NATIONAL BANK OF CANADA - NACN 6.191 PERP (NA-PR-S.CA) Stock Fundamental Analysis
Canada - TSX:NA-PR-S - CA6330673196
25.62 CAD
0 (0%)
Overall NA-PR-S gets a fundamental rating of 3 out of 10. We evaluated NA-PR-S against 26 industry peers in the Banks industry. NA-PR-S may be in some trouble as it scores bad on both profitability and health. NA-PR-S has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year NA-PR-S was profitable.
NA-PR-S had a positive operating cash flow in the past year.
Each year in the past 5 years NA-PR-S has been profitable.
Of the past 5 years NA-PR-S 4 years had a positive operating cash flow.
1.2 Ratios
NA-PR-S has a Return On Assets (0.68%) which is comparable to the rest of the industry.
NA-PR-S has a Return On Equity (11.23%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 11.23% | ||
| ROIC | N/A |
ROA(3y)0.78%
ROA(5y)0.76%
ROE(3y)14.26%
ROE(5y)14.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NA-PR-S has a Profit Margin (28.35%) which is in line with its industry peers.
NA-PR-S's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for NA-PR-S so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.35% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.07%
PM growth 5Y2.22%
GM growth 3YN/A
GM growth 5YN/A
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.
Compared to 1 year ago, NA-PR-S has more shares outstanding
NA-PR-S has more shares outstanding than it did 5 years ago.
The debt/assets ratio for NA-PR-S has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NA-PR-S is 17.68, which is on the high side as it means it would take NA-PR-S, 17.68 years of fcf income to pay off all of its debts.
NA-PR-S's Debt to FCF ratio of 17.68 is on the low side compared to the rest of the industry. NA-PR-S is outperformed by 65.38% of its industry peers.
NA-PR-S has a Debt/Equity ratio of 1.92. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.92, NA-PR-S belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.92 | ||
| Debt/FCF | 17.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.27%
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 been growing slightly by 7.71% over the past year.
The Earnings Per Share has been growing by 10.31% on average over the past years. This is quite good.
The Revenue has grown by 19.69% in the past year. This is quite good.
NA-PR-S shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.93% yearly.
EPS 1Y (TTM)7.71%
EPS 3Y5.02%
EPS 5Y10.31%
EPS Q2Q%0%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y8.49%
Revenue growth 5Y8.93%
Sales Q2Q%15.66%
3.2 Future
Based on estimates for the next years, NA-PR-S will show a small growth in Earnings Per Share. The EPS will grow by 1.35% on average per year.
The Revenue is expected to grow by 9.18% on average over the next years. This is quite good.
EPS Next Y9.8%
EPS Next 2Y7.51%
EPS Next 3Y8.54%
EPS Next 5Y1.35%
Revenue Next Year19.13%
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 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.32, which 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 80.77% of the companies listed in the same industry.
NA-PR-S is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 2.13 indicates a rather cheap valuation of NA-PR-S.
Based on the Price/Forward Earnings ratio, NA-PR-S is valued a bit cheaper than 76.92% of the companies in the same industry.
NA-PR-S's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.32 | ||
| Fwd PE | 2.13 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as NA-PR-S.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NA-PR-S's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.24
PEG (5Y)0.22
EPS Next 2Y7.51%
EPS Next 3Y8.54%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.14%, NA-PR-S has a reasonable but not impressive dividend return.
NA-PR-S's Dividend Yield is slightly below the industry average, which is at 4.04.
NA-PR-S's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
5.2 History
On average, the dividend of NA-PR-S grows each year by 10.25%, which is quite nice.
NA-PR-S has been paying a dividend for at least 10 years, so it has a reliable track record.
NA-PR-S has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.25%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
NA-PR-S pays out 49.67% of its income as dividend. This is a bit on the high side, but may be sustainable.
NA-PR-S's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP49.67%
EPS Next 2Y7.51%
EPS Next 3Y8.54%
NATIONAL BANK OF CANADA - NACN 6.191 PERP
TSX:NA-PR-S (9/19/2025, 7:00:00 PM)
25.62
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.35%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap10.05B
Analysts74.29
Price Target26.59 (3.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Yearly Dividend4.83
Dividend Growth(5Y)10.25%
DP49.67%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.9%
Min EPS beat(2)-3.39%
Max EPS beat(2)15.18%
EPS beat(4)2
Avg EPS beat(4)4.18%
Min EPS beat(4)-3.39%
Max EPS beat(4)15.18%
EPS beat(8)6
Avg EPS beat(8)4.17%
EPS beat(12)7
Avg EPS beat(12)1.21%
EPS beat(16)9
Avg EPS beat(16)2.08%
Revenue beat(2)1
Avg Revenue beat(2)1.73%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)7.89%
Revenue beat(4)2
Avg Revenue beat(4)1.32%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)7.89%
Revenue beat(8)5
Avg Revenue beat(8)0.94%
Revenue beat(12)5
Avg Revenue beat(12)-1.22%
Revenue beat(16)6
Avg Revenue beat(16)-1.46%
PT rev (1m)3.59%
PT rev (3m)0.57%
EPS NQ rev (1m)-2.14%
EPS NQ rev (3m)-3.22%
EPS NY rev (1m)0%
EPS NY rev (3m)5.14%
Revenue NQ rev (1m)-1.39%
Revenue NQ rev (3m)6.45%
Revenue NY rev (1m)-0.53%
Revenue NY rev (3m)3.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.32 | ||
| Fwd PE | 2.13 | ||
| P/S | 0.76 | ||
| P/FCF | 2.77 | ||
| P/OCF | 2.59 | ||
| P/B | 0.3 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.04
EY43.09%
EPS(NY)12.01
Fwd EY46.88%
FCF(TTM)9.27
FCFY36.17%
OCF(TTM)9.9
OCFY38.63%
SpS33.73
BVpS85.12
TBVpS72.59
PEG (NY)0.24
PEG (5Y)0.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 11.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.35% | ||
| GM | N/A | ||
| FCFM | 27.47% |
ROA(3y)0.78%
ROA(5y)0.76%
ROE(3y)14.26%
ROE(5y)14.14%
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-2.07%
PM growth 5Y2.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.92 | ||
| Debt/FCF | 17.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 43.59% | ||
| Cap/Sales | 1.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 96.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC23.27%
ROIC/WACCN/A
Cap/Depr(3y)71.63%
Cap/Depr(5y)60.13%
Cap/Sales(3y)3.48%
Cap/Sales(5y)3.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.71%
EPS 3Y5.02%
EPS 5Y10.31%
EPS Q2Q%0%
EPS Next Y9.8%
EPS Next 2Y7.51%
EPS Next 3Y8.54%
EPS Next 5Y1.35%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y8.49%
Revenue growth 5Y8.93%
Sales Q2Q%15.66%
Revenue Next Year19.13%
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 1Y118.33%
FCF growth 3Y-10.63%
FCF growth 5Y-12.35%
OCF growth 1Y93.76%
OCF growth 3Y-8.7%
OCF growth 5Y-10.89%