FAIRFAX FINANCIAL HLDGS LTD (FFH.CA) Fundamental Analysis & Valuation
TSX:FFH • CA3039011026
Current stock price
2336.96 CAD
-7.9 (-0.34%)
Last:
This FFH.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. FFH.CA Profitability Analysis
1.1 Basic Checks
- In the past year FFH was profitable.
- In the past 5 years FFH has always been profitable.
- In multiple years FFH reported negative operating cash flow during the last 5 years.
1.2 Ratios
- FFH's Return On Assets of 4.61% is amongst the best of the industry. FFH outperforms 85.90% of its industry peers.
- FFH has a Return On Equity of 18.52%. This is amongst the best in the industry. FFH outperforms 97.44% of its industry peers.
- The Return On Invested Capital of FFH (5.87%) is better than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.61% | ||
| ROE | 18.52% | ||
| ROIC | 5.87% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 11.06%, FFH perfoms like the industry average, outperforming 48.72% of the companies in the same industry.
- In the last couple of years the Profit Margin of FFH has grown nicely.
- FFH's Operating Margin of 16.83% is in line compared to the rest of the industry. FFH outperforms 56.41% of its industry peers.
- FFH's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.83% | ||
| PM (TTM) | 11.06% | ||
| GM | N/A |
OM growth 3Y7.93%
OM growth 5Y72.71%
PM growth 3Y1.29%
PM growth 5Y65.2%
GM growth 3YN/A
GM growth 5YN/A
2. FFH.CA Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FFH is destroying value.
- FFH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- FFH has a Debt/Equity ratio of 0.51. This is a neutral value indicating FFH is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.51, FFH is not doing good in the industry: 67.95% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.82
WACC7.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. FFH.CA Growth Analysis
3.1 Past
- FFH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.84%, which is quite impressive.
- The Earnings Per Share has been growing by 190.73% on average over the past years. This is a very strong growth
- The Revenue has grown by 11.46% in the past year. This is quite good.
- The Revenue has been growing by 17.34% on average over the past years. This is quite good.
EPS 1Y (TTM)32.84%
EPS 3Y26.08%
EPS 5Y190.73%
EPS Q2Q%14.18%
Revenue 1Y (TTM)11.46%
Revenue growth 3Y11.32%
Revenue growth 5Y17.34%
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
- FFH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.25% yearly.
EPS Next Y-13.46%
EPS Next 2Y-7.18%
EPS Next 3Y-22.97%
EPS Next 5Y-11.05%
Revenue Next Year9.85%
Revenue Next 2Y7.13%
Revenue Next 3Y12.21%
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.
4. FFH.CA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 7.93, the valuation of FFH can be described as very cheap.
- 65.38% of the companies in the same industry are cheaper than FFH, based on the Price/Earnings ratio.
- FFH is valuated cheaply when we compare the Price/Earnings ratio to 25.61, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 9.16, the valuation of FFH can be described as very reasonable.
- 60.26% of the companies in the same industry are cheaper than FFH, based on the Price/Forward Earnings ratio.
- FFH is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 9.16 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FFH's earnings are expected to decrease with -22.97% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.04
EPS Next 2Y-7.18%
EPS Next 3Y-22.97%
5. FFH.CA Dividend Analysis
5.1 Amount
- FFH has a yearly dividend return of 0.91%, which is pretty low.
- With a Dividend Yield of 0.91, FFH pays less dividend than the industry average, which is at 3.76. 94.87% of the companies listed in the same industry pay a better dividend than FFH!
- Compared to an average S&P500 Dividend Yield of 1.89, FFH's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
5.2 History
- The dividend of FFH is nicely growing with an annual growth rate of 16.82%!
- FFH has paid a dividend for at least 10 years, which is a reliable track record.
- FFH has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)16.82%
Div Incr Years1
Div Non Decr Years20
5.3 Sustainability
DP0%
EPS Next 2Y-7.18%
EPS Next 3Y-22.97%
FFH.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:FFH (3/25/2026, 7:00:00 PM)
2336.96
-7.9 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19 2026-02-19/amc
Earnings (Next)04-29 2026-04-29
Inst Owners33.69%
Inst Owner ChangeN/A
Ins Owners2.51%
Ins Owner ChangeN/A
Market Cap54.75B
Revenue(TTM)43.14B
Net Income(TTM)4.77B
Analysts78.18
Price Target2954.76 (26.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend34.71
Dividend Growth(5Y)16.82%
DP0%
Div Incr Years1
Div Non Decr Years20
Ex-Date01-15 2026-01-15 (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)0.58%
PT rev (3m)0.58%
EPS NQ rev (1m)-7.16%
EPS NQ rev (3m)0.73%
EPS NY rev (1m)-4.9%
EPS NY rev (3m)-3.94%
Revenue NQ rev (1m)2.57%
Revenue NQ rev (3m)4.99%
Revenue NY rev (1m)24.07%
Revenue NY rev (3m)24.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 9.16 | ||
| P/S | 0.92 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.54 | ||
| P/tB | 2.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)294.84
EY12.62%
EPS(NY)255.16
Fwd EY10.92%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2537.83
BVpS1515.91
TBVpS1020.27
PEG (NY)N/A
PEG (5Y)0.04
Graham Number3171.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.61% | ||
| ROE | 18.52% | ||
| ROCE | 7.45% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.39% | ||
| ROICexgc | 9.91% | ||
| OM | 16.83% | ||
| PM (TTM) | 11.06% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y7.93%
OM growth 5Y72.71%
PM growth 3Y1.29%
PM growth 5Y65.2%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC7.2%
ROIC/WACC0.82
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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-13.46%
EPS Next 2Y-7.18%
EPS Next 3Y-22.97%
EPS Next 5Y-11.05%
Revenue 1Y (TTM)11.46%
Revenue growth 3Y11.32%
Revenue growth 5Y17.34%
Sales Q2Q%-23.8%
Revenue Next Year9.85%
Revenue Next 2Y7.13%
Revenue Next 3Y12.21%
Revenue Next 5Y10.25%
EBIT growth 1Y27.14%
EBIT growth 3Y20.14%
EBIT growth 5Y102.65%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A
FAIRFAX FINANCIAL HLDGS LTD / FFH.CA Fundamental Analysis FAQ
Can you provide the ChartMill fundamental rating for FAIRFAX FINANCIAL HLDGS LTD?
ChartMill assigns a fundamental rating of 4 / 10 to FFH.CA.
Can you provide the valuation status for FAIRFAX FINANCIAL HLDGS LTD?
ChartMill assigns a valuation rating of 3 / 10 to FAIRFAX FINANCIAL HLDGS LTD (FFH.CA). This can be considered as Overvalued.
How profitable is FAIRFAX FINANCIAL HLDGS LTD (FFH.CA) stock?
FAIRFAX FINANCIAL HLDGS LTD (FFH.CA) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for FFH stock?
The Earnings per Share (EPS) of FAIRFAX FINANCIAL HLDGS LTD (FFH.CA) is expected to decline by -13.46% in the next year.
Is the dividend of FAIRFAX FINANCIAL HLDGS LTD sustainable?
The dividend rating of FAIRFAX FINANCIAL HLDGS LTD (FFH.CA) is 4 / 10 and the dividend payout ratio is 0%.