FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP (FN-PR-A.CA) Fundamental Analysis & Valuation

TSX:FN-PR-A • CA33564P2026

Current stock price

25 CAD
+0.01 (+0.04%)
Last:

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

3

1. FN-PR-A.CA Profitability Analysis

1.1 Basic Checks

  • FN-PR-A had positive earnings in the past year.
  • In the past year FN-PR-A had a positive cash flow from operations.
  • Each year in the past 5 years FN-PR-A has been profitable.
  • FN-PR-A had negative operating cash flow in 4 of the past 5 years.
FN-PR-A.CA Yearly Net Income VS EBIT VS OCF VS FCFFN-PR-A.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 0 200M -200M 400M -400M -600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.34%, FN-PR-A is doing worse than 66.67% of the companies in the same industry.
  • FN-PR-A has a better Return On Equity (24.60%) than 93.33% of its industry peers.
  • The Return On Invested Capital of FN-PR-A (0.35%) is worse than 73.33% of its industry peers.
  • FN-PR-A had an Average Return On Invested Capital over the past 3 years of 0.47%. This is significantly below the industry average of 7.42%.
Industry RankSector Rank
ROA 0.34%
ROE 24.6%
ROIC 0.35%
ROA(3y)0.46%
ROA(5y)0.46%
ROE(3y)29.54%
ROE(5y)30.93%
ROIC(3y)0.47%
ROIC(5y)0.47%
FN-PR-A.CA Yearly ROA, ROE, ROICFN-PR-A.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • FN-PR-A has a Profit Margin of 7.95%. This is comparable to the rest of the industry: FN-PR-A outperforms 50.00% of its industry peers.
  • FN-PR-A's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 11.01%, FN-PR-A is not doing good in the industry: 73.33% of the companies in the same industry are doing better.
  • FN-PR-A's Operating Margin has declined in the last couple of years.
  • The Gross Margin of FN-PR-A (25.03%) is comparable to the rest of the industry.
  • FN-PR-A's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 11.01%
PM (TTM) 7.95%
GM 25.03%
OM growth 3Y-12.95%
OM growth 5Y-7.29%
PM growth 3Y-13.2%
PM growth 5Y-7.28%
GM growth 3Y-10.39%
GM growth 5Y-2.89%
FN-PR-A.CA Yearly Profit, Operating, Gross MarginsFN-PR-A.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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0

2. FN-PR-A.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FN-PR-A is destroying value.
  • Compared to 1 year ago, FN-PR-A has about the same amount of shares outstanding.
  • FN-PR-A has about the same amout of shares outstanding than it did 5 years ago.
  • FN-PR-A has a worse debt/assets ratio than last year.
FN-PR-A.CA Yearly Shares OutstandingFN-PR-A.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
FN-PR-A.CA Yearly Total Debt VS Total AssetsFN-PR-A.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

  • Based on the Altman-Z score of -0.04, we must say that FN-PR-A is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.04, FN-PR-A is not doing good in the industry: 86.67% of the companies in the same industry are doing better.
  • The Debt to FCF ratio of FN-PR-A is 184.75, which is on the high side as it means it would take FN-PR-A, 184.75 years of fcf income to pay off all of its debts.
  • FN-PR-A has a worse Debt to FCF ratio (184.75) than 63.33% of its industry peers.
  • FN-PR-A has a Debt/Equity ratio of 71.28. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 71.28, FN-PR-A is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 71.28
Debt/FCF 184.75
Altman-Z -0.04
ROIC/WACC0.16
WACC2.18%
FN-PR-A.CA Yearly LT Debt VS Equity VS FCFFN-PR-A.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B

2.3 Liquidity

  • A Current Ratio of 0.05 indicates that FN-PR-A may have some problems paying its short term obligations.
  • FN-PR-A has a worse Current ratio (0.05) than 76.67% of its industry peers.
  • A Quick Ratio of 0.05 indicates that FN-PR-A may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.05, FN-PR-A is not doing good in the industry: 76.67% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
FN-PR-A.CA Yearly Current Assets VS Current LiabilitesFN-PR-A.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FN-PR-A.CA Growth Analysis

3.1 Past

  • FN-PR-A shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.69%.
  • Measured over the past 5 years, FN-PR-A shows a small growth in Earnings Per Share. The EPS has been growing by 2.03% on average per year.
  • FN-PR-A shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.85%.
  • Measured over the past years, FN-PR-A shows a quite strong growth in Revenue. The Revenue has been growing by 10.82% on average per year.
EPS 1Y (TTM)-19.69%
EPS 3Y1.44%
EPS 5Y2.03%
EPS Q2Q%16.85%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y16.71%
Revenue growth 5Y10.82%
Sales Q2Q%23.39%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.25% on average over the next years.
  • The Revenue is expected to grow by 5.01% on average over the next years.
EPS Next Y2.15%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
EPS Next 5YN/A
Revenue Next Year6.11%
Revenue Next 2Y7.29%
Revenue Next 3Y5.01%
Revenue Next 5YN/A

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 accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FN-PR-A.CA Yearly Revenue VS EstimatesFN-PR-A.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
FN-PR-A.CA Yearly EPS VS EstimatesFN-PR-A.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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6

4. FN-PR-A.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.17, the valuation of FN-PR-A can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of FN-PR-A indicates a rather cheap valuation: FN-PR-A is cheaper than 93.33% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.54, FN-PR-A is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.16, the valuation of FN-PR-A can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FN-PR-A indicates a rather cheap valuation: FN-PR-A is cheaper than 93.33% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FN-PR-A to the average of the S&P500 Index (22.70), we can say FN-PR-A is valued rather cheaply.
Industry RankSector Rank
PE 8.17
Fwd PE 6.16
FN-PR-A.CA Price Earnings VS Forward Price EarningsFN-PR-A.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • FN-PR-A's Enterprise Value to EBITDA is on the same level as the industry average.
  • FN-PR-A's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FN-PR-A is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.26
EV/EBITDA 180.66
FN-PR-A.CA Per share dataFN-PR-A.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FN-PR-A does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.8
PEG (5Y)4.02
EPS Next 2Y10.19%
EPS Next 3Y7.25%

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5

5. FN-PR-A.CA Dividend Analysis

5.1 Amount

  • FN-PR-A has a Yearly Dividend Yield of 3.24%.
  • Compared to an average industry Dividend Yield of 5.62, FN-PR-A is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, FN-PR-A pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.24%

5.2 History

  • The dividend of FN-PR-A has a limited annual growth rate of 4.25%.
  • FN-PR-A has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FN-PR-A has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.25%
Div Incr Years0
Div Non Decr Years4
FN-PR-A.CA Yearly Dividends per shareFN-PR-A.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • FN-PR-A pays out 99.34% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of FN-PR-A is growing, but earnings are growing more, so the dividend growth is sustainable.
DP99.34%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
FN-PR-A.CA Yearly Income VS Free CF VS DividendFN-PR-A.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M -600M
FN-PR-A.CA Dividend Payout.FN-PR-A.CA Dividend Payout, showing the Payout Ratio.FN-PR-A.CA Dividend Payout.PayoutRetained Earnings

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FN-PR-A.CA Fundamentals: All Metrics, Ratios and Statistics

FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP

TSX:FN-PR-A (3/23/2026, 7:00:00 PM)

25

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-02
Earnings (Next)04-27
Inst Owners2.37%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap74.50M
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.47 (-14.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.24%
Yearly Dividend3.02
Dividend Growth(5Y)4.25%
DP99.34%
Div Incr Years0
Div Non Decr Years4
Ex-Date03-16
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-21.25%
Min EPS beat(2)-51.46%
Max EPS beat(2)8.96%
EPS beat(4)2
Avg EPS beat(4)-19.04%
Min EPS beat(4)-51.46%
Max EPS beat(4)8.96%
EPS beat(8)3
Avg EPS beat(8)-5.78%
EPS beat(12)5
Avg EPS beat(12)2.58%
EPS beat(16)7
Avg EPS beat(16)2.11%
Revenue beat(2)1
Avg Revenue beat(2)-4.35%
Min Revenue beat(2)-18.02%
Max Revenue beat(2)9.31%
Revenue beat(4)2
Avg Revenue beat(4)-5.71%
Min Revenue beat(4)-18.02%
Max Revenue beat(4)9.31%
Revenue beat(8)4
Avg Revenue beat(8)16%
Revenue beat(12)8
Avg Revenue beat(12)40.65%
Revenue beat(16)12
Avg Revenue beat(16)52.39%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.17
Fwd PE 6.16
P/S 0.03
P/FCF 0.26
P/OCF 0.26
P/B 0.1
P/tB 0.1
EV/EBITDA 180.66
EPS(TTM)3.06
EY12.24%
EPS(NY)4.06
Fwd EY16.22%
FCF(TTM)96.65
FCFY386.61%
OCF(TTM)97.21
OCFY388.83%
SpS775.39
BVpS250.52
TBVpS240.53
PEG (NY)3.8
PEG (5Y)4.02
Graham Number131.33
Profitability
Industry RankSector Rank
ROA 0.34%
ROE 24.6%
ROCE 0.52%
ROIC 0.35%
ROICexc 0.35%
ROICexgc 0.35%
OM 11.01%
PM (TTM) 7.95%
GM 25.03%
FCFM 12.47%
ROA(3y)0.46%
ROA(5y)0.46%
ROE(3y)29.54%
ROE(5y)30.93%
ROIC(3y)0.47%
ROIC(5y)0.47%
ROICexc(3y)0.47%
ROICexc(5y)0.47%
ROICexgc(3y)0.47%
ROICexgc(5y)0.47%
ROCE(3y)0.7%
ROCE(5y)0.71%
ROICexgc growth 3Y-4.65%
ROICexgc growth 5Y-3.34%
ROICexc growth 3Y-4.64%
ROICexc growth 5Y-3.34%
OM growth 3Y-12.95%
OM growth 5Y-7.29%
PM growth 3Y-13.2%
PM growth 5Y-7.28%
GM growth 3Y-10.39%
GM growth 5Y-2.89%
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 71.28
Debt/FCF 184.75
Debt/EBITDA 199.55
Cap/Depr 13.55%
Cap/Sales 0.07%
Interest Coverage 0.17
Cash Conversion 108.63%
Profit Quality 156.82%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -0.04
F-Score5
WACC2.18%
ROIC/WACC0.16
Cap/Depr(3y)54.65%
Cap/Depr(5y)111.75%
Cap/Sales(3y)0.43%
Cap/Sales(5y)0.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.69%
EPS 3Y1.44%
EPS 5Y2.03%
EPS Q2Q%16.85%
EPS Next Y2.15%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
EPS Next 5YN/A
Revenue 1Y (TTM)8.85%
Revenue growth 3Y16.71%
Revenue growth 5Y10.82%
Sales Q2Q%23.39%
Revenue Next Year6.11%
Revenue Next 2Y7.29%
Revenue Next 3Y5.01%
Revenue Next 5YN/A
EBIT growth 1Y-19.24%
EBIT growth 3Y1.6%
EBIT growth 5Y2.74%
EBIT Next Year-98.27%
EBIT Next 3Y-72.17%
EBIT Next 5YN/A
FCF growth 1Y12.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.58%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP / FN-PR-A.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP (FN-PR-A.CA) stock?

ChartMill assigns a fundamental rating of 3 / 10 to FN-PR-A.CA.


Can you provide the valuation status for FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP?

ChartMill assigns a valuation rating of 6 / 10 to FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP (FN-PR-A.CA). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP?

FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP (FN-PR-A.CA) has a profitability rating of 3 / 10.


What is the financial health of FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP (FN-PR-A.CA) stock?

The financial health rating of FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP (FN-PR-A.CA) is 0 / 10.


Can you provide the dividend sustainability for FN-PR-A stock?

The dividend rating of FIRST NATIONAL FINANCIAL - FNCN 2.895 PERP (FN-PR-A.CA) is 5 / 10 and the dividend payout ratio is 99.34%.