NA-PR-G Fundamental Analysis - NATIONAL BANK OF CANADA - NACN 7.056 PERP

Fundamental Rating

NA-PR-G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 22 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 has a decent growth rate and is not valued too expensively. NA-PR-G also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

NA-PR-G had positive earnings in the past year.

In the past year NA-PR-G had a positive cash flow from operations.

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

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

1.2 Ratios

With a Return On Assets value of 0.67%, NA-PR-G perfoms like the industry average, outperforming 54.55% of the companies in the same industry.

The Return On Equity of NA-PR-G (11.41%) is comparable to the rest of the 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-G has a Profit Margin (27.55%) which is comparable to the rest of the industry.

In the last couple of years the Profit Margin of NA-PR-G has grown nicely.

NA-PR-G 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

NA-PR-G has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, NA-PR-G has more shares outstanding

NA-PR-G has a better debt/assets ratio than last year.

2.2 Solvency

NA-PR-G has a debt to FCF ratio of 13.40. This is a negative value and a sign of low solvency as NA-PR-G would need 13.40 years to pay back of all of its debts.

The Debt to FCF ratio of NA-PR-G (13.40) is comparable to the rest of the industry.

NA-PR-G has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.

NA-PR-G's Debt to Equity ratio of 1.74 is fine compared to the rest of the industry. NA-PR-G outperforms 77.27% 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NA-PR-G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.57%, which is quite good.

Measured over the past years, NA-PR-G 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-G shows a very strong growth in Revenue. The Revenue has grown by 22.63%.

NA-PR-G 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

Based on estimates for the next years, NA-PR-G will show a small growth in Earnings Per Share. The EPS will grow by 2.13% on average per year.

NA-PR-G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.57% yearly.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.38 indicates a rather cheap valuation of NA-PR-G.

Compared to the rest of the industry, the Price/Earnings ratio of NA-PR-G indicates a somewhat cheap valuation: NA-PR-G is cheaper than 77.27% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of NA-PR-G to the average of the S&P500 Index (26.51), we can say NA-PR-G is valued rather cheaply.

NA-PR-G is valuated cheaply with a Price/Forward Earnings ratio of 2.16.

77.27% of the companies in the same industry are more expensive than NA-PR-G, based on the Price/Forward Earnings ratio.

NA-PR-G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.

		Industry Rank	Sector Rank
PE	2.38
Fwd PE	2.16

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NA-PR-G is valued a bit cheaper than 77.27% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.38
EV/EBITDA	N/A

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)0.23

PEG (5Y)0.18

EPS Next 2Y11.45%

EPS Next 3Y10.07%

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5. Dividend

5.1 Amount

NA-PR-G has a Yearly Dividend Yield of 6.05%, which is a nice return.

Compared to an average industry Dividend Yield of 4.14, NA-PR-G pays a better dividend. On top of this NA-PR-G pays more dividend than 90.91% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.00, NA-PR-G pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.05%

5.2 History

On average, the dividend of NA-PR-G grows each year by 6.57%, which is quite nice.

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)6.57%

Div Incr Years1

Div Non Decr Years4

5.3 Sustainability

50.67% of the earnings are spent on dividend by NA-PR-G. This is a bit on the high side, but may be sustainable.

NA-PR-G'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%

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NATIONAL BANK OF CANADA - NACN 7.056 PERP

TSX:NA-PR-G (12/31/2025, 7:00:00 PM)

26.8

+0.01 (+0.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)12-03 2025-12-03/bmo

Earnings (Next)02-24 2026-02-24

Inst Owners37.87%

Inst Owner ChangeN/A

Ins Owners0.1%

Ins Owner ChangeN/A

Market Cap10.48B

Revenue(TTM)13.98B

Net Income(TTM)3.85B

Analysts74.55

Price Target26.74 (-0.22%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.05%

Yearly Dividend5.33

Dividend Growth(5Y)6.57%

DP50.67%

Div Incr Years1

Div Non Decr Years4

Ex-Date01-06 2026-01-06 (0.441)

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)2.17%

PT rev (3m)-2.23%

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	2.38
P/OCF	2.26
P/B	0.31
P/tB	0.36
EV/EBITDA	N/A

EPS(TTM)11.28

EY42.09%

EPS(NY)12.43

Fwd EY46.38%

FCF(TTM)11.26

FCFY42.01%

OCF(TTM)11.86

OCFY44.24%

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 7.056 PERP / NA-PR-G.CA FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to NA-PR-G.CA.

Can you provide the valuation status for NATIONAL BANK OF CANADA - NACN 7.056 PERP?

ChartMill assigns a valuation rating of 6 / 10 to NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.CA). This can be considered as Fairly Valued.

How profitable is NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.CA) stock?

NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.CA) has a profitability rating of 3 / 10.

What is the valuation of NATIONAL BANK OF CANADA - NACN 7.056 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.CA) is 2.38 and the Price/Book (PB) ratio is 0.31.

Is the dividend of NATIONAL BANK OF CANADA - NACN 7.056 PERP sustainable?

The dividend rating of NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.CA) is 7 / 10 and the dividend payout ratio is 50.67%.

NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.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 7.056 PERP / NA-PR-G.CA FAQ

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

Can you provide the valuation status for NATIONAL BANK OF CANADA - NACN 7.056 PERP?

How profitable is NATIONAL BANK OF CANADA - NACN 7.056 PERP (NA-PR-G.CA) stock?

What is the valuation of NATIONAL BANK OF CANADA - NACN 7.056 PERP based on its PE and PB ratios?

Is the dividend of NATIONAL BANK OF CANADA - NACN 7.056 PERP sustainable?