NA-PR-K Fundamental Analysis - NATIONAL BANK OF CANADA - NACN 7.651 PERP

Fundamental Rating

Overall NA-PR-K gets a fundamental rating of 3 out of 10. We evaluated NA-PR-K against 23 industry peers in the Banks industry. NA-PR-K may be in some trouble as it scores bad on both profitability and health. NA-PR-K is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

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

NA-PR-K had a positive operating cash flow in the past year.

NA-PR-K had positive earnings in 4 of the past 5 years.

In multiple years NA-PR-K reported negative operating cash flow during the last 5 years.

1.2 Ratios

NA-PR-K's Return On Assets of 0.62% is on the low side compared to the rest of the industry. NA-PR-K is outperformed by 60.87% of its industry peers.

Looking at the Return On Equity, with a value of 6.14%, NA-PR-K is doing worse than 78.26% 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

With a Profit Margin value of 22.63%, NA-PR-K is not doing good in the industry: 73.91% of the companies in the same industry are doing better.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

There is no outstanding debt for NA-PR-K. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

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.

NA-PR-K's Debt to FCF ratio of 7.63 is amongst the best of the industry. NA-PR-K outperforms 82.61% of its industry peers.

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.

With an excellent Debt to Equity ratio value of 0.97, NA-PR-K belongs to the best of the industry, outperforming 91.30% 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

WACC13.22%

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

The Earnings Per Share has grown by an impressive 61.14% over the past year.

Measured over the past years, NA-PR-K shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.03% on average per year.

EPS 1Y (TTM)61.14%

EPS 3Y46.2%

EPS 5Y31.03%

EPS Q2Q%9.3%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%23.72%

3.2 Future

NA-PR-K is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.64% yearly.

Based on estimates for the next years, NA-PR-K will show a small growth in Revenue. The Revenue will grow by 4.77% on average per year.

EPS Next Y5.64%

EPS Next 2Y8.64%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.8%

Revenue Next 2Y4.77%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.50, which indicates a rather cheap valuation of NA-PR-K.

NA-PR-K's Price/Earnings ratio is a bit cheaper when compared to the industry. NA-PR-K is cheaper than 69.57% of the companies in the same industry.

NA-PR-K's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.57.

NA-PR-K is valuated cheaply with a Price/Forward Earnings ratio of 2.36.

NA-PR-K's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NA-PR-K is cheaper than 69.57% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 24.04. NA-PR-K is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	2.5
Fwd PE	2.36

4.2 Price Multiples

69.57% of the companies in the same industry are cheaper than NA-PR-K, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	19.93
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.

PEG (NY)0.44

PEG (5Y)0.08

EPS Next 2Y8.64%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.86%, NA-PR-K has a reasonable but not impressive dividend return.

NA-PR-K's Dividend Yield is slightly below the industry average, which is at 3.01.

NA-PR-K's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.

		Industry Rank	Sector Rank
Dividend Yield	2.86%

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 2Y8.64%

EPS Next 3YN/A

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NATIONAL BANK OF CANADA - NACN 7.651 PERP

TSX:NA-PR-K (12/23/2025, 7:00:00 PM)

28.18

+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 Owners12.33%

Inst Owner ChangeN/A

Ins Owners0.05%

Ins Owner ChangeN/A

Market Cap11.02B

Revenue(TTM)N/A

Net Income(TTM)267.88M

Analysts73

Price Target188.89 (570.3%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.86%

Yearly Dividend1.62

Dividend Growth(5Y)4.68%

DP58.26%

Div Incr Years0

Div Non Decr Years0

Ex-Date01-23 2026-01-23 (0.4781875)

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)11.67%

PT rev (3m)14.61%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0.43%

EPS NY rev (3m)0.05%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)0.06%

Valuation

		Industry Rank	Sector Rank
PE	2.5
Fwd PE	2.36
P/S	9.31
P/FCF	19.93
P/OCF	16.08
P/B	2.53
P/tB	2.77
EV/EBITDA	N/A

EPS(TTM)11.28

EY40.03%

EPS(NY)11.92

Fwd EY42.28%

FCF(TTM)1.41

FCFY5.02%

OCF(TTM)1.75

OCFY6.22%

SpS3.03

BVpS11.15

TBVpS10.18

PEG (NY)0.44

PEG (5Y)0.08

Graham Number53.2

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

WACC13.22%

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)61.14%

EPS 3Y46.2%

EPS 5Y31.03%

EPS Q2Q%9.3%

EPS Next Y5.64%

EPS Next 2Y8.64%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%23.72%

Revenue Next Year4.8%

Revenue Next 2Y4.77%

Revenue Next 3YN/A

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 3 / 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 1 / 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 3 / 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 4 / 10 and the dividend payout ratio is 58.26%.

NATIONAL BANK OF CANADA - NACN 7.651 PERP (NA-PR-K.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 7.651 PERP / NA-PR-K.CA FAQ

Can you provide the ChartMill fundamental rating for NATIONAL BANK OF CANADA - NACN 7.651 PERP?

What is the valuation status for NA-PR-K stock?

What is the profitability of NA-PR-K stock?

How financially healthy is NATIONAL BANK OF CANADA - NACN 7.651 PERP?

Is the dividend of NATIONAL BANK OF CANADA - NACN 7.651 PERP sustainable?