FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) Stock Fundamental Analysis
Canada - TSX:FFH-PR-K - CA3039018211
25.525 CAD
-0.03 (-0.1%)
Overall FFH-PR-K gets a fundamental rating of 5 out of 10. We evaluated FFH-PR-K against 80 industry peers in the Insurance industry. FFH-PR-K has an excellent profitability rating, but there are concerns on its financial health. FFH-PR-K scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year FFH-PR-K was profitable.
In the past year FFH-PR-K had a positive cash flow from operations.
Each year in the past 5 years FFH-PR-K has been profitable.
The reported operating cash flow has been mixed in the past 5 years: FFH-PR-K reported negative operating cash flow in multiple years.
1.2 Ratios
FFH-PR-K has a better Return On Assets (4.41%) than 85.00% of its industry peers.
Looking at the Return On Equity, with a value of 17.74%, FFH-PR-K belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
The Return On Invested Capital of FFH-PR-K (5.36%) is better than 82.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FFH-PR-K is above the industry average of 2.46%.
The last Return On Invested Capital (5.36%) for FFH-PR-K is above the 3 year average (4.77%), which is a sign of increasing profitability.
| 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's Profit Margin of 11.07% is fine compared to the rest of the industry. FFH-PR-K outperforms 67.50% of its industry peers.
FFH-PR-K's Profit Margin has been stable in the last couple of years.
FFH-PR-K's Operating Margin of 15.63% is in line compared to the rest of the industry. FFH-PR-K outperforms 53.75% 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
FFH-PR-K has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, FFH-PR-K has less shares outstanding
Compared to 5 years ago, FFH-PR-K has less shares outstanding
FFH-PR-K has a worse debt/assets ratio than last year.
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.
With a Debt to FCF ratio value of 3.94, FFH-PR-K is not doing good in the industry: 67.50% of the companies in the same industry are doing better.
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's Debt to Equity ratio of 0.51 is on the low side compared to the rest of the industry. FFH-PR-K is outperformed by 66.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 3.94 | ||
| Altman-Z | N/A |
ROIC/WACC1.22
WACC4.38%
2.3 Liquidity
A Current Ratio of 0.52 indicates that FFH-PR-K may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.52, FFH-PR-K belongs to the top of the industry, outperforming 83.75% 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.
FFH-PR-K has a Quick ratio of 0.52. This is amongst the best in the industry. FFH-PR-K outperforms 83.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 |
3. Growth
3.1 Past
FFH-PR-K 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-K 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-K shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
The Revenue has been growing by 13.88% on average over the past years. This is quite good.
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%-7.31%
3.2 Future
FFH-PR-K is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.91% yearly.
FFH-PR-K is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.52% yearly.
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
A Price/Earnings ratio of 0.09 indicates a rather cheap valuation of FFH-PR-K.
Compared to the rest of the industry, the Price/Earnings ratio of FFH-PR-K indicates a rather cheap valuation: FFH-PR-K is cheaper than 97.50% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FFH-PR-K to the average of the S&P500 Index (25.89), we can say FFH-PR-K is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 0.11, the valuation of FFH-PR-K can be described as very cheap.
Based on the Price/Forward Earnings ratio, FFH-PR-K is valued cheaply inside the industry as 97.50% of the companies are valued more expensively.
FFH-PR-K is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| 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-K indicates a rather cheap valuation: FFH-PR-K is cheaper than 95.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, FFH-PR-K is valued a bit cheaper than 77.50% 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.
The decent profitability rating of FFH-PR-K 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 0.96%, FFH-PR-K is not a good candidate for dividend investing.
With a Dividend Yield of 0.96, FFH-PR-K pays less dividend than the industry average, which is at 4.58. 93.75% of the companies listed in the same industry pay a better dividend than FFH-PR-K!
With a Dividend Yield of 0.96, FFH-PR-K pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.96% |
5.2 History
On average, the dividend of FFH-PR-K grows each year by 16.82%, which is quite nice.
FFH-PR-K has paid a dividend for at least 10 years, which is 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
FFH-PR-K pays out 18.53% of its income as dividend. This is a sustainable payout ratio.
DP18.53%
EPS Next 2Y1.66%
EPS Next 3Y2.88%
FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP
TSX:FFH-PR-K (11/14/2025, 7:00:00 PM)
25.525
-0.03 (-0.1%)
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 Cap613.37M
Revenue(TTM)41.58B
Net Income(TTM)4.57B
Analysts80
Price Target34.29 (34.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.96% |
Yearly Dividend35.48
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)12.37%
PT rev (3m)10.7%
EPS NQ rev (1m)11.67%
EPS NQ rev (3m)19.18%
EPS NY rev (1m)0.78%
EPS NY rev (3m)23.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)21.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.09 | ||
| Fwd PE | 0.11 | ||
| 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)289.9
EY1135.75%
EPS(NY)233.36
Fwd EY914.24%
FCF(TTM)195.86
FCFY767.33%
OCF(TTM)221.32
OCFY867.08%
SpS2407.75
BVpS1503.54
TBVpS1011.95
PEG (NY)0
PEG (5Y)0
Graham Number3131.65
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
WACC4.38%
ROIC/WACC1.22
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%-7.31%
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 5.045 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 7 / 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 19.99% 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%.