POWER FINANCIAL CORP - PWFCN 5.9 PERP (PWF-PR-G.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PWF-PR-G - CA73927C8786
25.65 CAD
+0.03 (+0.12%)
PWF-PR-G gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. PWF-PR-G has a bad profitability rating. Also its financial health evaluation is rather negative. PWF-PR-G does not seem to be growing, but still is valued expensively. Finally PWF-PR-G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PWF-PR-G was profitable.
PWF-PR-G had a positive operating cash flow in the past year.
In the past 5 years PWF-PR-G has always been profitable.
PWF-PR-G had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.29%, PWF-PR-G is doing worse than 97.53% of the companies in the same industry.
With a Return On Equity value of 9.91%, PWF-PR-G is not doing good in the industry: 96.30% of the companies in the same industry are doing better.
The Return On Invested Capital of PWF-PR-G (0.45%) is worse than 79.01% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PWF-PR-G 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
PWF-PR-G has a Profit Margin of 7.08%. This is amonst the worse of the industry: PWF-PR-G underperforms 95.06% of its industry peers.
In the last couple of years the Profit Margin of PWF-PR-G has grown nicely.
PWF-PR-G's Operating Margin of 15.13% is on the low side compared to the rest of the industry. PWF-PR-G is outperformed by 82.72% of its industry peers.
In the last couple of years the Operating Margin of PWF-PR-G has grown nicely.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PWF-PR-G is destroying value.
PWF-PR-G has less shares outstanding than it did 1 year ago.
The number of shares outstanding for PWF-PR-G has been reduced compared to 5 years ago.
Compared to 1 year ago, PWF-PR-G has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PWF-PR-G is 4.19, which is a neutral value as it means it would take PWF-PR-G, 4.19 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.19, PWF-PR-G is doing worse than 97.53% of the companies in the same industry.
A Debt/Equity ratio of 0.90 indicates that PWF-PR-G is somewhat dependend on debt financing.
PWF-PR-G has a worse Debt to Equity ratio (0.90) than 96.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | 4.19 | ||
| Altman-Z | N/A |
ROIC/WACC0.13
WACC3.35%
2.3 Liquidity
PWF-PR-G has a Current Ratio of 0.13. This is a bad value and indicates that PWF-PR-G is not financially healthy enough and could expect problems in meeting its short term obligations.
PWF-PR-G has a Current ratio (0.13) which is in line with its industry peers.
PWF-PR-G has a Quick Ratio of 0.13. This is a bad value and indicates that PWF-PR-G is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of PWF-PR-G (0.13) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 |
3. Growth
3.1 Past
PWF-PR-G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.61%.
Measured over the past 5 years, PWF-PR-G shows a small growth in Earnings Per Share. The EPS has been growing by 1.06% on average per year.
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
PWF-PR-G is valuated cheaply with a Price/Earnings ratio of 7.80.
Based on the Price/Earnings ratio, PWF-PR-G is valued expensively inside the industry as 83.95% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.37. PWF-PR-G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.8 | ||
| Fwd PE | N/A |
4.2 Price Multiples
82.72% of the companies in the same industry are more expensive than PWF-PR-G, 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)7.35
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.60%, PWF-PR-G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.32, PWF-PR-G pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, PWF-PR-G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
5.2 History
The dividend of PWF-PR-G has a limited annual growth rate of 4.35%.
PWF-PR-G has been paying a dividend for at least 10 years, so it has a reliable track record.
PWF-PR-G has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.35%
Div Incr Years0
Div Non Decr Years22
5.3 Sustainability
PWF-PR-G pays out 64.97% of its income as dividend. This is not a sustainable payout ratio.
The dividend of PWF-PR-G is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP64.97%
EPS Next 2YN/A
EPS Next 3YN/A
POWER FINANCIAL CORP - PWFCN 5.9 PERP
TSX:PWF-PR-G (12/3/2025, 7:00:00 PM)
25.65
+0.03 (+0.12%)
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 Cap102.60M
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 | 5.6% |
Yearly Dividend2.36
Dividend Growth(5Y)4.35%
DP64.97%
Div Incr Years0
Div Non Decr Years22
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 | 7.8 | ||
| Fwd PE | N/A | ||
| P/S | 0 | ||
| P/FCF | 0.02 | ||
| P/OCF | 0.02 | ||
| P/B | 0 | ||
| P/tB | 0.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.29
EY12.83%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY4641.33%
OCF(TTM)1483.25
OCFY5782.65%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)7.35
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 5.9 PERP / PWF-PR-G.CA FAQ
What is the ChartMill fundamental rating of POWER FINANCIAL CORP - PWFCN 5.9 PERP (PWF-PR-G.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PWF-PR-G.CA.
Can you provide the valuation status for POWER FINANCIAL CORP - PWFCN 5.9 PERP?
ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 5.9 PERP (PWF-PR-G.CA). This can be considered as Overvalued.
What is the profitability of PWF-PR-G stock?
POWER FINANCIAL CORP - PWFCN 5.9 PERP (PWF-PR-G.CA) has a profitability rating of 3 / 10.
How financially healthy is POWER FINANCIAL CORP - PWFCN 5.9 PERP?
The financial health rating of POWER FINANCIAL CORP - PWFCN 5.9 PERP (PWF-PR-G.CA) is 2 / 10.