NORTH AMERICAN FINANCIAL (FFN.CA) Stock Price, Forecast & Analysis
Canada - TSX:FFN - CA65685J3010
8.18 CAD
+0.06 (+0.74%)
We assign a fundamental rating of 3 out of 10 to FFN. FFN was compared to 0 industry peers in the Unkown industry. Both the profitability and financial health of FFN have multiple concerns. FFN is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FFN was profitable.
FFN had a positive operating cash flow in the past year.
In multiple years FFN reported negative net income over the last 5 years.
In multiple years FFN reported negative operating cash flow during the last 5 years.
1.2 Ratios
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.06% | ||
| ROE | 36.27% | ||
| ROIC | 1.54% |
ROA(3y)4.21%
ROA(5y)0.6%
ROE(3y)3.9%
ROE(5y)-6.83%
ROIC(3y)1.61%
ROIC(5y)1.45%
1.3 Margins
In the last couple of years the Profit Margin of FFN has grown nicely.
FFN's Operating Margin has been stable in the last couple of years.
In the last couple of years the Gross Margin of FFN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.01% | ||
| PM (TTM) | 470.31% | ||
| GM | 77.43% |
OM growth 3Y12.14%
OM growth 5Y1.49%
PM growth 3Y18.74%
PM growth 5Y29.39%
GM growth 3Y3.39%
GM growth 5Y0.13%
2. Health
2.1 Basic Checks
Compared to 1 year ago, FFN has more shares outstanding
Compared to 5 years ago, FFN has more shares outstanding
FFN has a better debt/assets ratio than last year.
2.2 Solvency
FFN has a debt to FCF ratio of 6.17. This is a slightly negative value and a sign of low solvency as FFN would need 6.17 years to pay back of all of its debts.
A Debt/Equity ratio of 1.38 is on the high side and indicates that FFN has dependencies on debt financing.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.38 | ||
| Debt/FCF | 6.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 8.03 indicates that FFN has no problem at all paying its short term obligations.
A Quick Ratio of 8.03 indicates that FFN has no problem at all paying its short term obligations.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.03 | ||
| Quick Ratio | 8.03 |
3. Growth
3.1 Past
The earnings per share for FFN have decreased by -4.03% in the last year.
FFN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.23% yearly.
The Revenue has been growing slightly by 3.86% in the past year.
Measured over the past years, FFN shows a very strong growth in Revenue. The Revenue has been growing by 25.42% on average per year.
EPS 1Y (TTM)-4.03%
EPS 3Y44.9%
EPS 5Y28.23%
EPS Q2Q%-119.3%
Revenue 1Y (TTM)3.86%
Revenue growth 3Y39.89%
Revenue growth 5Y25.42%
Sales Q2Q%12.26%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
FFN is valuated cheaply with a Price/Earnings ratio of 2.97.
The average S&P500 Price/Earnings ratio is at 26.13. FFN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.97 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.11
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 15.19%, FFN is a good candidate for dividend investing.
FFN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.19% |
5.2 History
The dividend of FFN has a limited annual growth rate of 1.84%.
FFN has paid a dividend for at least 10 years, which is a reliable track record.
FFN has decreased its dividend recently.
Dividend Growth(5Y)1.84%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
FFN pays out 83.95% of its income as dividend. This is not a sustainable payout ratio.
FFN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP83.95%
EPS Next 2YN/A
EPS Next 3YN/A
TSX:FFN (11/5/2025, 7:00:00 PM)
8.18
+0.06 (+0.74%)
Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap518.04M
Revenue(TTM)32.20M
Net Income(TTM)151.43M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.19% |
Yearly Dividend1.92
Dividend Growth(5Y)1.84%
DP83.95%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.97 | ||
| Fwd PE | N/A | ||
| P/S | 16.09 | ||
| P/FCF | 5.56 | ||
| P/OCF | 5.56 | ||
| P/B | 1.24 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.75
EY33.62%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.47
FCFY17.98%
OCF(TTM)1.47
OCFY17.98%
SpS0.51
BVpS6.59
TBVpS6.59
PEG (NY)N/A
PEG (5Y)0.11
Graham Number20.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.06% | ||
| ROE | 36.27% | ||
| ROCE | 2.14% | ||
| ROIC | 1.54% | ||
| ROICexc | 1.7% | ||
| ROICexgc | 1.7% | ||
| OM | 66.01% | ||
| PM (TTM) | 470.31% | ||
| GM | 77.43% | ||
| FCFM | 289.36% |
ROA(3y)4.21%
ROA(5y)0.6%
ROE(3y)3.9%
ROE(5y)-6.83%
ROIC(3y)1.61%
ROIC(5y)1.45%
ROICexc(3y)1.79%
ROICexc(5y)1.61%
ROICexgc(3y)1.79%
ROICexgc(5y)1.61%
ROCE(3y)2.24%
ROCE(5y)2.01%
ROICexgc growth 3Y28.3%
ROICexgc growth 5Y0.01%
ROICexc growth 3Y28.3%
ROICexc growth 5Y0.01%
OM growth 3Y12.14%
OM growth 5Y1.49%
PM growth 3Y18.74%
PM growth 5Y29.39%
GM growth 3Y3.39%
GM growth 5Y0.13%
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.38 | ||
| Debt/FCF | 6.17 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 61.52% | ||
| Current Ratio | 8.03 | ||
| Quick Ratio | 8.03 | ||
| Altman-Z | N/A |
F-Score4
WACCN/A
ROIC/WACCN/A
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)-4.03%
EPS 3Y44.9%
EPS 5Y28.23%
EPS Q2Q%-119.3%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.86%
Revenue growth 3Y39.89%
Revenue growth 5Y25.42%
Sales Q2Q%12.26%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1.82%
EBIT growth 3Y56.88%
EBIT growth 5Y27.28%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y154%
FCF growth 3YN/A
FCF growth 5Y11.32%
OCF growth 1Y154%
OCF growth 3YN/A
OCF growth 5Y11.32%
NORTH AMERICAN FINANCIAL / FFN.CA FAQ
What does FFN do?
North American Financial 15 Split Corp is a CA-based company operating in industry. The company is headquartered in Toronto, Ontario. The company went IPO on 2004-10-15. North American Financial 15 Split Corp. invests in a portfolio consisting of 15 financial services companies made up of Canadian and United States issuers. The company offers two types of shares: Class A and Preferred. Its objective for preferred shares is to provide holders of Preferred Shares with cumulative preferential monthly cash dividends to be set by the Board of Directors annually and subject to a minimum of 7.00% and to pay the holders of the Preferred Shares $10 per Preferred Share on or about the termination date. Its objective for Class A Shares is to provide holders of Class A Shares with regular monthly cash distributions in an amount to be determined by the Board of Directors, and to permit holders to participate in all growth in the net asset value of the Company above $10 per Unit, by paying holders on or about the termination date, such amounts as remain in the Company after paying $10 per Preferred Share. Its investment manager is Quadravest Capital Management Inc.
What is the stock price of NORTH AMERICAN FINANCIAL today?
The current stock price of FFN.CA is 8.18 CAD. The price increased by 0.74% in the last trading session.
How is the ChartMill rating for NORTH AMERICAN FINANCIAL?
FFN.CA has a ChartMill Technical rating of 8 out of 10 and a ChartMill Fundamental rating of 3 out of 10.