NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:NA-PR-C - CA6330672289
26.4 CAD
-0.04 (-0.15%)
Taking everything into account, NA-PR-C scores 4 out of 10 in our fundamental rating. NA-PR-C was compared to 24 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.
- NA-PR-C had a positive operating cash flow in the past year.
- 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
- NA-PR-C's Return On Assets of 0.67% is in line compared to the rest of the industry. NA-PR-C outperforms 54.17% of its industry peers.
- NA-PR-C's Return On Equity of 11.41% is in line compared to the rest of the industry. NA-PR-C outperforms 58.33% of its industry peers.
| 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
- The Profit Margin of NA-PR-C (27.55%) is comparable to the rest of the industry.
- 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) | 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.
- Compared to 5 years ago, NA-PR-C has more shares outstanding
- 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.
- Looking at the Debt to FCF ratio, with a value of 13.40, NA-PR-C is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
- NA-PR-C has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
- NA-PR-C has a better Debt to Equity ratio (1.74) than 79.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 13.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.44%
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.
- The Earnings Per Share has been growing by 13.23% on average over the past years. This is quite good.
- The Revenue has grown by 22.63% in the past year. This is a very strong growth!
- The Revenue has been growing by 12.02% on average over the past years. This is quite good.
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
- Based on estimates for the next years, NA-PR-C will show a small growth in Earnings Per Share. The EPS will grow by 5.53% on average per year.
- 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 5Y5.53%
Revenue Next Year8.92%
Revenue Next 2Y7.6%
Revenue Next 3Y5.57%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- NA-PR-C is valuated cheaply with a Price/Earnings ratio of 2.34.
- Based on the Price/Earnings ratio, NA-PR-C is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
- NA-PR-C's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.32.
- A Price/Forward Earnings ratio of 2.12 indicates a rather cheap valuation of NA-PR-C.
- 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 83.33% of the companies listed in the same industry.
- NA-PR-C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.34 | ||
| Fwd PE | 2.12 |
4.2 Price Multiples
- 79.17% of the companies in the same industry are more expensive than NA-PR-C, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.34 | ||
| 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)0.23
PEG (5Y)0.18
EPS Next 2Y11.45%
EPS Next 3Y10.07%
5. Dividend
5.1 Amount
- NA-PR-C has a Yearly Dividend Yield of 2.92%.
- Compared to an average industry Dividend Yield of 3.33, NA-PR-C has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, NA-PR-C pays a better dividend.
| 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 6.57%!
- 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
- 50.67% 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.
DP50.67%
EPS Next 2Y11.45%
EPS Next 3Y10.07%
NATIONAL BANK OF CANADA - NACN 7.027 PERP
TSX:NA-PR-C (1/22/2026, 7:00:00 PM)
26.4
-0.04 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-03 2025-12-03/bmo
Earnings (Next)02-25 2026-02-25
Inst Owners38.54%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap10.32B
Revenue(TTM)13.98B
Net Income(TTM)3.85B
Analysts74.55
Price Target27.51 (4.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
Yearly Dividend5.33
Dividend Growth(5Y)6.57%
DP50.67%
Div Incr Years0
Div Non Decr Years4
Ex-Date01-06 2026-01-06 (0.4391875)
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)1.31%
PT rev (3m)0.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.69%
EPS NY rev (1m)0%
EPS NY rev (3m)4.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.34 | ||
| Fwd PE | 2.12 | ||
| P/S | 0.74 | ||
| P/FCF | 2.34 | ||
| P/OCF | 2.23 | ||
| P/B | 0.31 | ||
| P/tB | 0.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.28
EY42.73%
EPS(NY)12.43
Fwd EY47.08%
FCF(TTM)11.26
FCFY42.65%
OCF(TTM)11.86
OCFY44.91%
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
WACC22.44%
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 5Y5.53%
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 for NA-PR-C 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.
Can you provide the profitability details for NATIONAL BANK OF CANADA - NACN 7.027 PERP?
NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for NA-PR-C stock?
The Earnings per Share (EPS) of NATIONAL BANK OF CANADA - NACN 7.027 PERP (NA-PR-C.CA) is expected to grow by 10.19% in the next year.
Is the dividend of NATIONAL BANK OF CANADA - NACN 7.027 PERP sustainable?
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%.