NA-PR-C Fundamental Analysis - NATIONAL BANK OF CANADA - NACN 7.027 PERP

Fundamental Rating

NA-PR-C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 25 industry peers in the Banks industry. Both the profitability and financial health of NA-PR-C have multiple concerns. NA-PR-C is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year NA-PR-C was profitable.

NA-PR-C had a positive operating cash flow in the past year.

In the past 5 years NA-PR-C has always been profitable.

NA-PR-C had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

NA-PR-C has a Return On Assets (0.68%) which is comparable to the rest of the industry.

With a Return On Equity value of 11.23%, NA-PR-C perfoms like the industry average, outperforming 44.00% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.68%
ROE	11.23%
ROIC	N/A

ROA(3y)0.78%

ROA(5y)0.76%

ROE(3y)14.26%

ROE(5y)14.14%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

NA-PR-C has a Profit Margin (28.35%) which is in line with its industry peers.

NA-PR-C's Profit Margin has improved in the last couple of years.

NA-PR-C does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.35%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.07%

PM growth 5Y2.22%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NA-PR-C does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for NA-PR-C has been increased compared to 1 year ago.

The number of shares outstanding for NA-PR-C has been increased compared to 5 years ago.

The debt/assets ratio for NA-PR-C has been reduced compared to a year ago.

2.2 Solvency

NA-PR-C has a debt to FCF ratio of 17.68. This is a negative value and a sign of low solvency as NA-PR-C would need 17.68 years to pay back of all of its debts.

NA-PR-C has a worse Debt to FCF ratio (17.68) than 72.00% of its industry peers.

NA-PR-C has a Debt/Equity ratio of 1.92. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of NA-PR-C (1.92) is better than 76.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.92
Debt/FCF	17.68
Altman-Z	N/A

ROIC/WACCN/A

WACC23.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.71% over the past year.

The Earnings Per Share has been growing by 10.31% on average over the past years. This is quite good.

The Revenue has grown by 19.69% in the past year. This is quite good.

Measured over the past years, NA-PR-C shows a quite strong growth in Revenue. The Revenue has been growing by 8.93% on average per year.

EPS 1Y (TTM)7.71%

EPS 3Y5.02%

EPS 5Y10.31%

EPS Q2Q%0%

Revenue 1Y (TTM)19.69%

Revenue growth 3Y8.49%

Revenue growth 5Y8.93%

Sales Q2Q%15.66%

3.2 Future

The Earnings Per Share is expected to grow by 3.38% on average over the next years.

Based on estimates for the next years, NA-PR-C will show a quite strong growth in Revenue. The Revenue will grow by 9.21% on average per year.

EPS Next Y9.37%

EPS Next 2Y7.25%

EPS Next 3Y8.57%

EPS Next 5Y3.38%

Revenue Next Year19.12%

Revenue Next 2Y11.47%

Revenue Next 3Y9.21%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.41, which indicates a rather cheap valuation of NA-PR-C.

68.00% of the companies in the same industry are more expensive than NA-PR-C, based on the Price/Earnings ratio.

NA-PR-C is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 2.23, which indicates a rather cheap valuation of NA-PR-C.

64.00% of the companies in the same industry are more expensive than NA-PR-C, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 36.12. NA-PR-C is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	2.41
Fwd PE	2.23

4.2 Price Multiples

NA-PR-C's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	2.86
EV/EBITDA	N/A

4.3 Compensation for Growth

NA-PR-C's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.26

PEG (5Y)0.23

EPS Next 2Y7.25%

EPS Next 3Y8.57%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.92%, NA-PR-C has a reasonable but not impressive dividend return.

NA-PR-C's Dividend Yield is slightly below the industry average, which is at 3.35.

NA-PR-C's Dividend Yield is a higher than the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	2.92%

5.2 History

The dividend of NA-PR-C is nicely growing with an annual growth rate of 10.25%!

NA-PR-C has been paying a dividend for over 5 years, so it has already some track record.

NA-PR-C has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)10.25%

Div Incr Years0

Div Non Decr Years4

5.3 Sustainability

49.67% of the earnings are spent on dividend by NA-PR-C. This is a bit on the high side, but may be sustainable.

The dividend of NA-PR-C is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP49.67%

EPS Next 2Y7.25%

EPS Next 3Y8.57%

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NATIONAL BANK OF CANADA - NACN 7.027 PERP

TSX:NA-PR-C (11/27/2025, 7:00:00 PM)

26.6

+0.11 (+0.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-27 2025-08-27/bmo

Earnings (Next)12-03 2025-12-03/amc

Inst Owners37.87%

Inst Owner ChangeN/A

Ins Owners0.1%

Ins Owner ChangeN/A

Market Cap10.40B

Revenue(TTM)13.23B

Net Income(TTM)3.75B

Analysts74.29

Price Target25.96 (-2.41%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.92%

Yearly Dividend4.83

Dividend Growth(5Y)10.25%

DP49.67%

Div Incr Years0

Div Non Decr Years4

Ex-Date10-06 2025-10-06 (0.4391875)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.9%

Min EPS beat(2)-3.39%

Max EPS beat(2)15.18%

EPS beat(4)2

Avg EPS beat(4)4.18%

Min EPS beat(4)-3.39%

Max EPS beat(4)15.18%

EPS beat(8)6

Avg EPS beat(8)4.17%

EPS beat(12)7

Avg EPS beat(12)1.21%

EPS beat(16)9

Avg EPS beat(16)2.08%

Revenue beat(2)1

Avg Revenue beat(2)1.73%

Min Revenue beat(2)-4.43%

Max Revenue beat(2)7.89%

Revenue beat(4)2

Avg Revenue beat(4)1.32%

Min Revenue beat(4)-4.43%

Max Revenue beat(4)7.89%

Revenue beat(8)5

Avg Revenue beat(8)0.94%

Revenue beat(12)5

Avg Revenue beat(12)-1.22%

Revenue beat(16)6

Avg Revenue beat(16)-1.46%

PT rev (1m)-4.95%

PT rev (3m)-3.84%

EPS NQ rev (1m)1.67%

EPS NQ rev (3m)-0.12%

EPS NY rev (1m)0.01%

EPS NY rev (3m)4.73%

Revenue NQ rev (1m)-0.34%

Revenue NQ rev (3m)-1.56%

Revenue NY rev (1m)-0.01%

Revenue NY rev (3m)-0.58%

Valuation

		Industry Rank	Sector Rank
PE	2.41
Fwd PE	2.23
P/S	0.79
P/FCF	2.86
P/OCF	2.68
P/B	0.31
P/tB	0.37
EV/EBITDA	N/A

EPS(TTM)11.04

EY41.5%

EPS(NY)11.95

Fwd EY44.93%

FCF(TTM)9.29

FCFY34.94%

OCF(TTM)9.93

OCFY37.32%

SpS33.83

BVpS85.37

TBVpS72.8

PEG (NY)0.26

PEG (5Y)0.23

Graham Number145.62

Profitability

		Industry Rank	Sector Rank
ROA	0.68%
ROE	11.23%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.35%
GM	N/A
FCFM	27.47%

ROA(3y)0.78%

ROA(5y)0.76%

ROE(3y)14.26%

ROE(5y)14.14%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.07%

PM growth 5Y2.22%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	1.92
Debt/FCF	17.68
Debt/EBITDA	N/A
Cap/Depr	43.59%
Cap/Sales	1.88%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	96.91%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC23.17%

ROIC/WACCN/A

Cap/Depr(3y)71.63%

Cap/Depr(5y)60.13%

Cap/Sales(3y)3.48%

Cap/Sales(5y)3.04%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)7.71%

EPS 3Y5.02%

EPS 5Y10.31%

EPS Q2Q%0%

EPS Next Y9.37%

EPS Next 2Y7.25%

EPS Next 3Y8.57%

EPS Next 5Y3.38%

Revenue 1Y (TTM)19.69%

Revenue growth 3Y8.49%

Revenue growth 5Y8.93%

Sales Q2Q%15.66%

Revenue Next Year19.12%

Revenue Next 2Y11.47%

Revenue Next 3Y9.21%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y118.33%

FCF growth 3Y-10.63%

FCF growth 5Y-12.35%

OCF growth 1Y93.76%

OCF growth 3Y-8.7%

OCF growth 5Y-10.89%

NATIONAL BANK OF CANADA - NACN 7.027 PERP / NA-PR-C.CA FAQ

What is the fundamental rating for NA-PR-C stock?

ChartMill assigns a fundamental rating of 3 / 10 to NA-PR-C.CA.

What is the valuation status of NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) stock?

ChartMill assigns a valuation rating of 6 / 10 to NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA). This can be considered as Fairly Valued.

What is the profitability of NA-PR-C stock?

NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) has a profitability rating of 3 / 10.

What are the PE and PB ratios of NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) stock?

The Price/Earnings (PE) ratio for NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) is 2.41 and the Price/Book (PB) ratio is 0.31.

Can you provide the dividend sustainability for NA-PR-C stock?

The dividend rating of NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) is 4 / 10 and the dividend payout ratio is 49.67%.

NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

NATIONAL BANK OF CANADA - NACN 7.027 PERP / NA-PR-C.CA FAQ

What is the fundamental rating for NA-PR-C stock?

What is the valuation status of NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) stock?

What is the profitability of NA-PR-C stock?

What are the PE and PB ratios of NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) stock?

Can you provide the dividend sustainability for NA-PR-C stock?