POWER FINANCIAL CORP - PWFCN 5 1/4 PERP (PWF-PR-F.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PWF-PR-F - CA73927C8869
23.65 CAD
-0.11 (-0.46%)
PWF-PR-F gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. Both the profitability and financial health of PWF-PR-F have multiple concerns. PWF-PR-F does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year PWF-PR-F was profitable.
PWF-PR-F had a positive operating cash flow in the past year.
Each year in the past 5 years PWF-PR-F has been profitable.
Each year in the past 5 years PWF-PR-F had a positive operating cash flow.
1.2 Ratios
PWF-PR-F has a worse Return On Assets (0.29%) than 90.24% of its industry peers.
PWF-PR-F has a Return On Equity of 9.91%. This is amonst the worse of the industry: PWF-PR-F underperforms 89.02% of its industry peers.
With a Return On Invested Capital value of 0.45%, PWF-PR-F is not doing good in the industry: 69.51% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for PWF-PR-F is in line with the industry average of 2.47%.
| 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-PR-F is not doing good in the industry: 89.02% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PWF-PR-F has grown nicely.
The Operating Margin of PWF-PR-F (15.13%) is worse than 75.61% of its industry peers.
PWF-PR-F'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-PR-F has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, PWF-PR-F has less shares outstanding
PWF-PR-F has less shares outstanding than it did 5 years ago.
The debt/assets ratio for PWF-PR-F has been reduced compared to a year ago.
2.2 Solvency
PWF-PR-F has a debt to FCF ratio of 4.19. This is a neutral value as PWF-PR-F would need 4.19 years to pay back of all of its debts.
PWF-PR-F has a worse Debt to FCF ratio (4.19) than 90.24% of its industry peers.
A Debt/Equity ratio of 0.90 indicates that PWF-PR-F is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.90, PWF-PR-F is doing worse than 89.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | 4.19 | ||
| Altman-Z | N/A |
ROIC/WACC0.13
WACC3.35%
2.3 Liquidity
A Current Ratio of 0.13 indicates that PWF-PR-F may have some problems paying its short term obligations.
PWF-PR-F has a Current ratio of 0.13. This is comparable to the rest of the industry: PWF-PR-F outperforms 53.66% of its industry peers.
A Quick Ratio of 0.13 indicates that PWF-PR-F may have some problems paying its short term obligations.
PWF-PR-F's Quick ratio of 0.13 is in line compared to the rest of the industry. PWF-PR-F outperforms 53.66% 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-PR-F shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.06% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.19, the valuation of PWF-PR-F can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of PWF-PR-F indicates a slightly more expensive valuation: PWF-PR-F is more expensive than 76.83% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, PWF-PR-F is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.19 | ||
| Fwd PE | N/A |
4.2 Price Multiples
PWF-PR-F's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PWF-PR-F is cheaper than 90.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.02 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)6.78
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
PWF-PR-F has a Yearly Dividend Yield of 5.58%, which is a nice return.
Compared to an average industry Dividend Yield of 4.30, PWF-PR-F pays a bit more dividend than its industry peers.
PWF-PR-F's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
5.2 History
The dividend of PWF-PR-F has a limited annual growth rate of 4.35%.
PWF-PR-F has been paying a dividend for at least 10 years, so it has a reliable track record.
PWF-PR-F has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.35%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
64.97% of the earnings are spent on dividend by PWF-PR-F. This is not a sustainable payout ratio.
PWF-PR-F'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 5 1/4 PERP
TSX:PWF-PR-F (12/9/2025, 7:00:00 PM)
23.65
-0.11 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners4.64%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap94.60M
Revenue(TTM)30.99B
Net Income(TTM)2.19B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
Yearly Dividend2.36
Dividend Growth(5Y)4.35%
DP64.97%
Div Incr Years0
Div Non Decr Years4
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 | 7.19 | ||
| Fwd PE | N/A | ||
| P/S | 0 | ||
| P/FCF | 0.02 | ||
| P/OCF | 0.02 | ||
| P/B | 0 | ||
| P/tB | 0.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.29
EY13.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY5033.83%
OCF(TTM)1483.25
OCFY6271.67%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)6.78
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
WACC3.35%
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 5 1/4 PERP / PWF-PR-F.CA FAQ
What is the fundamental rating for PWF-PR-F stock?
ChartMill assigns a fundamental rating of 3 / 10 to PWF-PR-F.CA.
What is the valuation status for PWF-PR-F stock?
ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 5 1/4 PERP (PWF-PR-F.CA). This can be considered as Overvalued.
Can you provide the profitability details for POWER FINANCIAL CORP - PWFCN 5 1/4 PERP?
POWER FINANCIAL CORP - PWFCN 5 1/4 PERP (PWF-PR-F.CA) has a profitability rating of 3 / 10.
What is the financial health of POWER FINANCIAL CORP - PWFCN 5 1/4 PERP (PWF-PR-F.CA) stock?
The financial health rating of POWER FINANCIAL CORP - PWFCN 5 1/4 PERP (PWF-PR-F.CA) is 2 / 10.
Can you provide the dividend sustainability for PWF-PR-F stock?
The dividend rating of POWER FINANCIAL CORP - PWFCN 5 1/4 PERP (PWF-PR-F.CA) is 6 / 10 and the dividend payout ratio is 64.97%.