FIRST NATIONAL FINANCIAL COR (FN.CA) Fundamental Analysis & Valuation

TSX:FN • CA33564P1036

Current stock price

47.98 CAD
-0.01 (-0.02%)
Last:

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

2

1. FN.CA Profitability Analysis

1.1 Basic Checks

  • In the past year FN was profitable.
  • FN had a positive operating cash flow in the past year.
  • FN had positive earnings in each of the past 5 years.
  • FN had negative operating cash flow in 4 of the past 5 years.
FN.CA Yearly Net Income VS EBIT VS OCF VS FCFFN.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

  • The Return On Assets of FN (0.34%) is worse than 71.43% of its industry peers.
  • FN has a better Return On Equity (24.60%) than 92.86% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.35%, FN is doing worse than 89.29% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for FN is significantly below the industry average of 6.74%.
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.CA Yearly ROA, ROE, ROICFN.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • With a Profit Margin value of 7.95%, FN is not doing good in the industry: 67.86% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of FN has declined.
  • FN's Operating Margin of 11.01% is on the low side compared to the rest of the industry. FN is outperformed by 85.71% of its industry peers.
  • In the last couple of years the Operating Margin of FN has declined.
  • The Gross Margin of FN (25.03%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of FN has declined.
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.CA Yearly Profit, Operating, Gross MarginsFN.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. FN.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FN is destroying value.
  • The number of shares outstanding for FN remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for FN remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for FN is higher compared to a year ago.
FN.CA Yearly Shares OutstandingFN.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
FN.CA Yearly Total Debt VS Total AssetsFN.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

  • FN has an Altman-Z score of -0.01. This is a bad value and indicates that FN is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.01, FN is doing worse than 85.71% of the companies in the same industry.
  • FN has a debt to FCF ratio of 184.75. This is a negative value and a sign of low solvency as FN would need 184.75 years to pay back of all of its debts.
  • The Debt to FCF ratio of FN (184.75) is worse than 67.86% of its industry peers.
  • FN has a Debt/Equity ratio of 71.28. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of FN (71.28) is worse than 92.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 71.28
Debt/FCF 184.75
Altman-Z -0.01
ROIC/WACC0.12
WACC2.89%
FN.CA Yearly LT Debt VS Equity VS FCFFN.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

  • FN has a Current Ratio of 0.05. This is a bad value and indicates that FN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • FN's Current ratio of 0.05 is on the low side compared to the rest of the industry. FN is outperformed by 78.57% of its industry peers.
  • A Quick Ratio of 0.05 indicates that FN may have some problems paying its short term obligations.
  • The Quick ratio of FN (0.05) is worse than 78.57% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
FN.CA Yearly Current Assets VS Current LiabilitesFN.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

More info and screens

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

4

3. FN.CA Growth Analysis

3.1 Past

  • FN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.69%.
  • FN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.03% yearly.
  • FN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.85%.
  • The Revenue has been growing by 10.82% on average over the past years. This is quite good.
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.
  • Based on estimates for the next years, FN will show a small growth in Revenue. The Revenue will grow by 5.01% on average per year.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FN.CA Yearly Revenue VS EstimatesFN.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.CA Yearly EPS VS EstimatesFN.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

More info and screens

Find the best growth stocksShow best growing peers

5

4. FN.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.68 indicates a correct valuation of FN.
  • Based on the Price/Earnings ratio, FN is valued a bit cheaper than 67.86% of the companies in the same industry.
  • FN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.23.
  • With a Price/Forward Earnings ratio of 11.83, the valuation of FN can be described as very reasonable.
  • FN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FN is cheaper than 71.43% of the companies in the same industry.
  • FN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 15.68
Fwd PE 11.83
FN.CA Price Earnings VS Forward Price EarningsFN.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • 71.43% of the companies in the same industry are more expensive than FN, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, FN is valued cheaper than 89.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.99
EV/EBITDA 191.17
FN.CA Per share dataFN.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)7.29
PEG (5Y)7.71
EPS Next 2Y10.19%
EPS Next 3Y7.25%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FN.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.24%, FN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 6.69, FN is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.91, FN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.24%

5.2 History

  • The dividend of FN has a limited annual growth rate of 4.25%.
  • FN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.25%
Div Incr Years0
Div Non Decr Years0
FN.CA Yearly Dividends per shareFN.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

  • 99.34% of the earnings are spent on dividend by FN. This is not a sustainable payout ratio.
  • FN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP99.34%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
FN.CA Yearly Income VS Free CF VS DividendFN.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.CA Dividend Payout.FN.CA Dividend Payout, showing the Payout Ratio.FN.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

FN.CA Fundamentals: All Metrics, Ratios and Statistics

FIRST NATIONAL FINANCIAL COR

TSX:FN (10/23/2025, 7:00:00 PM)

47.98

-0.01 (-0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-29
Earnings (Next)11-04
Inst Owners3.8%
Inst Owner ChangeN/A
Ins Owners59.79%
Ins Owner ChangeN/A
Market Cap2.88B
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target48.96 (2.04%)
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 Years0
Ex-DateN/A
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)17.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.28%
EPS NY rev (1m)0%
EPS NY rev (3m)-16.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.32%
Valuation
Industry RankSector Rank
PE 15.68
Fwd PE 11.83
P/S 1.25
P/FCF 9.99
P/OCF 9.93
P/B 3.85
P/tB 4.01
EV/EBITDA 191.17
EPS(TTM)3.06
EY6.38%
EPS(NY)4.06
Fwd EY8.45%
FCF(TTM)4.8
FCFY10.01%
OCF(TTM)4.83
OCFY10.07%
SpS38.53
BVpS12.45
TBVpS11.95
PEG (NY)7.29
PEG (5Y)7.71
Graham Number29.28
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 -0.01
F-Score5
WACC2.89%
ROIC/WACC0.12
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 COR / FN.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST NATIONAL FINANCIAL COR?

ChartMill assigns a fundamental rating of 2 / 10 to FN.CA.


What is the valuation status of FIRST NATIONAL FINANCIAL COR (FN.CA) stock?

ChartMill assigns a valuation rating of 5 / 10 to FIRST NATIONAL FINANCIAL COR (FN.CA). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST NATIONAL FINANCIAL COR?

FIRST NATIONAL FINANCIAL COR (FN.CA) has a profitability rating of 2 / 10.


How financially healthy is FIRST NATIONAL FINANCIAL COR?

The financial health rating of FIRST NATIONAL FINANCIAL COR (FN.CA) is 0 / 10.


How sustainable is the dividend of FIRST NATIONAL FINANCIAL COR (FN.CA) stock?

The dividend rating of FIRST NATIONAL FINANCIAL COR (FN.CA) is 4 / 10 and the dividend payout ratio is 99.34%.