NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:NA-PR-C - CA6330672289
26.89 CAD
+0.09 (+0.34%)
Taking everything into account, NA-PR-C scores 4 out of 10 in our fundamental rating. NA-PR-C was compared to 23 industry peers in the Banks industry. NA-PR-C has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on NA-PR-C.
1. Profitability
1.1 Basic Checks
NA-PR-C had positive earnings in the past year.
In the past year NA-PR-C had a positive cash flow from operations.
NA-PR-C had positive earnings in each of the past 5 years.
NA-PR-C had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.67%, NA-PR-C is in line with its industry, outperforming 52.17% of the companies in the same industry.
With a Return On Equity value of 11.41%, NA-PR-C perfoms like the industry average, outperforming 52.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 11.41% | ||
| ROIC | N/A |
ROA(3y)0.73%
ROA(5y)0.77%
ROE(3y)13.03%
ROE(5y)14.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NA-PR-C's Profit Margin of 27.55% is in line compared to the rest of the industry. NA-PR-C outperforms 52.17% of its industry peers.
In the last couple of years the Profit Margin of NA-PR-C has grown nicely.
The Operating Margin and Gross Margin are not available for NA-PR-C so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.72%
PM growth 5Y2.58%
GM growth 3YN/A
GM growth 5YN/A
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.
NA-PR-C has more shares outstanding than it did 1 year ago.
The number of shares outstanding for NA-PR-C has been increased compared to 5 years ago.
Compared to 1 year ago, NA-PR-C has an improved debt to assets ratio.
2.2 Solvency
NA-PR-C has a debt to FCF ratio of 13.40. This is a negative value and a sign of low solvency as NA-PR-C would need 13.40 years to pay back of all of its debts.
NA-PR-C's Debt to FCF ratio of 13.40 is in line compared to the rest of the industry. NA-PR-C outperforms 56.52% of its industry peers.
A Debt/Equity ratio of 1.74 is on the high side and indicates that NA-PR-C has dependencies on debt financing.
NA-PR-C has a Debt to Equity ratio of 1.74. This is in the better half of the industry: NA-PR-C outperforms 73.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 13.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.57% over the past year.
Measured over the past years, NA-PR-C shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.23% on average per year.
Looking at the last year, NA-PR-C shows a very strong growth in Revenue. The Revenue has grown by 22.63%.
NA-PR-C shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.02% yearly.
EPS 1Y (TTM)8.57%
EPS 3Y5.41%
EPS 5Y13.23%
EPS Q2Q%9.3%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y13.14%
Revenue growth 5Y12.02%
Sales Q2Q%23.72%
3.2 Future
The Earnings Per Share is expected to grow by 2.13% on average over the next years.
The Revenue is expected to grow by 5.57% on average over the next years.
EPS Next Y10.19%
EPS Next 2Y11.45%
EPS Next 3Y10.07%
EPS Next 5Y2.13%
Revenue Next Year8.92%
Revenue Next 2Y7.6%
Revenue Next 3Y5.57%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 2.38, the valuation of NA-PR-C can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of NA-PR-C indicates a somewhat cheap valuation: NA-PR-C is cheaper than 73.91% of the companies listed in the same industry.
NA-PR-C's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.57.
Based on the Price/Forward Earnings ratio of 2.16, the valuation of NA-PR-C can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NA-PR-C indicates a rather cheap valuation: NA-PR-C is cheaper than 91.30% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.04. NA-PR-C is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.38 | ||
| Fwd PE | 2.16 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NA-PR-C indicates a somewhat cheap valuation: NA-PR-C is cheaper than 73.91% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.23
PEG (5Y)0.18
EPS Next 2Y11.45%
EPS Next 3Y10.07%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.86%, NA-PR-C has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.01, NA-PR-C is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.88, NA-PR-C pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
5.2 History
On average, the dividend of NA-PR-C grows each year by 6.57%, which is quite nice.
NA-PR-C has paid a dividend for at least 10 years, which is a reliable track record.
NA-PR-C has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.57%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
NA-PR-C pays out 50.67% of its income as dividend. This is a bit on the high side, but may be sustainable.
NA-PR-C's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP50.67%
EPS Next 2Y11.45%
EPS Next 3Y10.07%
NATIONAL BANK OF CANADA - NACN 7.027 PERP
TSX:NA-PR-C (12/24/2025, 7:00:00 PM)
26.89
+0.09 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.87%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap10.51B
Revenue(TTM)13.98B
Net Income(TTM)3.85B
Analysts74.55
Price Target26.67 (-0.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
Yearly Dividend5.33
Dividend Growth(5Y)6.57%
DP50.67%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.5%
Min EPS beat(2)-3.39%
Max EPS beat(2)4.39%
EPS beat(4)3
Avg EPS beat(4)5.88%
Min EPS beat(4)-3.39%
Max EPS beat(4)15.18%
EPS beat(8)6
Avg EPS beat(8)4.13%
EPS beat(12)8
Avg EPS beat(12)2.41%
EPS beat(16)10
Avg EPS beat(16)2.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)3.96%
Revenue beat(4)3
Avg Revenue beat(4)2.65%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)7.89%
Revenue beat(8)5
Avg Revenue beat(8)1.26%
Revenue beat(12)6
Avg Revenue beat(12)-0.12%
Revenue beat(16)7
Avg Revenue beat(16)-0.77%
PT rev (1m)0.37%
PT rev (3m)-2.89%
EPS NQ rev (1m)4.81%
EPS NQ rev (3m)3.69%
EPS NY rev (1m)4%
EPS NY rev (3m)4.28%
Revenue NQ rev (1m)4.25%
Revenue NQ rev (3m)4%
Revenue NY rev (1m)4.49%
Revenue NY rev (3m)4.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.38 | ||
| Fwd PE | 2.16 | ||
| P/S | 0.75 | ||
| P/FCF | 2.39 | ||
| P/OCF | 2.27 | ||
| P/B | 0.31 | ||
| P/tB | 0.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.28
EY41.95%
EPS(NY)12.43
Fwd EY46.22%
FCF(TTM)11.26
FCFY41.87%
OCF(TTM)11.86
OCFY44.09%
SpS35.76
BVpS86.38
TBVpS73.97
PEG (NY)0.23
PEG (5Y)0.18
Graham Number148.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 11.41% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.55% | ||
| GM | N/A | ||
| FCFM | 31.49% |
ROA(3y)0.73%
ROA(5y)0.77%
ROE(3y)13.03%
ROE(5y)14.07%
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-6.72%
PM growth 5Y2.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 13.4 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.63% | ||
| Cap/Sales | 1.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 114.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC22.39%
ROIC/WACCN/A
Cap/Depr(3y)63%
Cap/Depr(5y)59.13%
Cap/Sales(3y)3.02%
Cap/Sales(5y)2.91%
Profit Quality(3y)127.34%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.57%
EPS 3Y5.41%
EPS 5Y13.23%
EPS Q2Q%9.3%
EPS Next Y10.19%
EPS Next 2Y11.45%
EPS Next 3Y10.07%
EPS Next 5Y2.13%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y13.14%
Revenue growth 5Y12.02%
Sales Q2Q%23.72%
Revenue Next Year8.92%
Revenue Next 2Y7.6%
Revenue Next 3Y5.57%
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 1Y4.59%
FCF growth 3YN/A
FCF growth 5Y-25.97%
OCF growth 1Y-0.37%
OCF growth 3YN/A
OCF growth 5Y-25.34%
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 4 / 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 7 / 10 to NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA). This can be considered as Undervalued.
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 2.38 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 5 / 10 and the dividend payout ratio is 50.67%.