NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) Fundamental Analysis & Valuation

TSX:NA-PR-W • CA6330672859

Current stock price

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This NA-PR-W.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NA-PR-W.CA Profitability Analysis

1.1 Basic Checks

  • NA-PR-W had positive earnings in the past year.
  • NA-PR-W had a positive operating cash flow in the past year.
  • Each year in the past 5 years NA-PR-W has been profitable.
  • NA-PR-W had a positive operating cash flow in 4 of the past 5 years.
NA-PR-W.CA Yearly Net Income VS EBIT VS OCF VS FCFNA-PR-W.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 0 5B 10B 15B

1.2 Ratios

  • NA-PR-W has a Return On Assets of 0.79%. This is amongst the best in the industry. NA-PR-W outperforms 96.77% of its industry peers.
  • NA-PR-W's Return On Equity of 14.34% is amongst the best of the industry. NA-PR-W outperforms 100.00% of its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 14.34%
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
NA-PR-W.CA Yearly ROA, ROE, ROICNA-PR-W.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 32.13%, NA-PR-W belongs to the best of the industry, outperforming 96.77% of the companies in the same industry.
  • NA-PR-W's Profit Margin has improved in the last couple of years.
  • NA-PR-W does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 32.13%
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
NA-PR-W.CA Yearly Profit, Operating, Gross MarginsNA-PR-W.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. NA-PR-W.CA Health Analysis

2.1 Basic Checks

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

2.2 Solvency

  • The Debt to FCF ratio of NA-PR-W is 12.12, which is on the high side as it means it would take NA-PR-W, 12.12 years of fcf income to pay off all of its debts.
  • NA-PR-W's Debt to FCF ratio of 12.12 is fine compared to the rest of the industry. NA-PR-W outperforms 61.29% of its industry peers.
  • NA-PR-W has a Debt/Equity ratio of 1.99. This is a high value indicating a heavy dependency on external financing.
  • With an excellent Debt to Equity ratio value of 1.99, NA-PR-W belongs to the best of the industry, outperforming 90.32% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.99
Debt/FCF 12.12
Altman-Z N/A
ROIC/WACCN/A
WACC23.25%
NA-PR-W.CA Yearly LT Debt VS Equity VS FCFNA-PR-W.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B

2.3 Liquidity

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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. NA-PR-W.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.34% over the past year.
  • Measured over the past years, NA-PR-W shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.31% on average per year.
  • Looking at the last year, NA-PR-W shows a quite strong growth in Revenue. The Revenue has grown by 12.09% in the last year.
  • NA-PR-W shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.93% yearly.
EPS 1Y (TTM)8.34%
EPS 3Y5.02%
EPS 5Y10.31%
EPS Q2Q%5.74%
Revenue 1Y (TTM)12.09%
Revenue growth 3Y8.49%
Revenue growth 5Y8.93%
Sales Q2Q%8.34%

3.2 Future

  • NA-PR-W is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.13% yearly.
  • The Revenue is expected to grow by 10.22% on average over the next years. This is quite good.
EPS Next Y4.31%
EPS Next 2Y7.08%
EPS Next 3Y9.52%
EPS Next 5Y7.13%
Revenue Next Year16.22%
Revenue Next 2Y11.63%
Revenue Next 3Y10.22%
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.
NA-PR-W.CA Yearly Revenue VS EstimatesNA-PR-W.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
NA-PR-W.CA Yearly EPS VS EstimatesNA-PR-W.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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6

4. NA-PR-W.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.41, the valuation of NA-PR-W can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of NA-PR-W indicates a rather cheap valuation: NA-PR-W is cheaper than 83.87% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of NA-PR-W to the average of the S&P500 Index (25.73), we can say NA-PR-W is valued rather cheaply.
  • NA-PR-W is valuated cheaply with a Price/Forward Earnings ratio of 2.31.
  • 80.65% of the companies in the same industry are more expensive than NA-PR-W, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of NA-PR-W to the average of the S&P500 Index (23.72), we can say NA-PR-W is valued rather cheaply.
Industry RankSector Rank
PE 2.41
Fwd PE 2.31
NA-PR-W.CA Price Earnings VS Forward Price EarningsNA-PR-W.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NA-PR-W's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 2.32
EV/EBITDA N/A
NA-PR-W.CA Per share dataNA-PR-W.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • NA-PR-W's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.56
PEG (5Y)0.23
EPS Next 2Y7.08%
EPS Next 3Y9.52%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. NA-PR-W.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.69%, NA-PR-W has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.25, NA-PR-W has a dividend in line with its industry peers.
  • NA-PR-W's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.69%

5.2 History

  • The dividend of NA-PR-W is nicely growing with an annual growth rate of 10.25%!
  • NA-PR-W has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NA-PR-W has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.25%
Div Incr Years0
Div Non Decr Years3
NA-PR-W.CA Yearly Dividends per shareNA-PR-W.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • NA-PR-W pays out 44.77% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • NA-PR-W's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP44.77%
EPS Next 2Y7.08%
EPS Next 3Y9.52%
NA-PR-W.CA Yearly Income VS Free CF VS DividendNA-PR-W.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B
NA-PR-W.CA Dividend Payout.NA-PR-W.CA Dividend Payout, showing the Payout Ratio.NA-PR-W.CA Dividend Payout.PayoutRetained Earnings

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NA-PR-W.CA Fundamentals: All Metrics, Ratios and Statistics

NATIONAL BANK OF CANADA - NACN 3.839 PERP

TSX:NA-PR-W (2/14/2025, 7:00:00 PM)

25

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-04
Earnings (Next)02-26
Inst Owners32.19%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap9.78B
Revenue(TTM)11.40B
Net Income(TTM)3.66B
Analysts76
Price Target28.33 (13.32%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.69%
Yearly Dividend4.83
Dividend Growth(5Y)10.25%
DP44.77%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.07%
Min EPS beat(2)-2.42%
Max EPS beat(2)4.56%
EPS beat(4)3
Avg EPS beat(4)2.38%
Min EPS beat(4)-2.42%
Max EPS beat(4)6.72%
EPS beat(8)5
Avg EPS beat(8)0.68%
EPS beat(12)7
Avg EPS beat(12)1.54%
EPS beat(16)10
Avg EPS beat(16)3.34%
Revenue beat(2)1
Avg Revenue beat(2)-0.17%
Min Revenue beat(2)-1.39%
Max Revenue beat(2)1.05%
Revenue beat(4)2
Avg Revenue beat(4)-0.13%
Min Revenue beat(4)-1.39%
Max Revenue beat(4)1.15%
Revenue beat(8)3
Avg Revenue beat(8)-1.51%
Revenue beat(12)4
Avg Revenue beat(12)-1.91%
Revenue beat(16)5
Avg Revenue beat(16)-1.86%
PT rev (1m)4.17%
PT rev (3m)23.14%
EPS NQ rev (1m)1%
EPS NQ rev (3m)5.11%
EPS NY rev (1m)-2.14%
EPS NY rev (3m)-1.79%
Revenue NQ rev (1m)2.24%
Revenue NQ rev (3m)3.14%
Revenue NY rev (1m)5.83%
Revenue NY rev (3m)10.36%
Valuation
Industry RankSector Rank
PE 2.41
Fwd PE 2.31
P/S 0.86
P/FCF 2.32
P/OCF 2.1
P/B 0.38
P/tB 0.43
EV/EBITDA N/A
EPS(TTM)10.39
EY41.56%
EPS(NY)10.84
Fwd EY43.35%
FCF(TTM)10.76
FCFY43.04%
OCF(TTM)11.89
OCFY47.57%
SpS29.14
BVpS65.31
TBVpS58.27
PEG (NY)0.56
PEG (5Y)0.23
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 14.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.13%
GM N/A
FCFM 36.92%
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
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-2.07%
PM growth 5Y2.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.99
Debt/FCF 12.12
Debt/EBITDA N/A
Cap/Depr 86.19%
Cap/Sales 3.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 114.91%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC23.25%
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)8.34%
EPS 3Y5.02%
EPS 5Y10.31%
EPS Q2Q%5.74%
EPS Next Y4.31%
EPS Next 2Y7.08%
EPS Next 3Y9.52%
EPS Next 5Y7.13%
Revenue 1Y (TTM)12.09%
Revenue growth 3Y8.49%
Revenue growth 5Y8.93%
Sales Q2Q%8.34%
Revenue Next Year16.22%
Revenue Next 2Y11.63%
Revenue Next 3Y10.22%
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 1Y-12.57%
FCF growth 3Y-10.63%
FCF growth 5Y-12.35%
OCF growth 1Y-9.95%
OCF growth 3Y-8.7%
OCF growth 5Y-10.89%

NATIONAL BANK OF CANADA - NACN 3.839 PERP / NA-PR-W.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to NA-PR-W.CA.


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

ChartMill assigns a valuation rating of 7 / 10 to NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA). This can be considered as Undervalued.


How profitable is NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) stock?

NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) has a profitability rating of 5 / 10.


What is the valuation of NATIONAL BANK OF CANADA - NACN 3.839 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) is 2.41 and the Price/Book (PB) ratio is 0.38.


Is the dividend of NATIONAL BANK OF CANADA - NACN 3.839 PERP sustainable?

The dividend rating of NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) is 5 / 10 and the dividend payout ratio is 44.77%.