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FAIRFAX INDIA HO-SUB VTG SHS (FIH-U.CA) Stock Fundamental Analysis

TSX:FIH-U - Toronto Stock Exchange - CA3038971022 - Common Stock - Currency: USD

16.73  -0.26 (-1.53%)

Fundamental Rating

2

Taking everything into account, FIH-U scores 2 out of 10 in our fundamental rating. FIH-U was compared to 78 industry peers in the Capital Markets industry. The financial health of FIH-U is average, but there are quite some concerns on its profitability. FIH-U does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FIH-U had positive earnings in the past year.
In the past year FIH-U has reported a negative cash flow from operations.
In multiple years FIH-U reported negative net income over the last 5 years.
Of the past 5 years FIH-U 4 years had a positive operating cash flow.
FIH-U.CA Yearly Net Income VS EBIT VS OCF VS FCFFIH-U.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

FIH-U has a Return On Assets of -1.13%. This is in the lower half of the industry: FIH-U underperforms 76.92% of its industry peers.
The Return On Equity of FIH-U (-1.46%) is worse than 73.08% of its industry peers.
FIH-U has a Return On Invested Capital of 0.52%. This is in the lower half of the industry: FIH-U underperforms 71.79% of its industry peers.
FIH-U had an Average Return On Invested Capital over the past 3 years of 4.54%. This is below the industry average of 8.42%.
The last Return On Invested Capital (0.52%) for FIH-U is well below the 3 year average (4.54%), which needs to be investigated, but indicates that FIH-U had better years and this may not be a problem.
Industry RankSector Rank
ROA -1.13%
ROE -1.46%
ROIC 0.52%
ROA(3y)4.76%
ROA(5y)5.35%
ROE(3y)6.12%
ROE(5y)6.9%
ROIC(3y)4.54%
ROIC(5y)N/A
FIH-U.CA Yearly ROA, ROE, ROICFIH-U.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

With a decent Operating Margin value of 26.20%, FIH-U is doing good in the industry, outperforming 76.92% of the companies in the same industry.
FIH-U's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 34.11%, FIH-U is in the better half of the industry, outperforming 62.82% of the companies in the same industry.
In the last couple of years the Gross Margin of FIH-U has declined.
Industry RankSector Rank
OM 26.2%
PM (TTM) N/A
GM 34.11%
OM growth 3Y-30.17%
OM growth 5Y-20.63%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-24.01%
GM growth 5Y-16.47%
FIH-U.CA Yearly Profit, Operating, Gross MarginsFIH-U.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 200 300

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5

2. Health

2.1 Basic Checks

The number of shares outstanding for FIH-U has been reduced compared to 1 year ago.
FIH-U has less shares outstanding than it did 5 years ago.
FIH-U has a worse debt/assets ratio than last year.
FIH-U.CA Yearly Shares OutstandingFIH-U.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
FIH-U.CA Yearly Total Debt VS Total AssetsFIH-U.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

FIH-U has an Altman-Z score of 2.12. This is not the best score and indicates that FIH-U is in the grey zone with still only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.12, FIH-U is doing good in the industry, outperforming 74.36% of the companies in the same industry.
A Debt/Equity ratio of 0.18 indicates that FIH-U is not too dependend on debt financing.
FIH-U's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. FIH-U outperforms 56.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z 2.12
ROIC/WACCN/A
WACCN/A
FIH-U.CA Yearly LT Debt VS Equity VS FCFFIH-U.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

2.3 Liquidity

FIH-U has a Current Ratio of 2.69. This indicates that FIH-U is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of FIH-U (2.69) is better than 69.23% of its industry peers.
A Quick Ratio of 2.69 indicates that FIH-U has no problem at all paying its short term obligations.
FIH-U has a Quick ratio of 2.69. This is in the better half of the industry: FIH-U outperforms 70.51% of its industry peers.
Industry RankSector Rank
Current Ratio 2.69
Quick Ratio 2.69
FIH-U.CA Yearly Current Assets VS Current LiabilitesFIH-U.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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0

3. Growth

3.1 Past

The earnings per share for FIH-U have decreased strongly by -67.05% in the last year.
FIH-U shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -83.29%.
FIH-U shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -32.48% yearly.
EPS 1Y (TTM)-67.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%27.65%
Revenue 1Y (TTM)-83.29%
Revenue growth 3Y-47.55%
Revenue growth 5Y-32.48%
Sales Q2Q%N/A

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.
FIH-U.CA Yearly Revenue VS EstimatesFIH-U.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M
FIH-U.CA Yearly EPS VS EstimatesFIH-U.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1 2 3 4

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0

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 41.82, FIH-U can be considered very expensive at the moment.
Based on the Price/Earnings ratio, FIH-U is valued a bit more expensive than 73.08% of the companies in the same industry.
FIH-U is valuated rather expensively when we compare the Price/Earnings ratio to 28.22, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 41.83
Fwd PE N/A
FIH-U.CA Price Earnings VS Forward Price EarningsFIH-U.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FIH-U.CA Per share dataFIH-U.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

FIH-U does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FAIRFAX INDIA HO-SUB VTG SHS

TSX:FIH-U (5/2/2025, 7:00:00 PM)

16.73

-0.26 (-1.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-30 2025-07-30
Inst Owners31.28%
Inst Owner ChangeN/A
Ins Owners0.44%
Ins Owner ChangeN/A
Market Cap2.26B
Analysts84.44
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)106.07%
Min EPS beat(2)-191.26%
Max EPS beat(2)403.4%
EPS beat(4)2
Avg EPS beat(4)-142.38%
Min EPS beat(4)-2909.71%
Max EPS beat(4)2128.05%
EPS beat(8)5
Avg EPS beat(8)361.93%
EPS beat(12)8
Avg EPS beat(12)466.01%
EPS beat(16)11
Avg EPS beat(16)429.86%
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)0%
PT rev (3m)0%
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 RankSector Rank
PE 41.83
Fwd PE N/A
P/S 16.3
P/FCF N/A
P/OCF N/A
P/B 0.58
P/tB 0.58
EV/EBITDA N/A
EPS(TTM)0.4
EY2.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.06
FCFYN/A
OCF(TTM)-1.06
OCFYN/A
SpS1.03
BVpS28.99
TBVpS28.99
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.13%
ROE -1.46%
ROCE 0.73%
ROIC 0.52%
ROICexc 0.53%
ROICexgc 0.53%
OM 26.2%
PM (TTM) N/A
GM 34.11%
FCFM N/A
ROA(3y)4.76%
ROA(5y)5.35%
ROE(3y)6.12%
ROE(5y)6.9%
ROIC(3y)4.54%
ROIC(5y)N/A
ROICexc(3y)4.75%
ROICexc(5y)N/A
ROICexgc(3y)4.75%
ROICexgc(5y)N/A
ROCE(3y)6.3%
ROCE(5y)N/A
ROICexcg growth 3Y-63.73%
ROICexcg growth 5Y-47.69%
ROICexc growth 3Y-63.73%
ROICexc growth 5Y-47.69%
OM growth 3Y-30.17%
OM growth 5Y-20.63%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-24.01%
GM growth 5Y-16.47%
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.05
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.69
Quick Ratio 2.69
Altman-Z 2.12
F-Score2
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)-67.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%27.65%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-83.29%
Revenue growth 3Y-47.55%
Revenue growth 5Y-32.48%
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-94.2%
EBIT growth 3Y-63.38%
EBIT growth 5Y-46.4%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-255.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-255.28%
OCF growth 3YN/A
OCF growth 5YN/A