NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) Stock Fundamental Analysis
Canada - TSX:NA-PR-W - CA6330672859
25 CAD
0 (0%)
We assign a fundamental rating of 5 out of 10 to NA-PR-W. NA-PR-W was compared to 26 industry peers in the Banks industry. There are concerns on the financial health of NA-PR-W while its profitability can be described as average. NA-PR-W has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year NA-PR-W was profitable.
In the past year NA-PR-W had a positive cash flow from operations.
NA-PR-W had positive earnings in each of the past 5 years.
NA-PR-W had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 0.79%, NA-PR-W belongs to the best of the industry, outperforming 96.77% of the companies in the same industry.
NA-PR-W has a better Return On Equity (14.34%) than 100.00% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 32.13%, NA-PR-W belongs to the top 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 Rank | Sector 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
2. Health
2.1 Basic Checks
NA-PR-W does not have a ROIC to compare to the WACC, probably because it is not profitable.
NA-PR-W has more shares outstanding than it did 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.
2.2 Solvency
NA-PR-W has a debt to FCF ratio of 12.12. This is a negative value and a sign of low solvency as NA-PR-W would need 12.12 years to pay back of all of its debts.
The Debt to FCF ratio of NA-PR-W (12.12) is better than 61.29% of its industry peers.
A Debt/Equity ratio of 1.99 is on the high side and indicates that NA-PR-W has dependencies on debt financing.
NA-PR-W has a better Debt to Equity ratio (1.99) than 90.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.99 | ||
| Debt/FCF | 12.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.25%
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 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.
Measured over the past years, NA-PR-W shows a quite strong growth in Revenue. The Revenue has been growing by 8.93% on average per year.
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
The Earnings Per Share is expected to grow by 7.13% on average over the next years.
NA-PR-W is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.22% yearly.
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a 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.
The average S&P500 Price/Earnings ratio is at 27.00. NA-PR-W is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 2.31, the valuation of NA-PR-W can be described as very cheap.
80.65% of the companies in the same industry are more expensive than NA-PR-W, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.87. NA-PR-W is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.41 | ||
| Fwd PE | 2.31 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as NA-PR-W.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.32 | ||
| 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.
PEG (NY)0.56
PEG (5Y)0.23
EPS Next 2Y7.08%
EPS Next 3Y9.52%
5. Dividend
5.1 Amount
NA-PR-W has a Yearly Dividend Yield of 3.69%. Purely for dividend investing, there may be better candidates out there.
NA-PR-W's Dividend Yield is comparable with the industry average which is at 3.60.
NA-PR-W's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
5.2 History
On average, the dividend of NA-PR-W grows each year by 10.25%, which is quite nice.
NA-PR-W has paid a dividend for at least 10 years, which is 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
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.
The dividend of NA-PR-W is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP44.77%
EPS Next 2Y7.08%
EPS Next 3Y9.52%
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)
Earnings (Next)
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
Yearly Dividend4.83
Dividend Growth(5Y)10.25%
DP44.77%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 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 of NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) 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.
Can you provide the PE and PB ratios for NA-PR-W stock?
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.
What is the expected EPS growth for NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) stock?
The Earnings per Share (EPS) of NATIONAL BANK OF CANADA - NACN 3.839 PERP (NA-PR-W.CA) is expected to grow by 4.31% in the next year.