NATIONAL BANK OF CANADA - NACN 6.191 PERP (NA-PR-S.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:NA-PR-S • CA6330673196

26.07 CAD
-0.12 (-0.46%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

4

Overall NA-PR-S gets a fundamental rating of 4 out of 10. We evaluated NA-PR-S against 24 industry peers in the Banks industry. There are concerns on the financial health of NA-PR-S while its profitability can be described as average. NA-PR-S is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • NA-PR-S had positive earnings in the past year.
  • NA-PR-S had a positive operating cash flow in the past year.
  • NA-PR-S had positive earnings in each of the past 5 years.
  • NA-PR-S had a positive operating cash flow in 4 of the past 5 years.
NA-PR-S.CA Yearly Net Income VS EBIT VS OCF VS FCFNA-PR-S.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

1.2 Ratios

  • NA-PR-S has a Return On Assets (0.67%) which is comparable to the rest of the industry.
  • The Return On Equity of NA-PR-S (11.41%) is better than 62.50% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 11.41%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.77%
ROE(3y)13.03%
ROE(5y)14.07%
ROIC(3y)N/A
ROIC(5y)N/A
NA-PR-S.CA Yearly ROA, ROE, ROICNA-PR-S.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 27.55%, NA-PR-S is doing good in the industry, outperforming 62.50% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NA-PR-S has grown nicely.
  • The Operating Margin and Gross Margin are not available for NA-PR-S so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.55%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.72%
PM growth 5Y2.58%
GM growth 3YN/A
GM growth 5YN/A
NA-PR-S.CA Yearly Profit, Operating, Gross MarginsNA-PR-S.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. Health

2.1 Basic Checks

  • NA-PR-S does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for NA-PR-S has been increased compared to 1 year ago.
  • The number of shares outstanding for NA-PR-S has been increased compared to 5 years ago.
  • Compared to 1 year ago, NA-PR-S has an improved debt to assets ratio.
NA-PR-S.CA Yearly Shares OutstandingNA-PR-S.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
NA-PR-S.CA Yearly Total Debt VS Total AssetsNA-PR-S.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • The Debt to FCF ratio of NA-PR-S is 13.40, which is on the high side as it means it would take NA-PR-S, 13.40 years of fcf income to pay off all of its debts.
  • NA-PR-S's Debt to FCF ratio of 13.40 is fine compared to the rest of the industry. NA-PR-S outperforms 66.67% of its industry peers.
  • A Debt/Equity ratio of 1.74 is on the high side and indicates that NA-PR-S has dependencies on debt financing.
  • NA-PR-S has a better Debt to Equity ratio (1.74) than 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF 13.4
Altman-Z N/A
ROIC/WACCN/A
WACC22.46%
NA-PR-S.CA Yearly LT Debt VS Equity VS FCFNA-PR-S.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NA-PR-S.CA Yearly Current Assets VS Current LiabilitesNA-PR-S.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

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5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.57% over the past year.
  • NA-PR-S shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.23% yearly.
  • NA-PR-S shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.63%.
  • The Revenue has been growing by 12.02% on average over the past years. This is quite good.
EPS 1Y (TTM)8.57%
EPS 3Y5.41%
EPS 5Y13.23%
EPS Q2Q%9.3%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y13.14%
Revenue growth 5Y12.02%
Sales Q2Q%23.72%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.53% on average over the next years.
  • NA-PR-S is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.57% yearly.
EPS Next Y10.19%
EPS Next 2Y11.45%
EPS Next 3Y10.07%
EPS Next 5Y5.53%
Revenue Next Year8.92%
Revenue Next 2Y7.6%
Revenue Next 3Y5.57%
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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
NA-PR-S.CA Yearly Revenue VS EstimatesNA-PR-S.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
NA-PR-S.CA Yearly EPS VS EstimatesNA-PR-S.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.31 indicates a rather cheap valuation of NA-PR-S.
  • Compared to the rest of the industry, the Price/Earnings ratio of NA-PR-S indicates a rather cheap valuation: NA-PR-S is cheaper than 87.50% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of NA-PR-S to the average of the S&P500 Index (28.41), we can say NA-PR-S is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 2.10, the valuation of NA-PR-S can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, NA-PR-S is valued cheaper than 87.50% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NA-PR-S to the average of the S&P500 Index (25.64), we can say NA-PR-S is valued rather cheaply.
Industry RankSector Rank
PE 2.31
Fwd PE 2.1
NA-PR-S.CA Price Earnings VS Forward Price EarningsNA-PR-S.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 83.33% of the companies in the same industry are more expensive than NA-PR-S, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.32
EV/EBITDA N/A
NA-PR-S.CA Per share dataNA-PR-S.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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.
PEG (NY)0.23
PEG (5Y)0.17
EPS Next 2Y11.45%
EPS Next 3Y10.07%

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5

5. Dividend

5.1 Amount

  • NA-PR-S has a Yearly Dividend Yield of 3.03%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.09, NA-PR-S has a dividend in line with its industry peers.
  • NA-PR-S's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.03%

5.2 History

  • The dividend of NA-PR-S is nicely growing with an annual growth rate of 6.57%!
  • NA-PR-S has paid a dividend for at least 10 years, which is a reliable track record.
  • NA-PR-S has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.57%
Div Incr Years1
Div Non Decr Years4
NA-PR-S.CA Yearly Dividends per shareNA-PR-S.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • NA-PR-S pays out 50.67% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of NA-PR-S is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP50.67%
EPS Next 2Y11.45%
EPS Next 3Y10.07%
NA-PR-S.CA Yearly Income VS Free CF VS DividendNA-PR-S.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B
NA-PR-S.CA Dividend Payout.NA-PR-S.CA Dividend Payout, showing the Payout Ratio.NA-PR-S.CA Dividend Payout.PayoutRetained Earnings

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NATIONAL BANK OF CANADA - NACN 6.191 PERP

TSX:NA-PR-S (2/2/2026, 7:00:00 PM)

26.07

-0.12 (-0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-03
Earnings (Next)02-25
Inst Owners38.54%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap10.19B
Revenue(TTM)13.98B
Net Income(TTM)3.85B
Analysts74.55
Price Target26.68 (2.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.03%
Yearly Dividend5.33
Dividend Growth(5Y)6.57%
DP50.67%
Div Incr Years1
Div Non Decr Years4
Ex-Date01-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.5%
Min EPS beat(2)-3.39%
Max EPS beat(2)4.39%
EPS beat(4)3
Avg EPS beat(4)5.88%
Min EPS beat(4)-3.39%
Max EPS beat(4)15.18%
EPS beat(8)6
Avg EPS beat(8)4.13%
EPS beat(12)8
Avg EPS beat(12)2.41%
EPS beat(16)10
Avg EPS beat(16)2.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)3.96%
Revenue beat(4)3
Avg Revenue beat(4)2.65%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)7.89%
Revenue beat(8)5
Avg Revenue beat(8)1.26%
Revenue beat(12)6
Avg Revenue beat(12)-0.12%
Revenue beat(16)7
Avg Revenue beat(16)-0.77%
PT rev (1m)1.86%
PT rev (3m)2.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.63%
EPS NY rev (1m)0%
EPS NY rev (3m)4.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.27%
Valuation
Industry RankSector Rank
PE 2.31
Fwd PE 2.1
P/S 0.73
P/FCF 2.32
P/OCF 2.2
P/B 0.3
P/tB 0.35
EV/EBITDA N/A
EPS(TTM)11.28
EY43.27%
EPS(NY)12.43
Fwd EY47.68%
FCF(TTM)11.26
FCFY43.19%
OCF(TTM)11.86
OCFY45.48%
SpS35.76
BVpS86.38
TBVpS73.97
PEG (NY)0.23
PEG (5Y)0.17
Graham Number148.06
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 11.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.55%
GM N/A
FCFM 31.49%
ROA(3y)0.73%
ROA(5y)0.77%
ROE(3y)13.03%
ROE(5y)14.07%
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-6.72%
PM growth 5Y2.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF 13.4
Debt/EBITDA N/A
Cap/Depr 35.63%
Cap/Sales 1.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 114.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC22.46%
ROIC/WACCN/A
Cap/Depr(3y)63%
Cap/Depr(5y)59.13%
Cap/Sales(3y)3.02%
Cap/Sales(5y)2.91%
Profit Quality(3y)127.34%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.57%
EPS 3Y5.41%
EPS 5Y13.23%
EPS Q2Q%9.3%
EPS Next Y10.19%
EPS Next 2Y11.45%
EPS Next 3Y10.07%
EPS Next 5Y5.53%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y13.14%
Revenue growth 5Y12.02%
Sales Q2Q%23.72%
Revenue Next Year8.92%
Revenue Next 2Y7.6%
Revenue Next 3Y5.57%
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 1Y4.59%
FCF growth 3YN/A
FCF growth 5Y-25.97%
OCF growth 1Y-0.37%
OCF growth 3YN/A
OCF growth 5Y-25.34%

NATIONAL BANK OF CANADA - NACN 6.191 PERP / NA-PR-S.CA FAQ

Can you provide the ChartMill fundamental rating for NATIONAL BANK OF CANADA - NACN 6.191 PERP?

ChartMill assigns a fundamental rating of 4 / 10 to NA-PR-S.CA.


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

ChartMill assigns a valuation rating of 8 / 10 to NATIONAL BANK OF CANADA - NACN 6.191 PERP (NA-PR-S.CA). This can be considered as Undervalued.


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

NATIONAL BANK OF CANADA - NACN 6.191 PERP (NA-PR-S.CA) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for NA-PR-S stock?

The Earnings per Share (EPS) of NATIONAL BANK OF CANADA - NACN 6.191 PERP (NA-PR-S.CA) is expected to grow by 10.19% in the next year.


How sustainable is the dividend of NATIONAL BANK OF CANADA - NACN 6.191 PERP (NA-PR-S.CA) stock?

The dividend rating of NATIONAL BANK OF CANADA - NACN 6.191 PERP (NA-PR-S.CA) is 5 / 10 and the dividend payout ratio is 50.67%.