NATIONAL BANK OF CANADA - NACN 7.651 PERP (NA-PR-K.CA) Stock Fundamental Analysis
Canada - TSX:NA-PR-K - CA63307P7636
28 CAD
+0.07 (+0.25%)
Overall NA-PR-K gets a fundamental rating of 4 out of 10. We evaluated NA-PR-K against 26 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 overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
NA-PR-K had positive earnings in the past year.
In the past year NA-PR-K had a positive cash flow from operations.
NA-PR-K had positive earnings in each of the past 5 years.
NA-PR-K had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of NA-PR-K (0.62%) is worse than 73.08% of its industry peers.
NA-PR-K has a worse Return On Equity (6.14%) than 84.62% 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-K has a worse Profit Margin (22.63%) than 84.62% 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.
Compared to 1 year ago, NA-PR-K has more shares outstanding
The number of shares outstanding for NA-PR-K has been increased compared to 5 years ago.
NA-PR-K has a worse debt/assets ratio than last year.
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 fine compared to the rest of the industry. NA-PR-K outperforms 73.08% 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.
Looking at the Debt to Equity ratio, with a value of 0.97, NA-PR-K belongs to the top of the industry, outperforming 92.31% 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
WACC13.45%
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.
The Revenue has been growing slightly by 6.41% in the past year.
Measured over the past years, NA-PR-K 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
Based on estimates for the next years, NA-PR-K will show a very strong growth in Earnings Per Share. The EPS will grow by 23.41% on average per year.
NA-PR-K is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.18% yearly.
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
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.
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
A Price/Earnings ratio of 2.54 indicates a rather cheap valuation of NA-PR-K.
Based on the Price/Earnings ratio, NA-PR-K is valued a bit cheaper than 61.54% of the companies in the same industry.
When comparing the Price/Earnings ratio of NA-PR-K to the average of the S&P500 Index (27.20), we can say NA-PR-K is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 2.35, the valuation of NA-PR-K can be described as very cheap.
NA-PR-K's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NA-PR-K is cheaper than 61.54% of the companies in the same industry.
NA-PR-K's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.54 | ||
| Fwd PE | 2.35 |
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 88.46% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.86 | ||
| 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.
A more expensive valuation may be justified as NA-PR-K's earnings are expected to grow with 23.41% in the coming years.
PEG (NY)0.04
PEG (5Y)0.15
EPS Next 2Y30.35%
EPS Next 3Y23.41%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.16%, NA-PR-K has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.25, NA-PR-K's dividend is way lower than its industry peers. On top of this 88.46% 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.16% |
5.2 History
The dividend of NA-PR-K has a limited annual growth rate of 4.68%.
NA-PR-K 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-K 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-K 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 7.651 PERP
TSX:NA-PR-K (9/17/2025, 7:00:00 PM)
28
+0.07 (+0.25%)
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 Cap10.98B
Analysts72.63
Price Target164.8 (488.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.16% |
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)6.39%
PT rev (3m)12.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)222.74%
EPS NY rev (3m)222.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)3.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.54 | ||
| Fwd PE | 2.35 | ||
| P/S | 9.27 | ||
| P/FCF | 19.86 | ||
| P/OCF | 16.03 | ||
| P/B | 2.52 | ||
| P/tB | 2.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.04
EY39.43%
EPS(NY)11.89
Fwd EY42.48%
FCF(TTM)1.41
FCFY5.04%
OCF(TTM)1.75
OCFY6.24%
SpS3.02
BVpS11.12
TBVpS10.15
PEG (NY)0.04
PEG (5Y)0.15
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
WACC13.45%
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%