FFH-PR-K Fundamental Analysis - FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP

Fundamental Rating

Taking everything into account, FFH-PR-K scores 5 out of 10 in our fundamental rating. FFH-PR-K was compared to 81 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!

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1. Profitability

1.1 Basic Checks

In the past year FFH-PR-K was profitable.
FFH-PR-K had a positive operating cash flow in the past year.
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

The Return On Assets of FFH-PR-K (4.41%) is better than 81.48% of its industry peers.
FFH-PR-K has a Return On Equity of 17.74%. This is amongst the best in the industry. FFH-PR-K outperforms 100.00% of its industry peers.
FFH-PR-K has a better Return On Invested Capital (5.36%) than 85.19% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FFH-PR-K is in line with the industry average of 2.99%.
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 has a Profit Margin (11.07%) which is in line with 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 has a Operating Margin of 15.63%. This is in the lower half of the industry: FFH-PR-K underperforms 62.96% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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
The number of shares outstanding for FFH-PR-K has been reduced compared to 5 years ago.
The debt/assets ratio for FFH-PR-K is higher compared to a year ago.

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.
Looking at the Debt to FCF ratio, with a value of 3.94, FFH-PR-K is doing worse than 66.67% of the companies in the same industry.
A Debt/Equity ratio of 0.51 indicates that FFH-PR-K is somewhat dependend on debt financing.
FFH-PR-K has a worse Debt to Equity ratio (0.51) than 65.43% 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.
FFH-PR-K has a Current ratio of 0.52. This is amongst the best in the industry. FFH-PR-K outperforms 85.19% of its industry peers.
A Quick Ratio of 0.52 indicates that FFH-PR-K may have some problems paying its short term obligations.
FFH-PR-K has a better Quick ratio (0.52) than 85.19% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.52
Quick Ratio	0.52

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.
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-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%-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.
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 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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 0.09, the valuation of FFH-PR-K can be described as very cheap.
FFH-PR-K's Price/Earnings ratio is rather cheap when compared to the industry. FFH-PR-K is cheaper than 100.00% of the companies in the same industry.
FFH-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
FFH-PR-K is valuated cheaply with a Price/Forward Earnings ratio of 0.10.
Based on the Price/Forward Earnings ratio, FFH-PR-K is valued cheaper than 100.00% of the companies in the same industry.
FFH-PR-K is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.

		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 cheaply inside the industry as 97.53% of the companies are valued more expensively.
98.77% of the companies in the same industry are more expensive than FFH-PR-K, based on the Price/Free Cash Flow ratio.

		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 2Y9.39%

EPS Next 3Y7.52%

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5. Dividend

5.1 Amount

With a yearly dividend of 0.84%, FFH-PR-K is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.60, FFH-PR-K's dividend is way lower than its industry peers. On top of this 93.83% of the companies listed in the same industry pay a better dividend than FFH-PR-K!
With a Dividend Yield of 0.84, FFH-PR-K pays less dividend than the S&P500 average, which is at 1.92.

		Industry Rank	Sector Rank
Dividend Yield	0.84%

5.2 History

The dividend of FFH-PR-K is nicely growing with an annual growth rate of 16.82%!
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 2Y9.39%

EPS Next 3Y7.52%

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FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP

TSX:FFH-PR-K (1/13/2026, 7:00:00 PM)

25.6

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-06 2025-11-06/amc

Earnings (Next)02-11 2026-02-11/amc

Inst Owners34.57%

Inst Owner ChangeN/A

Ins Owners2.5%

Ins Owner ChangeN/A

Market Cap609.02M

Revenue(TTM)41.58B

Net Income(TTM)4.57B

Analysts80

Price Target29.38 (14.77%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.84%

Yearly Dividend35.14

Dividend Growth(5Y)16.82%

DP18.53%

Div Incr Years0

Div Non Decr Years4

Ex-DateN/A

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)-6.92%

PT rev (3m)-3.72%

EPS NQ rev (1m)0%

EPS NQ rev (3m)11.67%

EPS NY rev (1m)0%

EPS NY rev (3m)3.44%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

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)286.93

EY1120.82%

EPS(NY)267.42

Fwd EY1044.62%

FCF(TTM)195.81

FCFY764.88%

OCF(TTM)221.26

OCFY864.31%

SpS2407.12

BVpS1503.15

TBVpS1011.68

PEG (NY)0

PEG (5Y)0

Graham Number3115.16

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.

What is the valuation status for FFH-PR-K stock?

ChartMill assigns a valuation rating of 9 / 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 financial health of FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) stock?

The financial health rating of FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) is 3 / 10.

Can you provide the expected EPS growth for FFH-PR-K 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.

FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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?

What is the valuation status for FFH-PR-K stock?

Can you provide the profitability details for FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP?

What is the financial health of FAIRFAX FINL HLDGS LTD - FFHCN 5.045 PERP (FFH-PR-K.CA) stock?

Can you provide the expected EPS growth for FFH-PR-K stock?