FAIRFAX FINANCIAL HLDGS LTD (FFH-U.CA) Fundamental Analysis & Valuation

TSX:FFH-U • CA3039011026

Current stock price

1718.83 USD
+51.91 (+3.11%)
Last:

This FFH-U.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. FFH-U.CA Profitability Analysis

1.1 Basic Checks

  • FFH-U had positive earnings in the past year.
  • In the past year FFH-U had a positive cash flow from operations.
  • Each year in the past 5 years FFH-U has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: FFH-U reported negative operating cash flow in multiple years.
FFH-U.CA Yearly Net Income VS EBIT VS OCF VS FCFFFH-U.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B 6B

1.2 Ratios

  • With an excellent Return On Assets value of 4.58%, FFH-U belongs to the best of the industry, outperforming 86.08% of the companies in the same industry.
  • FFH-U has a Return On Equity of 18.61%. This is amongst the best in the industry. FFH-U outperforms 97.47% of its industry peers.
  • With an excellent Return On Invested Capital value of 5.45%, FFH-U belongs to the best of the industry, outperforming 83.54% of the companies in the same industry.
  • FFH-U had an Average Return On Invested Capital over the past 3 years of 4.98%. This is in line with the industry average of 3.22%.
  • The last Return On Invested Capital (5.45%) for FFH-U is above the 3 year average (4.98%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.58%
ROE 18.61%
ROIC 5.45%
ROA(3y)4.43%
ROA(5y)4.28%
ROE(3y)17.87%
ROE(5y)18.3%
ROIC(3y)4.98%
ROIC(5y)4.25%
FFH-U.CA Yearly ROA, ROE, ROICFFH-U.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15 20

1.3 Margins

  • FFH-U has a Profit Margin of 11.38%. This is in the better half of the industry: FFH-U outperforms 67.09% of its industry peers.
  • FFH-U's Profit Margin has improved in the last couple of years.
  • FFH-U's Operating Margin of 16.21% is in line compared to the rest of the industry. FFH-U outperforms 53.16% of its industry peers.
  • In the last couple of years the Operating Margin of FFH-U has grown nicely.
Industry RankSector Rank
OM 16.21%
PM (TTM) 11.38%
GM N/A
OM growth 3Y6.59%
OM growth 5Y71.42%
PM growth 3Y2.26%
PM growth 5Y66.15%
GM growth 3YN/A
GM growth 5YN/A
FFH-U.CA Yearly Profit, Operating, Gross MarginsFFH-U.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15

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3

2. FFH-U.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FFH-U is destroying value.
  • Compared to 1 year ago, FFH-U has less shares outstanding
  • The number of shares outstanding for FFH-U has been reduced compared to 5 years ago.
  • FFH-U has a worse debt/assets ratio than last year.
FFH-U.CA Yearly Shares OutstandingFFH-U.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
FFH-U.CA Yearly Total Debt VS Total AssetsFFH-U.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • FFH-U has a debt to FCF ratio of 7.44. This is a slightly negative value and a sign of low solvency as FFH-U would need 7.44 years to pay back of all of its debts.
  • FFH-U's Debt to FCF ratio of 7.44 is on the low side compared to the rest of the industry. FFH-U is outperformed by 78.48% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that FFH-U is somewhat dependend on debt financing.
  • FFH-U's Debt to Equity ratio of 0.51 is on the low side compared to the rest of the industry. FFH-U is outperformed by 68.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 7.44
Altman-Z N/A
ROIC/WACC0.78
WACC7%
FFH-U.CA Yearly LT Debt VS Equity VS FCFFFH-U.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B

2.3 Liquidity

  • A Current Ratio of 0.41 indicates that FFH-U may have some problems paying its short term obligations.
  • FFH-U has a Current ratio of 0.41. This is amongst the best in the industry. FFH-U outperforms 86.08% of its industry peers.
  • A Quick Ratio of 0.41 indicates that FFH-U may have some problems paying its short term obligations.
  • FFH-U has a better Quick ratio (0.41) than 86.08% of its industry peers.
Industry RankSector Rank
Current Ratio 0.41
Quick Ratio 0.41
FFH-U.CA Yearly Current Assets VS Current LiabilitesFFH-U.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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6

3. FFH-U.CA Growth Analysis

3.1 Past

  • FFH-U shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.84%, which is quite impressive.
  • Measured over the past years, FFH-U shows a very strong growth in Earnings Per Share. The EPS has been growing by 190.73% on average per year.
  • The Revenue has grown by 11.99% in the past year. This is quite good.
  • Measured over the past years, FFH-U shows a quite strong growth in Revenue. The Revenue has been growing by 17.45% on average per year.
EPS 1Y (TTM)32.84%
EPS 3Y26.08%
EPS 5Y190.73%
EPS Q2Q%14.18%
Revenue 1Y (TTM)11.99%
Revenue growth 3Y11.5%
Revenue growth 5Y17.45%
Sales Q2Q%-23.8%

3.2 Future

  • The Earnings Per Share is expected to decrease by -11.05% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 10.25% on average over the next years. This is quite good.
EPS Next Y-11.97%
EPS Next 2Y-3.63%
EPS Next 3Y-5.95%
EPS Next 5Y-11.05%
Revenue Next Year11.47%
Revenue Next 2Y8.02%
Revenue Next 3Y13.09%
Revenue Next 5Y10.25%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
FFH-U.CA Yearly Revenue VS EstimatesFFH-U.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
FFH-U.CA Yearly EPS VS EstimatesFFH-U.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 50 100 150 200

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5

4. FFH-U.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • FFH-U is valuated cheaply with a Price/Earnings ratio of 5.88.
  • Compared to the rest of the industry, the Price/Earnings ratio of FFH-U is on the same level as its industry peers.
  • FFH-U is valuated cheaply when we compare the Price/Earnings ratio to 27.89, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 6.68, the valuation of FFH-U can be described as very cheap.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FFH-U.
  • FFH-U's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.50.
Industry RankSector Rank
PE 5.88
Fwd PE 6.68
FFH-U.CA Price Earnings VS Forward Price EarningsFFH-U.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FFH-U is valued a bit cheaper than 70.89% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, FFH-U is valued a bit more expensive than 69.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.81
EV/EBITDA 5.15
FFH-U.CA Per share dataFFH-U.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K 2K 2.5K

4.3 Compensation for Growth

  • FFH-U has a very decent profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as FFH-U's earnings are expected to decrease with -5.95% in the coming years.
PEG (NY)N/A
PEG (5Y)0.03
EPS Next 2Y-3.63%
EPS Next 3Y-5.95%

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4

5. FFH-U.CA Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.90%, FFH-U is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.61, FFH-U's dividend is way lower than its industry peers. On top of this 94.94% of the companies listed in the same industry pay a better dividend than FFH-U!
  • With a Dividend Yield of 0.90, FFH-U pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.9%

5.2 History

  • On average, the dividend of FFH-U grows each year by 32.56%, which is quite nice.
  • FFH-U has been paying a dividend for over 5 years, so it has already some track record.
  • FFH-U has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)32.56%
Div Incr Years0
Div Non Decr Years7
FFH-U.CA Yearly Dividends per shareFFH-U.CA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 5 10

5.3 Sustainability

  • FFH-U pays out 21.43% of its income as dividend. This is a sustainable payout ratio.
DP21.43%
EPS Next 2Y-3.63%
EPS Next 3Y-5.95%
FFH-U.CA Yearly Income VS Free CF VS DividendFFH-U.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B 6B
FFH-U.CA Dividend Payout.FFH-U.CA Dividend Payout, showing the Payout Ratio.FFH-U.CA Dividend Payout.PayoutRetained Earnings

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FFH-U.CA Fundamentals: All Metrics, Ratios and Statistics

FAIRFAX FINANCIAL HLDGS LTD

TSX:FFH-U (4/6/2026, 7:00:00 PM)

1718.83

+51.91 (+3.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)04-23
Inst Owners33.19%
Inst Owner ChangeN/A
Ins Owners2.48%
Ins Owner ChangeN/A
Market Cap39.64B
Revenue(TTM)43.35B
Net Income(TTM)4.93B
Analysts76.36
Price Target2107.06 (22.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.9%
Yearly Dividend65.54
Dividend Growth(5Y)32.56%
DP21.43%
Div Incr Years0
Div Non Decr Years7
Ex-Date01-15
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.94%
Min EPS beat(2)4.82%
Max EPS beat(2)19.07%
EPS beat(4)4
Avg EPS beat(4)19.4%
Min EPS beat(4)4.82%
Max EPS beat(4)38.68%
EPS beat(8)7
Avg EPS beat(8)15.18%
EPS beat(12)10
Avg EPS beat(12)14.89%
EPS beat(16)14
Avg EPS beat(16)105.99%
Revenue beat(2)0
Avg Revenue beat(2)-8.71%
Min Revenue beat(2)-10.9%
Max Revenue beat(2)-6.52%
Revenue beat(4)1
Avg Revenue beat(4)-5.17%
Min Revenue beat(4)-10.9%
Max Revenue beat(4)0.76%
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)34.62%
PT rev (3m)34.62%
EPS NQ rev (1m)-7.16%
EPS NQ rev (3m)6.14%
EPS NY rev (1m)-3.26%
EPS NY rev (3m)13.14%
Revenue NQ rev (1m)2.57%
Revenue NQ rev (3m)-1.6%
Revenue NY rev (1m)25.9%
Revenue NY rev (3m)-0.96%
Valuation
Industry RankSector Rank
PE 5.88
Fwd PE 6.68
P/S 0.67
P/FCF 15.81
P/OCF 11.98
P/B 1.09
P/tB 1.6
EV/EBITDA 5.15
EPS(TTM)292.47
EY17.02%
EPS(NY)257.47
Fwd EY14.98%
FCF(TTM)108.69
FCFY6.32%
OCF(TTM)143.45
OCFY8.35%
SpS2570.06
BVpS1572.02
TBVpS1077.58
PEG (NY)N/A
PEG (5Y)0.03
Graham Number3216.33 (87.12%)
Profitability
Industry RankSector Rank
ROA 4.58%
ROE 18.61%
ROCE 6.91%
ROIC 5.45%
ROICexc 5.58%
ROICexgc 8.1%
OM 16.21%
PM (TTM) 11.38%
GM N/A
FCFM 4.23%
ROA(3y)4.43%
ROA(5y)4.28%
ROE(3y)17.87%
ROE(5y)18.3%
ROIC(3y)4.98%
ROIC(5y)4.25%
ROICexc(3y)5.11%
ROICexc(5y)4.4%
ROICexgc(3y)6.88%
ROICexgc(5y)5.96%
ROCE(3y)6.32%
ROCE(5y)5.39%
ROICexgc growth 3Y6.14%
ROICexgc growth 5Y83.66%
ROICexc growth 3Y6.42%
ROICexc growth 5Y86.2%
OM growth 3Y6.59%
OM growth 5Y71.42%
PM growth 3Y2.26%
PM growth 5Y66.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 7.44
Debt/EBITDA 1.75
Cap/Depr 74.79%
Cap/Sales 1.35%
Interest Coverage 9.37
Cash Conversion 30.97%
Profit Quality 37.15%
Current Ratio 0.41
Quick Ratio 0.41
Altman-Z N/A
F-Score7
WACC7%
ROIC/WACC0.78
Cap/Depr(3y)62.13%
Cap/Depr(5y)57.26%
Cap/Sales(3y)1.28%
Cap/Sales(5y)1.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)32.84%
EPS 3Y26.08%
EPS 5Y190.73%
EPS Q2Q%14.18%
EPS Next Y-11.97%
EPS Next 2Y-3.63%
EPS Next 3Y-5.95%
EPS Next 5Y-11.05%
Revenue 1Y (TTM)11.99%
Revenue growth 3Y11.5%
Revenue growth 5Y17.45%
Sales Q2Q%-23.8%
Revenue Next Year11.47%
Revenue Next 2Y8.02%
Revenue Next 3Y13.09%
Revenue Next 5Y10.25%
EBIT growth 1Y23.05%
EBIT growth 3Y18.84%
EBIT growth 5Y101.33%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-48.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-39.42%
OCF growth 3YN/A
OCF growth 5Y76.86%

FAIRFAX FINANCIAL HLDGS LTD / FFH-U.CA Fundamental Analysis FAQ

What is the fundamental rating for FFH-U stock?

ChartMill assigns a fundamental rating of 4 / 10 to FFH-U.CA.


Can you provide the valuation status for FAIRFAX FINANCIAL HLDGS LTD?

ChartMill assigns a valuation rating of 4 / 10 to FAIRFAX FINANCIAL HLDGS LTD (FFH-U.CA). This can be considered as Fairly Valued.


What is the profitability of FFH-U stock?

FAIRFAX FINANCIAL HLDGS LTD (FFH-U.CA) has a profitability rating of 6 / 10.


What are the PE and PB ratios of FAIRFAX FINANCIAL HLDGS LTD (FFH-U.CA) stock?

The Price/Earnings (PE) ratio for FAIRFAX FINANCIAL HLDGS LTD (FFH-U.CA) is 5.88 and the Price/Book (PB) ratio is 1.09.


Is the dividend of FAIRFAX FINANCIAL HLDGS LTD sustainable?

The dividend rating of FAIRFAX FINANCIAL HLDGS LTD (FFH-U.CA) is 3 / 10 and the dividend payout ratio is 21.43%.