POWER FINANCIAL CORP - PWFCN 4 1/2 PERP (PWF-PF-A.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PWF-PF-A - CA73927C1187
20.62 CAD
-0.15 (-0.72%)
Overall PWF-PF-A gets a fundamental rating of 3 out of 10. We evaluated PWF-PF-A against 81 industry peers in the Insurance industry. PWF-PF-A may be in some trouble as it scores bad on both profitability and health. PWF-PF-A has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
PWF-PF-A had positive earnings in the past year.
PWF-PF-A had a positive operating cash flow in the past year.
Each year in the past 5 years PWF-PF-A has been profitable.
Each year in the past 5 years PWF-PF-A had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.29%, PWF-PF-A is not doing good in the industry: 83.95% of the companies in the same industry are doing better.
The Return On Equity of PWF-PF-A (9.91%) is worse than 82.72% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.45%, PWF-PF-A is doing worse than 65.43% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PWF-PF-A is in line with the industry average of 2.53%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.29% | ||
| ROE | 9.91% | ||
| ROIC | 0.45% |
ROA(3y)0.35%
ROA(5y)0.36%
ROE(3y)11.05%
ROE(5y)10.31%
ROIC(3y)0.59%
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 7.08%, PWF-PF-A is not doing good in the industry: 81.48% of the companies in the same industry are doing better.
PWF-PF-A's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 15.13%, PWF-PF-A is not doing good in the industry: 69.14% of the companies in the same industry are doing better.
PWF-PF-A's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.13% | ||
| PM (TTM) | 7.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y9.41%
PM growth 3Y27.46%
PM growth 5Y8.21%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PWF-PF-A has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for PWF-PF-A has been reduced compared to 1 year ago.
The number of shares outstanding for PWF-PF-A has been reduced compared to 5 years ago.
Compared to 1 year ago, PWF-PF-A has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PWF-PF-A is 4.19, which is a neutral value as it means it would take PWF-PF-A, 4.19 years of fcf income to pay off all of its debts.
PWF-PF-A has a worse Debt to FCF ratio (4.19) than 83.95% of its industry peers.
A Debt/Equity ratio of 0.90 indicates that PWF-PF-A is somewhat dependend on debt financing.
PWF-PF-A has a Debt to Equity ratio of 0.90. This is amonst the worse of the industry: PWF-PF-A underperforms 82.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | 4.19 | ||
| Altman-Z | N/A |
ROIC/WACC0.13
WACC3.34%
2.3 Liquidity
A Current Ratio of 0.13 indicates that PWF-PF-A may have some problems paying its short term obligations.
PWF-PF-A has a Current ratio of 0.13. This is in the better half of the industry: PWF-PF-A outperforms 60.49% of its industry peers.
PWF-PF-A has a Quick Ratio of 0.13. This is a bad value and indicates that PWF-PF-A is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of PWF-PF-A (0.13) is better than 60.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.61% over the past year.
PWF-PF-A shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.06% yearly.
PWF-PF-A shows a small growth in Revenue. In the last year, the Revenue has grown by 5.25%.
PWF-PF-A shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.00% yearly.
EPS 1Y (TTM)0.61%
EPS 3Y2.43%
EPS 5Y1.06%
EPS Q2Q%369.23%
Revenue 1Y (TTM)5.25%
Revenue growth 3Y-18.99%
Revenue growth 5Y-8%
Sales Q2Q%3.45%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.27, the valuation of PWF-PF-A can be described as very cheap.
67.90% of the companies in the same industry are cheaper than PWF-PF-A, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PWF-PF-A to the average of the S&P500 Index (26.15), we can say PWF-PF-A is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.27 | ||
| Fwd PE | N/A |
4.2 Price Multiples
96.30% of the companies in the same industry are more expensive than PWF-PF-A, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.02 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)5.91
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.60%, PWF-PF-A is a good candidate for dividend investing.
PWF-PF-A's Dividend Yield is rather good when compared to the industry average which is at 4.32. PWF-PF-A pays more dividend than 81.48% of the companies in the same industry.
PWF-PF-A's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
5.2 History
The dividend of PWF-PF-A has a limited annual growth rate of 4.35%.
PWF-PF-A has been paying a dividend for over 5 years, so it has already some track record.
PWF-PF-A has decreased its dividend recently.
Dividend Growth(5Y)4.35%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
PWF-PF-A pays out 64.97% of its income as dividend. This is not a sustainable payout ratio.
PWF-PF-A's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP64.97%
EPS Next 2YN/A
EPS Next 3YN/A
POWER FINANCIAL CORP - PWFCN 4 1/2 PERP
TSX:PWF-PF-A (12/2/2025, 7:00:00 PM)
20.62
-0.15 (-0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners4.63%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap82.48M
Revenue(TTM)30.99B
Net Income(TTM)2.19B
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
Yearly Dividend2.36
Dividend Growth(5Y)4.35%
DP64.97%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.27 | ||
| Fwd PE | N/A | ||
| P/S | 0 | ||
| P/FCF | 0.02 | ||
| P/OCF | 0.01 | ||
| P/B | 0 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.29
EY15.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY5773.52%
OCF(TTM)1483.25
OCFY7193.26%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)5.91
Graham Number640.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.29% | ||
| ROE | 9.91% | ||
| ROCE | 0.63% | ||
| ROIC | 0.45% | ||
| ROICexc | 0.46% | ||
| ROICexgc | 1.37% | ||
| OM | 15.13% | ||
| PM (TTM) | 7.08% | ||
| GM | N/A | ||
| FCFM | 15.37% |
ROA(3y)0.35%
ROA(5y)0.36%
ROE(3y)11.05%
ROE(5y)10.31%
ROIC(3y)0.59%
ROIC(5y)N/A
ROICexc(3y)0.6%
ROICexc(5y)N/A
ROICexgc(3y)1.74%
ROICexgc(5y)N/A
ROCE(3y)0.82%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-3.86%
ROICexc growth 3YN/A
ROICexc growth 5Y-9.29%
OM growth 3YN/A
OM growth 5Y9.41%
PM growth 3Y27.46%
PM growth 5Y8.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | 4.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 3.78% | ||
| Interest Coverage | 4.86 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 216.95% | ||
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 | ||
| Altman-Z | N/A |
F-Score6
WACC3.34%
ROIC/WACC0.13
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.44%
Cap/Sales(5y)N/A
Profit Quality(3y)244.55%
Profit Quality(5y)316.35%
High Growth Momentum
Growth
EPS 1Y (TTM)0.61%
EPS 3Y2.43%
EPS 5Y1.06%
EPS Q2Q%369.23%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.25%
Revenue growth 3Y-18.99%
Revenue growth 5Y-8%
Sales Q2Q%3.45%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-6.73%
EBIT growth 3YN/A
EBIT growth 5Y0.65%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.03%
FCF growth 3Y-22.17%
FCF growth 5Y-7.46%
OCF growth 1Y39.47%
OCF growth 3Y-16.25%
OCF growth 5Y-3.61%
POWER FINANCIAL CORP - PWFCN 4 1/2 PERP / PWF-PF-A.CA FAQ
What is the ChartMill fundamental rating of POWER FINANCIAL CORP - PWFCN 4 1/2 PERP (PWF-PF-A.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PWF-PF-A.CA.
What is the valuation status for PWF-PF-A stock?
ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 4 1/2 PERP (PWF-PF-A.CA). This can be considered as Overvalued.
What is the profitability of PWF-PF-A stock?
POWER FINANCIAL CORP - PWFCN 4 1/2 PERP (PWF-PF-A.CA) has a profitability rating of 3 / 10.
What are the PE and PB ratios of POWER FINANCIAL CORP - PWFCN 4 1/2 PERP (PWF-PF-A.CA) stock?
The Price/Earnings (PE) ratio for POWER FINANCIAL CORP - PWFCN 4 1/2 PERP (PWF-PF-A.CA) is 6.27 and the Price/Book (PB) ratio is 0.