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POWER FINANCIAL CORP - PWFCN 5.1 PERP (PWF-PR-L.CA) Stock Fundamental Analysis

Canada - Toronto Stock Exchange - TSX:PWF-PR-L - CA73927C8299

23.09 CAD
-0.03 (-0.13%)
Last: 12/3/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PWF-PR-L. PWF-PR-L was compared to 81 industry peers in the Insurance industry. Both the profitability and financial health of PWF-PR-L have multiple concerns. PWF-PR-L does not seem to be growing, but still is valued expensively. PWF-PR-L also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PWF-PR-L was profitable.
In the past year PWF-PR-L had a positive cash flow from operations.
Each year in the past 5 years PWF-PR-L has been profitable.
Each year in the past 5 years PWF-PR-L had a positive operating cash flow.
PWF-PR-L.CA Yearly Net Income VS EBIT VS OCF VS FCFPWF-PR-L.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

PWF-PR-L has a Return On Assets of 0.29%. This is amonst the worse of the industry: PWF-PR-L underperforms 87.65% of its industry peers.
PWF-PR-L has a Return On Equity of 9.91%. This is amonst the worse of the industry: PWF-PR-L underperforms 86.42% of its industry peers.
The Return On Invested Capital of PWF-PR-L (0.45%) is worse than 69.14% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PWF-PR-L is in line with the industry average of 2.53%.
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-L.CA Yearly ROA, ROE, ROICPWF-PR-L.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

With a Profit Margin value of 7.08%, PWF-PR-L is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PWF-PR-L has grown nicely.
PWF-PR-L's Operating Margin of 15.13% is on the low side compared to the rest of the industry. PWF-PR-L is outperformed by 72.84% of its industry peers.
In the last couple of years the Operating Margin of PWF-PR-L 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-L.CA Yearly Profit, Operating, Gross MarginsPWF-PR-L.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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2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PWF-PR-L is destroying value.
PWF-PR-L has less shares outstanding than it did 1 year ago.
PWF-PR-L has less shares outstanding than it did 5 years ago.
PWF-PR-L has a better debt/assets ratio than last year.
PWF-PR-L.CA Yearly Shares OutstandingPWF-PR-L.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M
PWF-PR-L.CA Yearly Total Debt VS Total AssetsPWF-PR-L.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-L has a debt to FCF ratio of 4.19. This is a neutral value as PWF-PR-L would need 4.19 years to pay back of all of its debts.
The Debt to FCF ratio of PWF-PR-L (4.19) is worse than 87.65% of its industry peers.
A Debt/Equity ratio of 0.90 indicates that PWF-PR-L is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.90, PWF-PR-L is doing worse than 86.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.9
Debt/FCF 4.19
Altman-Z N/A
ROIC/WACC0.13
WACC3.35%
PWF-PR-L.CA Yearly LT Debt VS Equity VS FCFPWF-PR-L.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

A Current Ratio of 0.13 indicates that PWF-PR-L may have some problems paying its short term obligations.
The Current ratio of PWF-PR-L (0.13) is comparable to the rest of the industry.
A Quick Ratio of 0.13 indicates that PWF-PR-L may have some problems paying its short term obligations.
PWF-PR-L's Quick ratio of 0.13 is in line compared to the rest of the industry. PWF-PR-L outperforms 56.79% of its industry peers.
Industry RankSector Rank
Current Ratio 0.13
Quick Ratio 0.13
PWF-PR-L.CA Yearly Current Assets VS Current LiabilitesPWF-PR-L.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

The Earnings Per Share has been growing slightly by 0.61% over the past year.
Measured over the past 5 years, PWF-PR-L shows a small growth in Earnings Per Share. The EPS has been growing by 1.06% on average per year.
PWF-PR-L shows a small growth in Revenue. In the last year, the Revenue has grown by 5.25%.
Measured over the past years, PWF-PR-L shows a decrease in Revenue. The Revenue has been decreasing by -8.00% on average per year.
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-L.CA Yearly Revenue VS EstimatesPWF-PR-L.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B
PWF-PR-L.CA Yearly EPS VS EstimatesPWF-PR-L.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

PWF-PR-L is valuated cheaply with a Price/Earnings ratio of 7.02.
Based on the Price/Earnings ratio, PWF-PR-L is valued a bit more expensive than 74.07% of the companies in the same industry.
When comparing the Price/Earnings ratio of PWF-PR-L to the average of the S&P500 Index (26.41), we can say PWF-PR-L is valued rather cheaply.
Industry RankSector Rank
PE 7.02
Fwd PE N/A
PWF-PR-L.CA Price Earnings VS Forward Price EarningsPWF-PR-L.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

PWF-PR-L's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PWF-PR-L is cheaper than 92.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.02
EV/EBITDA N/A
PWF-PR-L.CA Per share dataPWF-PR-L.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)6.62
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

PWF-PR-L has a Yearly Dividend Yield of 5.60%, which is a nice return.
PWF-PR-L's Dividend Yield is a higher than the industry average which is at 4.32.
PWF-PR-L's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 5.6%

5.2 History

The dividend of PWF-PR-L has a limited annual growth rate of 4.35%.
PWF-PR-L has been paying a dividend for at least 10 years, so it has a reliable track record.
PWF-PR-L has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.35%
Div Incr Years0
Div Non Decr Years18
PWF-PR-L.CA Yearly Dividends per sharePWF-PR-L.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

64.97% of the earnings are spent on dividend by PWF-PR-L. This is not a sustainable payout ratio.
PWF-PR-L'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-L.CA Yearly Income VS Free CF VS DividendPWF-PR-L.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-L.CA Dividend Payout.PWF-PR-L.CA Dividend Payout, showing the Payout Ratio.PWF-PR-L.CA Dividend Payout.PayoutRetained Earnings

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POWER FINANCIAL CORP - PWFCN 5.1 PERP

TSX:PWF-PR-L (12/3/2025, 7:00:00 PM)

23.09

-0.03 (-0.13%)

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 Cap92.36M
Revenue(TTM)30.99B
Net Income(TTM)2.19B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.6%
Yearly Dividend2.36
Dividend Growth(5Y)4.35%
DP64.97%
Div Incr Years0
Div Non Decr Years18
Ex-Date01-09 2026-01-09 (0.31875)
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 7.02
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
EY14.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY5155.91%
OCF(TTM)1483.25
OCFY6423.78%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)6.62
Graham Number640.14
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
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 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
WACC3.35%
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 PERP / PWF-PR-L.CA FAQ

What is the ChartMill fundamental rating of POWER FINANCIAL CORP - PWFCN 5.1 PERP (PWF-PR-L.CA) stock?

ChartMill assigns a fundamental rating of 3 / 10 to PWF-PR-L.CA.


What is the valuation status for PWF-PR-L stock?

ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 5.1 PERP (PWF-PR-L.CA). This can be considered as Overvalued.


Can you provide the profitability details for POWER FINANCIAL CORP - PWFCN 5.1 PERP?

POWER FINANCIAL CORP - PWFCN 5.1 PERP (PWF-PR-L.CA) has a profitability rating of 3 / 10.


Can you provide the financial health for PWF-PR-L stock?

The financial health rating of POWER FINANCIAL CORP - PWFCN 5.1 PERP (PWF-PR-L.CA) is 2 / 10.