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POWER FINANCIAL - PWFCN 3.66101 PERP (PWF-PR-A.CA) Stock Fundamental Analysis

TSX:PWF-PR-A - Toronto Stock Exchange - CA73927C2094 - Currency: CAD

13.56  +0.02 (+0.15%)

Fundamental Rating

3

Taking everything into account, PWF-PR-A scores 3 out of 10 in our fundamental rating. PWF-PR-A was compared to 81 industry peers in the Insurance industry. PWF-PR-A has a medium profitability rating, but doesn't score so well on its financial health evaluation. PWF-PR-A has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PWF-PR-A had positive earnings in the past year.
PWF-PR-A had a positive operating cash flow in the past year.
PWF-PR-A had positive earnings in each of the past 5 years.
PWF-PR-A had a positive operating cash flow in each of the past 5 years.
PWF-PR-A.CA Yearly Net Income VS EBIT VS OCF VS FCFPWF-PR-A.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B -2B 4B 6B 8B 10B

1.2 Ratios

The Return On Assets of PWF-PR-A (0.29%) is worse than 79.01% of its industry peers.
PWF-PR-A has a Return On Equity of 9.91%. This is comparable to the rest of the industry: PWF-PR-A outperforms 40.74% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.45%, PWF-PR-A is doing worse than 61.73% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PWF-PR-A is below the industry average of 2.70%.
Industry RankSector 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
PWF-PR-A.CA Yearly ROA, ROE, ROICPWF-PR-A.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8 10

1.3 Margins

PWF-PR-A has a worse Profit Margin (7.08%) than 72.84% of its industry peers.
PWF-PR-A's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 15.13%, PWF-PR-A perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
In the last couple of years the Operating Margin of PWF-PR-A has grown nicely.
Industry RankSector 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
PWF-PR-A.CA Yearly Profit, Operating, Gross MarginsPWF-PR-A.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10 15

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PWF-PR-A is destroying value.
PWF-PR-A has less shares outstanding than it did 1 year ago.
PWF-PR-A has less shares outstanding than it did 5 years ago.
The debt/assets ratio for PWF-PR-A has been reduced compared to a year ago.
PWF-PR-A.CA Yearly Shares OutstandingPWF-PR-A.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M
PWF-PR-A.CA Yearly Total Debt VS Total AssetsPWF-PR-A.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B

2.2 Solvency

PWF-PR-A has a debt to FCF ratio of 4.19. This is a neutral value as PWF-PR-A would need 4.19 years to pay back of all of its debts.
PWF-PR-A has a Debt to FCF ratio of 4.19. This is in the lower half of the industry: PWF-PR-A underperforms 67.90% of its industry peers.
A Debt/Equity ratio of 0.90 indicates that PWF-PR-A is somewhat dependend on debt financing.
PWF-PR-A's Debt to Equity ratio of 0.90 is on the low side compared to the rest of the industry. PWF-PR-A is outperformed by 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.9
Debt/FCF 4.19
Altman-Z N/A
ROIC/WACC0.14
WACC3.33%
PWF-PR-A.CA Yearly LT Debt VS Equity VS FCFPWF-PR-A.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B

2.3 Liquidity

PWF-PR-A has a Current Ratio of 0.13. This is a bad value and indicates that PWF-PR-A is not financially healthy enough and could expect problems in meeting its short term obligations.
PWF-PR-A has a Current ratio of 0.13. This is in the better half of the industry: PWF-PR-A outperforms 61.73% of its industry peers.
PWF-PR-A has a Quick Ratio of 0.13. This is a bad value and indicates that PWF-PR-A is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of PWF-PR-A (0.13) is better than 61.73% of its industry peers.
Industry RankSector Rank
Current Ratio 0.13
Quick Ratio 0.13
PWF-PR-A.CA Yearly Current Assets VS Current LiabilitesPWF-PR-A.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B

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1

3. Growth

3.1 Past

PWF-PR-A shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.61%.
The Earnings Per Share has been growing slightly by 1.06% on average over the past years.
The Revenue has been growing slightly by 5.25% in the past year.
The Revenue has been decreasing by -8.00% on average over the past years.
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.
PWF-PR-A.CA Yearly Revenue VS EstimatesPWF-PR-A.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B
PWF-PR-A.CA Yearly EPS VS EstimatesPWF-PR-A.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 4.12, the valuation of PWF-PR-A can be described as very cheap.
75.31% of the companies in the same industry are more expensive than PWF-PR-A, based on the Price/Earnings ratio.
PWF-PR-A's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.52.
Industry RankSector Rank
PE 4.12
Fwd PE N/A
PWF-PR-A.CA Price Earnings VS Forward Price EarningsPWF-PR-A.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PWF-PR-A indicates a rather cheap valuation: PWF-PR-A is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.01
EV/EBITDA N/A
PWF-PR-A.CA Per share dataPWF-PR-A.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2K 4K 6K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.89
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

PWF-PR-A has a Yearly Dividend Yield of 5.90%, which is a nice return.
Compared to an average industry Dividend Yield of 5.18, PWF-PR-A pays a better dividend. On top of this PWF-PR-A pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, PWF-PR-A pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.9%

5.2 History

The dividend of PWF-PR-A has a limited annual growth rate of 4.35%.
PWF-PR-A has paid a dividend for at least 10 years, which is a reliable track record.
PWF-PR-A has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.35%
Div Incr Years3
Div Non Decr Years3
PWF-PR-A.CA Yearly Dividends per sharePWF-PR-A.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

64.97% of the earnings are spent on dividend by PWF-PR-A. This is not a sustainable payout ratio.
PWF-PR-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
PWF-PR-A.CA Yearly Income VS Free CF VS DividendPWF-PR-A.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B
PWF-PR-A.CA Dividend Payout.PWF-PR-A.CA Dividend Payout, showing the Payout Ratio.PWF-PR-A.CA Dividend Payout.PayoutRetained Earnings

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POWER FINANCIAL - PWFCN 3.66101 PERP

TSX:PWF-PR-A (7/11/2025, 7:00:00 PM)

13.56

+0.02 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners4.63%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap54.24M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.9%
Yearly Dividend2.36
Dividend Growth(5Y)4.35%
DP64.97%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-24 2025-04-24 (0.228813)
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 RankSector Rank
PE 4.12
Fwd PE N/A
P/S 0
P/FCF 0.01
P/OCF 0.01
P/B 0
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)3.29
EY24.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY8779.5%
OCF(TTM)1483.25
OCFY10938.42%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)3.89
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC3.33%
ROIC/WACC0.14
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%