NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) Stock Fundamental Analysis
Canada - TSX:NA-PR-I - CA63307P7891
26.29 CAD
-0.13 (-0.49%)
Taking everything into account, NA-PR-I scores 4 out of 10 in our fundamental rating. NA-PR-I was compared to 26 industry peers in the Banks industry. NA-PR-I has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
NA-PR-I had positive earnings in each of the past 5 years.
Of the past 5 years NA-PR-I 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.62%, NA-PR-I is doing worse than 69.23% of the companies in the same industry.
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
Looking at the Profit Margin, with a value of 22.63%, NA-PR-I is doing worse than 80.77% of the companies in the same industry.
In the last couple of years the Profit Margin of NA-PR-I has declined.
NA-PR-I 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) | 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.
NA-PR-I has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, NA-PR-I has more shares outstanding
NA-PR-I has a worse debt/assets ratio than last year.
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.
NA-PR-I has a better Debt to FCF ratio (7.63) 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.
With an excellent Debt to Equity ratio value of 0.97, NA-PR-I belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 7.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.52%
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
NA-PR-I is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.44% yearly.
Based on estimates for the next years, NA-PR-I will show a quite strong growth in Revenue. The Revenue will grow by 9.21% on average per year.
EPS Next Y60.77%
EPS Next 2Y30.03%
EPS Next 3Y23.44%
EPS Next 5YN/A
Revenue Next Year19.13%
Revenue Next 2Y11.47%
Revenue Next 3Y9.21%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.38, which indicates a rather cheap valuation of NA-PR-I.
Compared to the rest of the industry, the Price/Earnings ratio of NA-PR-I indicates a somewhat cheap valuation: NA-PR-I is cheaper than 76.92% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.83. NA-PR-I is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 2.22, 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 the industry average as 69.23% of the companies are valued more expensively.
NA-PR-I is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.38 | ||
| Fwd PE | 2.22 |
4.2 Price Multiples
NA-PR-I's Price/Free Cash Flow ratio is rather expensive when compared to the industry. NA-PR-I is more expensive than 84.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.65 | ||
| 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 23.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)0.14
EPS Next 2Y30.03%
EPS Next 3Y23.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.64%, NA-PR-I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.22, NA-PR-I pays a better dividend. On top of this NA-PR-I pays more dividend than 80.77% of the companies listed in the same industry.
NA-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.64% |
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
58.26% of the earnings are spent on dividend by NA-PR-I. This is a bit on the high side, but may be sustainable.
NA-PR-I's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP58.26%
EPS Next 2Y30.03%
EPS Next 3Y23.44%
NATIONAL BANK OF CANADA - NACN 6.371 PERP
TSX:NA-PR-I (11/6/2025, 7:00:00 PM)
26.29
-0.13 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners12.33%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap10.31B
Revenue(TTM)1.18B
Net Income(TTM)267.88M
Analysts72.63
Price Target157.59 (499.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.64% |
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)1.87%
PT rev (3m)9.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.01%
EPS NY rev (3m)221.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.38 | ||
| Fwd PE | 2.22 | ||
| P/S | 8.71 | ||
| P/FCF | 18.65 | ||
| P/OCF | 15.05 | ||
| P/B | 2.37 | ||
| P/tB | 2.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.04
EY41.99%
EPS(NY)11.84
Fwd EY45.02%
FCF(TTM)1.41
FCFY5.36%
OCF(TTM)1.75
OCFY6.64%
SpS3.02
BVpS11.11
TBVpS10.14
PEG (NY)0.04
PEG (5Y)0.14
Graham Number52.54
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
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-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
WACC13.52%
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 Y60.77%
EPS Next 2Y30.03%
EPS Next 3Y23.44%
EPS Next 5YN/A
Revenue 1Y (TTM)6.41%
Revenue growth 3Y5.23%
Revenue growth 5Y6.56%
Sales Q2Q%1055.56%
Revenue Next Year19.13%
Revenue Next 2Y11.47%
Revenue Next 3Y9.21%
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%
NATIONAL BANK OF CANADA - NACN 6.371 PERP / NA-PR-I.CA FAQ
What is the ChartMill fundamental rating of NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NA-PR-I.CA.
Can you provide the valuation status for NATIONAL BANK OF CANADA - NACN 6.371 PERP?
ChartMill assigns a valuation rating of 6 / 10 to NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA). This can be considered as Fairly Valued.
How profitable is NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) stock?
NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) has a profitability rating of 2 / 10.
What is the financial health of NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) stock?
The financial health rating of NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) is 2 / 10.
Can you provide the dividend sustainability for NA-PR-I stock?
The dividend rating of NATIONAL BANK OF CANADA - NACN 6.371 PERP (NA-PR-I.CA) is 3 / 10 and the dividend payout ratio is 58.26%.