POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PWF-PR-K - CA73927C8372
22.58 CAD
-0.03 (-0.13%)
We assign a fundamental rating of 3 out of 10 to PWF-PR-K. PWF-PR-K was compared to 81 industry peers in the Insurance industry. PWF-PR-K has a bad profitability rating. Also its financial health evaluation is rather negative. PWF-PR-K is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year PWF-PR-K was profitable.
In the past year PWF-PR-K had a positive cash flow from operations.
In the past 5 years PWF-PR-K has always been profitable.
In the past 5 years PWF-PR-K always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of PWF-PR-K (0.29%) is worse than 86.42% of its industry peers.
With a Return On Equity value of 9.91%, PWF-PR-K is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
The Return On Invested Capital of PWF-PR-K (0.45%) is worse than 67.90% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PWF-PR-K 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-PR-K is not doing good in the industry: 83.95% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PWF-PR-K has grown nicely.
The Operating Margin of PWF-PR-K (15.13%) is worse than 71.60% of its industry peers.
In the last couple of years the Operating Margin of PWF-PR-K 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
PWF-PR-K 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-K has less shares outstanding
Compared to 5 years ago, PWF-PR-K has less shares outstanding
PWF-PR-K has a better debt/assets ratio than last year.
2.2 Solvency
PWF-PR-K has a debt to FCF ratio of 4.19. This is a neutral value as PWF-PR-K would need 4.19 years to pay back of all of its debts.
The Debt to FCF ratio of PWF-PR-K (4.19) is worse than 86.42% of its industry peers.
PWF-PR-K has a Debt/Equity ratio of 0.90. This is a neutral value indicating PWF-PR-K is somewhat dependend on debt financing.
PWF-PR-K has a Debt to Equity ratio of 0.90. This is amonst the worse of the industry: PWF-PR-K underperforms 85.19% 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
A Current Ratio of 0.13 indicates that PWF-PR-K may have some problems paying its short term obligations.
With a Current ratio value of 0.13, PWF-PR-K perfoms like the industry average, outperforming 58.02% of the companies in the same industry.
PWF-PR-K has a Quick Ratio of 0.13. This is a bad value and indicates that PWF-PR-K is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.13, PWF-PR-K is in line with its industry, outperforming 58.02% of the companies in the same industry.
| 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.
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.
PWF-PR-K 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
The Price/Earnings ratio is 6.86, which indicates a rather cheap valuation of PWF-PR-K.
Based on the Price/Earnings ratio, PWF-PR-K is valued a bit more expensive than the industry average as 72.84% of the companies are valued more cheaply.
PWF-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.86 | ||
| Fwd PE | N/A |
4.2 Price Multiples
PWF-PR-K's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PWF-PR-K is cheaper than 93.83% 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)6.47
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
PWF-PR-K has a Yearly Dividend Yield of 5.60%, which is a nice return.
PWF-PR-K's Dividend Yield is a higher than the industry average which is at 4.32.
PWF-PR-K'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-PR-K has a limited annual growth rate of 4.35%.
PWF-PR-K has been paying a dividend for at least 10 years, so it has a reliable track record.
PWF-PR-K 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-K. This is not a sustainable payout ratio.
PWF-PR-K'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 4.95 PERP
TSX:PWF-PR-K (12/2/2025, 7:00:00 PM)
22.58
-0.03 (-0.13%)
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 Cap90.32M
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 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 | 6.86 | ||
| 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
EY14.57%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY5272.36%
OCF(TTM)1483.25
OCFY6568.87%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)6.47
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 4.95 PERP / PWF-PR-K.CA FAQ
What is the ChartMill fundamental rating of POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PWF-PR-K.CA.
What is the valuation status of POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA) stock?
ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA). This can be considered as Overvalued.
How profitable is POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA) stock?
POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for PWF-PR-K stock?
The Price/Earnings (PE) ratio for POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA) is 6.86 and the Price/Book (PB) ratio is 0.
Can you provide the dividend sustainability for PWF-PR-K stock?
The dividend rating of POWER FINANCIAL CORP - PWFCN 4.95 PERP (PWF-PR-K.CA) is 6 / 10 and the dividend payout ratio is 64.97%.