NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) Stock Fundamental Analysis
Canada - TSX:NA-PR-I - CA63307P7891
26.5 CAD
+0.37 (+1.42%)
NA-PR-I gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 26 industry peers in the Banks industry. Both the profitability and financial health of NA-PR-I have multiple concerns. NA-PR-I is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year NA-PR-I was profitable.
NA-PR-I had a positive operating cash flow in the past year.
Each year in the past 5 years NA-PR-I has been profitable.
NA-PR-I had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of NA-PR-I (0.62%) is worse than 69.23% of its industry peers.
NA-PR-I has a worse Return On Equity (6.14%) than 80.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.14% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.75%
ROE(3y)7.5%
ROE(5y)7.85%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NA-PR-I's Profit Margin of 22.63% is on the low side compared to the rest of the industry. NA-PR-I is outperformed by 80.77% of its industry peers.
In the last couple of years the Profit Margin of NA-PR-I has declined.
The Operating Margin and Gross Margin are not available for NA-PR-I so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.63% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.12%
PM growth 5Y-6.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NA-PR-I does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NA-PR-I has been increased compared to 1 year ago.
NA-PR-I has more shares outstanding than it did 5 years ago.
The debt/assets ratio for NA-PR-I is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NA-PR-I is 7.63, which is on the high side as it means it would take NA-PR-I, 7.63 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of NA-PR-I (7.63) is better than 76.92% of its industry peers.
NA-PR-I has a Debt/Equity ratio of 0.97. This is a neutral value indicating NA-PR-I is somewhat dependend on debt financing.
The Debt to Equity ratio of NA-PR-I (0.97) is better than 96.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 7.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.72%
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 impressive 105.97% over the past year.
NA-PR-I shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.39% yearly.
NA-PR-I shows a small growth in Revenue. In the last year, the Revenue has grown by 6.41%.
Measured over the past years, NA-PR-I shows a small growth in Revenue. The Revenue has been growing by 6.56% on average per year.
EPS 1Y (TTM)105.97%
EPS 3Y22.48%
EPS 5Y17.39%
EPS Q2Q%0%
Revenue 1Y (TTM)6.41%
Revenue growth 3Y5.23%
Revenue growth 5Y6.56%
Sales Q2Q%1055.56%
3.2 Future
The Earnings Per Share is expected to grow by 23.41% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 9.18% on average over the next years. This is quite good.
EPS Next Y61.39%
EPS Next 2Y30.35%
EPS Next 3Y23.41%
EPS Next 5YN/A
Revenue Next Year19.14%
Revenue Next 2Y11.59%
Revenue Next 3Y9.18%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.40, which indicates a rather cheap valuation of NA-PR-I.
Based on the Price/Earnings ratio, NA-PR-I is valued a bit cheaper than 76.92% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.38, NA-PR-I is valued rather cheaply.
The Price/Forward Earnings ratio is 2.23, which indicates a rather cheap valuation of NA-PR-I.
Based on the Price/Forward Earnings ratio, NA-PR-I is valued a bit cheaper than 69.23% of the companies in the same industry.
NA-PR-I is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.4 | ||
| Fwd PE | 2.23 |
4.2 Price Multiples
84.62% of the companies in the same industry are cheaper than NA-PR-I, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.79 | ||
| 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.
NA-PR-I's earnings are expected to grow with 23.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)0.14
EPS Next 2Y30.35%
EPS Next 3Y23.41%
5. Dividend
5.1 Amount
NA-PR-I has a Yearly Dividend Yield of 3.14%.
With a Dividend Yield of 3.14, NA-PR-I pays less dividend than the industry average, which is at 4.02. 84.62% of the companies listed in the same industry pay a better dividend than NA-PR-I!
Compared to an average S&P500 Dividend Yield of 2.38, NA-PR-I pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
5.2 History
The dividend of NA-PR-I has a limited annual growth rate of 4.68%.
NA-PR-I does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)4.68%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
NA-PR-I pays out 58.26% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of NA-PR-I is growing, but earnings are growing more, so the dividend growth is sustainable.
DP58.26%
EPS Next 2Y30.35%
EPS Next 3Y23.41%
NATIONAL BANK OF CANADA - NACN 6.371 PERP
TSX:NA-PR-I (9/19/2025, 7:00:00 PM)
26.5
+0.37 (+1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.98%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap10.39B
Analysts72.63
Price Target154.7 (483.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Yearly Dividend1.62
Dividend Growth(5Y)4.68%
DP58.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.06%
Min EPS beat(2)-1.46%
Max EPS beat(2)5.59%
EPS beat(4)2
Avg EPS beat(4)-0.8%
Min EPS beat(4)-7.36%
Max EPS beat(4)5.59%
EPS beat(8)5
Avg EPS beat(8)1.35%
EPS beat(12)6
Avg EPS beat(12)-0.07%
EPS beat(16)10
Avg EPS beat(16)3.39%
Revenue beat(2)0
Avg Revenue beat(2)-45.09%
Min Revenue beat(2)-89.79%
Max Revenue beat(2)-0.4%
Revenue beat(4)0
Avg Revenue beat(4)-24.34%
Min Revenue beat(4)-89.79%
Max Revenue beat(4)-0.4%
Revenue beat(8)1
Avg Revenue beat(8)-13.5%
Revenue beat(12)1
Avg Revenue beat(12)-10.2%
Revenue beat(16)2
Avg Revenue beat(16)-7.89%
PT rev (1m)7.16%
PT rev (3m)8.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)222.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.53%
Revenue NY rev (3m)3.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.4 | ||
| Fwd PE | 2.23 | ||
| P/S | 8.78 | ||
| P/FCF | 18.79 | ||
| P/OCF | 15.17 | ||
| P/B | 2.38 | ||
| P/tB | 2.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.04
EY41.66%
EPS(NY)11.89
Fwd EY44.88%
FCF(TTM)1.41
FCFY5.32%
OCF(TTM)1.75
OCFY6.59%
SpS3.02
BVpS11.12
TBVpS10.15
PEG (NY)0.04
PEG (5Y)0.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.14% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.63% | ||
| GM | N/A | ||
| FCFM | 46.7% |
ROA(3y)0.71%
ROA(5y)0.75%
ROE(3y)7.5%
ROE(5y)7.85%
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-11.12%
PM growth 5Y-6.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 7.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 185.95% | ||
| Cap/Sales | 11.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 206.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.72%
ROIC/WACCN/A
Cap/Depr(3y)145.14%
Cap/Depr(5y)128.04%
Cap/Sales(3y)9.15%
Cap/Sales(5y)7.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)105.97%
EPS 3Y22.48%
EPS 5Y17.39%
EPS Q2Q%0%
EPS Next Y61.39%
EPS Next 2Y30.35%
EPS Next 3Y23.41%
EPS Next 5YN/A
Revenue 1Y (TTM)6.41%
Revenue growth 3Y5.23%
Revenue growth 5Y6.56%
Sales Q2Q%1055.56%
Revenue Next Year19.14%
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 1Y189.15%
FCF growth 3Y-9.45%
FCF growth 5YN/A
OCF growth 1Y226.52%
OCF growth 3Y-5.07%
OCF growth 5Y102.74%