NATIONAL BANK OF CANADA - NACN 7.651 PERP (NA-PR-K.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:NA-PR-K - CA63307P7636
27.75 CAD
-0.23 (-0.82%)
We assign a fundamental rating of 4 out of 10 to NA-PR-K. NA-PR-K was compared to 25 industry peers in the Banks industry. Both the profitability and financial health of NA-PR-K have multiple concerns. NA-PR-K is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year NA-PR-K was profitable.
In the past year NA-PR-K had a positive cash flow from operations.
In the past 5 years NA-PR-K has always been profitable.
Of the past 5 years NA-PR-K 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-K is doing worse than 72.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.14%, NA-PR-K is doing worse than 84.00% of the companies in the same industry.
| 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-K's Profit Margin of 22.63% is on the low side compared to the rest of the industry. NA-PR-K is outperformed by 84.00% of its industry peers.
In the last couple of years the Profit Margin of NA-PR-K has declined.
The Operating Margin and Gross Margin are not available for NA-PR-K 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-K does not have a ROIC to compare to the WACC, probably because it is not profitable.
NA-PR-K has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, NA-PR-K has more shares outstanding
Compared to 1 year ago, NA-PR-K has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of NA-PR-K is 7.63, which is on the high side as it means it would take NA-PR-K, 7.63 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 7.63, NA-PR-K is doing good in the industry, outperforming 72.00% of the companies in the same industry.
NA-PR-K has a Debt/Equity ratio of 0.97. This is a neutral value indicating NA-PR-K is somewhat dependend on debt financing.
NA-PR-K has a Debt to Equity ratio of 0.97. This is amongst the best in the industry. NA-PR-K outperforms 92.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 7.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.3%
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-K shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.39% yearly.
Looking at the last year, NA-PR-K shows a small growth in Revenue. The Revenue has grown by 6.41% in the last year.
The Revenue has been growing slightly by 6.56% on average over the past years.
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 23.44% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 9.21% on average over the next years. This is quite good.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 2.51 indicates a rather cheap valuation of NA-PR-K.
NA-PR-K's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 25.45. NA-PR-K is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.34, the valuation of NA-PR-K can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as NA-PR-K.
NA-PR-K's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.51 | ||
| Fwd PE | 2.34 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NA-PR-K indicates a rather expensive valuation: NA-PR-K more expensive than 88.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NA-PR-K's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NA-PR-K's earnings are expected to grow with 23.44% in the coming years.
PEG (NY)0.04
PEG (5Y)0.14
EPS Next 2Y30.03%
EPS Next 3Y23.44%
5. Dividend
5.1 Amount
NA-PR-K has a Yearly Dividend Yield of 2.92%.
With a Dividend Yield of 2.92, NA-PR-K pays less dividend than the industry average, which is at 3.65. 88.00% of the companies listed in the same industry pay a better dividend than NA-PR-K!
NA-PR-K's Dividend Yield is a higher than the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
5.2 History
The dividend of NA-PR-K has a limited annual growth rate of 4.68%.
NA-PR-K is new to the dividend game and has less than 3 years of track record.
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-K. This is a bit on the high side, but may be sustainable.
The dividend of NA-PR-K is growing, but earnings are growing more, so the dividend growth is sustainable.
DP58.26%
EPS Next 2Y30.03%
EPS Next 3Y23.44%
NATIONAL BANK OF CANADA - NACN 7.651 PERP
TSX:NA-PR-K (11/20/2025, 7:00:00 PM)
27.75
-0.23 (-0.82%)
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 Cap10.88B
Revenue(TTM)1.18B
Net Income(TTM)267.88M
Analysts72.63
Price Target169.15 (509.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
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)2.63%
PT rev (3m)3.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-0.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.51 | ||
| Fwd PE | 2.34 | ||
| P/S | 9.19 | ||
| P/FCF | 19.69 | ||
| P/OCF | 15.89 | ||
| P/B | 2.5 | ||
| P/tB | 2.74 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.04
EY39.78%
EPS(NY)11.84
Fwd EY42.65%
FCF(TTM)1.41
FCFY5.08%
OCF(TTM)1.75
OCFY6.29%
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
WACC13.3%
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 7.651 PERP / NA-PR-K.CA FAQ
Can you provide the ChartMill fundamental rating for NATIONAL BANK OF CANADA - NACN 7.651 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to NA-PR-K.CA.
What is the valuation status for NA-PR-K stock?
ChartMill assigns a valuation rating of 5 / 10 to NATIONAL BANK OF CANADA - NACN 7.651 PERP (NA-PR-K.CA). This can be considered as Fairly Valued.
What is the profitability of NA-PR-K stock?
NATIONAL BANK OF CANADA - NACN 7.651 PERP (NA-PR-K.CA) has a profitability rating of 2 / 10.
How financially healthy is NATIONAL BANK OF CANADA - NACN 7.651 PERP?
The financial health rating of NATIONAL BANK OF CANADA - NACN 7.651 PERP (NA-PR-K.CA) is 2 / 10.
Is the dividend of NATIONAL BANK OF CANADA - NACN 7.651 PERP sustainable?
The dividend rating of NATIONAL BANK OF CANADA - NACN 7.651 PERP (NA-PR-K.CA) is 5 / 10 and the dividend payout ratio is 58.26%.