FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FN-PR-B - CA33564P3016
23.55 CAD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FN-PR-B. FN-PR-B was compared to 28 industry peers in the Financial Services industry. FN-PR-B may be in some trouble as it scores bad on both profitability and health. FN-PR-B may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year FN-PR-B was profitable.
In the past year FN-PR-B had a positive cash flow from operations.
FN-PR-B had positive earnings in each of the past 5 years.
FN-PR-B had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.34%, FN-PR-B is doing worse than 75.00% of the companies in the same industry.
FN-PR-B has a better Return On Equity (24.60%) than 100.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.35%, FN-PR-B is doing worse than 82.14% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FN-PR-B is significantly below the industry average of 5.82%.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of FN-PR-B (7.95%) is comparable to the rest of the industry.
FN-PR-B's Profit Margin has declined in the last couple of years.
FN-PR-B has a worse Operating Margin (11.01%) than 78.57% of its industry peers.
In the last couple of years the Operating Margin of FN-PR-B has declined.
Looking at the Gross Margin, with a value of 25.03%, FN-PR-B is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
In the last couple of years the Gross Margin of FN-PR-B has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FN-PR-B is destroying value.
FN-PR-B has about the same amout of shares outstanding than it did 1 year ago.
FN-PR-B has about the same amout of shares outstanding than it did 5 years ago.
FN-PR-B has a worse debt/assets ratio than last year.
2.2 Solvency
FN-PR-B has an Altman-Z score of -0.04. This is a bad value and indicates that FN-PR-B is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of FN-PR-B (-0.04) is worse than 92.86% of its industry peers.
The Debt to FCF ratio of FN-PR-B is 184.75, which is on the high side as it means it would take FN-PR-B, 184.75 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 184.75, FN-PR-B is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
A Debt/Equity ratio of 71.28 is on the high side and indicates that FN-PR-B has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 71.28, FN-PR-B is doing worse than 89.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 71.28 | ||
| Debt/FCF | 184.75 | ||
| Altman-Z | -0.04 |
ROIC/WACC0.16
WACC2.18%
2.3 Liquidity
A Current Ratio of 0.05 indicates that FN-PR-B may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.05, FN-PR-B is doing worse than 75.00% of the companies in the same industry.
FN-PR-B has a Quick Ratio of 0.05. This is a bad value and indicates that FN-PR-B is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of FN-PR-B (0.05) is worse than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The earnings per share for FN-PR-B have decreased strongly by -19.69% in the last year.
Measured over the past 5 years, FN-PR-B shows a small growth in Earnings Per Share. The EPS has been growing by 2.03% on average per year.
The Revenue has grown by 8.85% in the past year. This is quite good.
Measured over the past years, FN-PR-B 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
FN-PR-B is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.25% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.70, the valuation of FN-PR-B can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of FN-PR-B indicates a rather cheap valuation: FN-PR-B is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FN-PR-B to the average of the S&P500 Index (26.61), we can say FN-PR-B is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.81, the valuation of FN-PR-B can be described as very cheap.
Based on the Price/Forward Earnings ratio, FN-PR-B is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.01, FN-PR-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 5.81 |
4.2 Price Multiples
FN-PR-B's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FN-PR-B is cheaper than 75.00% of the companies in the same industry.
FN-PR-B's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FN-PR-B is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.24 | ||
| EV/EBITDA | 180.65 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FN-PR-B does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.58
PEG (5Y)3.78
EPS Next 2Y10.19%
EPS Next 3Y7.25%
5. Dividend
5.1 Amount
FN-PR-B has a Yearly Dividend Yield of 3.24%.
Compared to an average industry Dividend Yield of 5.98, FN-PR-B is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.87, FN-PR-B pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
5.2 History
The dividend of FN-PR-B has a limited annual growth rate of 4.25%.
FN-PR-B has paid a dividend for at least 10 years, which is a reliable track record.
FN-PR-B has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.25%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
99.34% of the earnings are spent on dividend by FN-PR-B. This is not a sustainable payout ratio.
FN-PR-B's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP99.34%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP
TSX:FN-PR-B (12/17/2025, 7:00:00 PM)
23.55
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners6.66%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap70.18M
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.24 (-9.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
Yearly Dividend3.02
Dividend Growth(5Y)4.25%
DP99.34%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-0.22%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 5.81 | ||
| P/S | 0.03 | ||
| P/FCF | 0.24 | ||
| P/OCF | 0.24 | ||
| P/B | 0.09 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | 180.65 |
EPS(TTM)3.06
EY12.99%
EPS(NY)4.06
Fwd EY17.22%
FCF(TTM)96.65
FCFY410.42%
OCF(TTM)97.21
OCFY412.77%
SpS775.39
BVpS250.52
TBVpS240.53
PEG (NY)3.58
PEG (5Y)3.78
Graham Number131.33
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 4.26 PERP / FN-PR-B.CA FAQ
Can you provide the ChartMill fundamental rating for FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to FN-PR-B.CA.
Can you provide the valuation status for FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP?
ChartMill assigns a valuation rating of 7 / 10 to FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA). This can be considered as Undervalued.
What is the profitability of FN-PR-B stock?
FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) has a profitability rating of 3 / 10.
What is the valuation of FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) is 7.7 and the Price/Book (PB) ratio is 0.09.
Can you provide the financial health for FN-PR-B stock?
The financial health rating of FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) is 0 / 10.