of 15.63% is on the low side compared to the rest of the industry. FFH-PR-K is outperformed by 63.41% of its industry peers.
FFH-PR-K'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-K is creating some value.
The number of shares outstanding for FFH-PR-K has been reduced compared to 1 year ago.
The number of shares outstanding for FFH-PR-K has been reduced compared to 5 years ago.
Compared to 1 year ago, FFH-PR-K has a worse debt to assets ratio.
2.2 Solvency
FFH-PR-K has a debt to FCF ratio of 3.94. This is a good value and a sign of high solvency as FFH-PR-K would need 3.94 years to pay back of all of its debts.
FFH-PR-K has a worse Debt to FCF ratio (3.94) than 68.29% of its industry peers.
FFH-PR-K has a Debt/Equity ratio of 0.51. This is a neutral value indicating FFH-PR-K is somewhat dependend on debt financing.
FFH-PR-K has a Debt to Equity ratio of 0.51. This is in the lower half of the industry: FFH-PR-K underperforms 67.07% of its industry peers.
| 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-K has a Current Ratio of 0.52. This is a bad value and indicates that FFH-PR-K is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Current ratio value of 0.52, FFH-PR-K belongs to the best of the industry, outperforming 84.15% of the companies in the same industry.
FFH-PR-K has a Quick Ratio of 0.52. This is a bad value and indicates that FFH-PR-K is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 0.52, FFH-PR-K belongs to the best of the industry, outperforming 84.15% 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.
Measured over the past years, FFH-PR-K shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.21% on average per year.
FFH-PR-K shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
FFH-PR-K 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
Based on estimates for the next years, FFH-PR-K will show a decrease in Earnings Per Share. The EPS will decrease by -3.91% on average per year.
The Revenue is expected to grow by 12.52% on average over the next years. This is quite good.
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.
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
A Price/Earnings ratio of 0.09 indicates a rather cheap valuation of FFH-PR-K.
97.56% of the companies in the same industry are more expensive than FFH-PR-K, based on the Price/Earnings ratio.
FFH-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 0.10, the valuation of FFH-PR-K can be described as very cheap.
FFH-PR-K's Price/Forward Earnings ratio is rather cheap when compared to the industry. FFH-PR-K is cheaper than 97.56% of the companies in the same industry.
FFH-PR-K's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.1 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FFH-PR-K is valued cheaper than 95.12% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FFH-PR-K is valued a bit cheaper than 78.05% 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-K's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FFH-PR-K has a very decent profitability rating, which 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-K has a yearly dividend return of 0.91%, which is pretty low.
With a Dividend Yield of 0.91, FFH-PR-K pays less dividend than the industry average, which is at 4.30. 93.90% of the companies listed in the same industry pay a better dividend than FFH-PR-K!
With a Dividend Yield of 0.91, FFH-PR-K pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
5.2 History
The dividend of FFH-PR-K is nicely growing with an annual growth rate of 16.82%!
FFH-PR-K has been paying a dividend for at least 10 years, so it has a reliable track record.
FFH-PR-K has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.82%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
18.53% of the earnings are spent on dividend by FFH-PR-K. This is a low number and sustainable payout ratio.
DP18.53%
EPS Next 2Y9.39%
EPS Next 3Y7.52%
FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP
TSX:FFH-PR-K (12/8/2025, 7:00:00 PM)
25.69
+0.1 (+0.39%)
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 Cap611.17M
Revenue(TTM)41.58B
Net Income(TTM)4.57B
Analysts80
Price Target31.56 (22.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend35.27
Dividend Growth(5Y)16.82%
DP18.53%
Div Incr Years0
Div Non Decr Years4
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)-2.69%
PT rev (3m)1.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)18.33%
EPS NY rev (1m)2.64%
EPS NY rev (3m)8.44%
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 | 0.1 | ||
| P/S | 0.01 | ||
| P/FCF | 0.13 | ||
| P/OCF | 0.12 | ||
| P/B | 0.02 | ||
| P/tB | 0.03 | ||
| EV/EBITDA | 0.78 |
EPS(TTM)288.18
EY1121.76%
EPS(NY)268.59
Fwd EY1045.5%
FCF(TTM)196.66
FCFY765.52%
OCF(TTM)222.23
OCFY865.04%
SpS2417.62
BVpS1509.71
TBVpS1016.09
PEG (NY)0
PEG (5Y)0
Graham Number3128.74
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 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 5.045 PERP / FFH-PR-K.CA FAQ
What is the ChartMill fundamental rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to FFH-PR-K.CA.
Can you provide the valuation status for FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP?
ChartMill assigns a valuation rating of 8 / 10 to FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA). This can be considered as Undervalued.
Can you provide the profitability details for FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP?
FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) has a profitability rating of 6 / 10.
What is the expected EPS growth for FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) stock?
The Earnings per Share (EPS) of FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) is expected to grow by 23.15% in the next year.
How sustainable is the dividend of FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) stock?
The dividend rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) is 4 / 10 and the dividend payout ratio is 18.53%.