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NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.CA) Stock Fundamental Analysis

Canada - TSX:NA-PR-G - CA63306A2056

26.65 CAD
-0.01 (-0.04%)
Last: 9/23/2025, 7:00:00 PM
Fundamental Rating

3

NA-PR-G gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 26 industry peers in the Banks industry. NA-PR-G has a bad profitability rating. Also its financial health evaluation is rather negative. NA-PR-G is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year NA-PR-G was profitable.
NA-PR-G had a positive operating cash flow in the past year.
Each year in the past 5 years NA-PR-G has been profitable.
NA-PR-G had a positive operating cash flow in 4 of the past 5 years.
NA-PR-G.CA Yearly Net Income VS EBIT VS OCF VS FCFNA-PR-G.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

1.2 Ratios

NA-PR-G has a Return On Assets (0.68%) which is comparable to the rest of the industry.
The Return On Equity of NA-PR-G (11.23%) is comparable to the rest of the industry.
Industry RankSector 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
NA-PR-G.CA Yearly ROA, ROE, ROICNA-PR-G.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

NA-PR-G has a Profit Margin of 28.35%. This is comparable to the rest of the industry: NA-PR-G outperforms 50.00% of its industry peers.
In the last couple of years the Profit Margin of NA-PR-G has grown nicely.
The Operating Margin and Gross Margin are not available for NA-PR-G so they could not be analyzed.
Industry RankSector 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
NA-PR-G.CA Yearly Profit, Operating, Gross MarginsNA-PR-G.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

NA-PR-G does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NA-PR-G has more shares outstanding
The number of shares outstanding for NA-PR-G has been increased compared to 5 years ago.
Compared to 1 year ago, NA-PR-G has an improved debt to assets ratio.
NA-PR-G.CA Yearly Shares OutstandingNA-PR-G.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
NA-PR-G.CA Yearly Total Debt VS Total AssetsNA-PR-G.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

The Debt to FCF ratio of NA-PR-G is 17.68, which is on the high side as it means it would take NA-PR-G, 17.68 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 17.68, NA-PR-G is not doing good in the industry: 73.08% of the companies in the same industry are doing better.
NA-PR-G has a Debt/Equity ratio of 1.92. This is a high value indicating a heavy dependency on external financing.
NA-PR-G has a better Debt to Equity ratio (1.92) than 76.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.92
Debt/FCF 17.68
Altman-Z N/A
ROIC/WACCN/A
WACC23.21%
NA-PR-G.CA Yearly LT Debt VS Equity VS FCFNA-PR-G.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NA-PR-G.CA Yearly Current Assets VS Current LiabilitesNA-PR-G.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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5

3. Growth

3.1 Past

NA-PR-G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.71%.
NA-PR-G shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.31% yearly.
Looking at the last year, NA-PR-G shows a quite strong growth in Revenue. The Revenue has grown by 19.69% in the last year.
Measured over the past years, NA-PR-G 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 1.35% on average over the next years.
The Revenue is expected to grow by 9.18% on average over the next years. This is quite good.
EPS Next Y9.8%
EPS Next 2Y7.51%
EPS Next 3Y8.54%
EPS Next 5Y1.35%
Revenue Next Year19.13%
Revenue Next 2Y11.59%
Revenue Next 3Y9.18%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
NA-PR-G.CA Yearly Revenue VS EstimatesNA-PR-G.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
NA-PR-G.CA Yearly EPS VS EstimatesNA-PR-G.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.41, the valuation of NA-PR-G can be described as very cheap.
Based on the Price/Earnings ratio, NA-PR-G is valued a bit cheaper than 69.23% of the companies in the same industry.
NA-PR-G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
The Price/Forward Earnings ratio is 2.22, which indicates a rather cheap valuation of NA-PR-G.
NA-PR-G's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NA-PR-G is cheaper than 69.23% of the companies in the same industry.
NA-PR-G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.
Industry RankSector Rank
PE 2.41
Fwd PE 2.22
NA-PR-G.CA Price Earnings VS Forward Price EarningsNA-PR-G.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

NA-PR-G's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 2.88
EV/EBITDA N/A
NA-PR-G.CA Per share dataNA-PR-G.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

NA-PR-G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.25
PEG (5Y)0.23
EPS Next 2Y7.51%
EPS Next 3Y8.54%

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4

5. Dividend

5.1 Amount

NA-PR-G has a Yearly Dividend Yield of 3.14%.
Compared to an average industry Dividend Yield of 4.04, NA-PR-G is paying slightly less dividend.
NA-PR-G's Dividend Yield is a higher than the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.14%

5.2 History

The dividend of NA-PR-G is nicely growing with an annual growth rate of 10.25%!
NA-PR-G has been paying a dividend for over 5 years, so it has already some track record.
NA-PR-G has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.25%
Div Incr Years1
Div Non Decr Years4
NA-PR-G.CA Yearly Dividends per shareNA-PR-G.CA Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

NA-PR-G pays out 49.67% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of NA-PR-G is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP49.67%
EPS Next 2Y7.51%
EPS Next 3Y8.54%
NA-PR-G.CA Yearly Income VS Free CF VS DividendNA-PR-G.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B
NA-PR-G.CA Dividend Payout.NA-PR-G.CA Dividend Payout, showing the Payout Ratio.NA-PR-G.CA Dividend Payout.PayoutRetained Earnings

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NATIONAL BANK OF CANADA - NACN 7.056 PERP

TSX:NA-PR-G (9/23/2025, 7:00:00 PM)

26.65

-0.01 (-0.04%)

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 Owners36.35%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap10.45B
Analysts74.29
Price Target27.35 (2.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.14%
Yearly Dividend4.83
Dividend Growth(5Y)10.25%
DP49.67%
Div Incr Years1
Div Non Decr Years4
Ex-Date10-06 2025-10-06 (0.441)
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)1.82%
PT rev (3m)0.56%
EPS NQ rev (1m)-2.14%
EPS NQ rev (3m)-3.22%
EPS NY rev (1m)0%
EPS NY rev (3m)5.14%
Revenue NQ rev (1m)-1.39%
Revenue NQ rev (3m)6.45%
Revenue NY rev (1m)-0.53%
Revenue NY rev (3m)3.65%
Valuation
Industry RankSector Rank
PE 2.41
Fwd PE 2.22
P/S 0.79
P/FCF 2.88
P/OCF 2.69
P/B 0.31
P/tB 0.37
EV/EBITDA N/A
EPS(TTM)11.04
EY41.43%
EPS(NY)12.01
Fwd EY45.06%
FCF(TTM)9.27
FCFY34.77%
OCF(TTM)9.9
OCFY37.14%
SpS33.73
BVpS85.12
TBVpS72.59
PEG (NY)0.25
PEG (5Y)0.23
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC23.21%
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 Y9.8%
EPS Next 2Y7.51%
EPS Next 3Y8.54%
EPS Next 5Y1.35%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y8.49%
Revenue growth 5Y8.93%
Sales Q2Q%15.66%
Revenue Next Year19.13%
Revenue Next 2Y11.59%
Revenue Next 3Y9.18%
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%