PWF-PR-O Fundamental Analysis - POWER FINANCIAL CORP - PWFCN 5.8 PERP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to PWF-PR-O. PWF-PR-O was compared to 81 industry peers in the Insurance industry. PWF-PR-O has a bad profitability rating. Also its financial health evaluation is rather negative. PWF-PR-O has a expensive valuation and it also scores bad on growth. Finally PWF-PR-O also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

PWF-PR-O had positive earnings in the past year.

In the past year PWF-PR-O had a positive cash flow from operations.

Each year in the past 5 years PWF-PR-O has been profitable.

Each year in the past 5 years PWF-PR-O had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.29%, PWF-PR-O is not doing good in the industry: 96.30% of the companies in the same industry are doing better.

With a Return On Equity value of 9.91%, PWF-PR-O is not doing good in the industry: 95.06% of the companies in the same industry are doing better.

PWF-PR-O has a Return On Invested Capital of 0.45%. This is in the lower half of the industry: PWF-PR-O underperforms 77.78% of its industry peers.

PWF-PR-O had an Average Return On Invested Capital over the past 3 years of 0.59%. This 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

The Profit Margin of PWF-PR-O (7.08%) is worse than 93.83% of its industry peers.

PWF-PR-O's Profit Margin has improved in the last couple of years.

Looking at the Operating Margin, with a value of 15.13%, PWF-PR-O is doing worse than 81.48% of the companies in the same industry.

In the last couple of years the Operating Margin of PWF-PR-O 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PWF-PR-O has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.

PWF-PR-O has less shares outstanding than it did 1 year ago.

PWF-PR-O has less shares outstanding than it did 5 years ago.

The debt/assets ratio for PWF-PR-O has been reduced compared to a year ago.

2.2 Solvency

PWF-PR-O has a debt to FCF ratio of 4.19. This is a neutral value as PWF-PR-O would need 4.19 years to pay back of all of its debts.

PWF-PR-O's Debt to FCF ratio of 4.19 is on the low side compared to the rest of the industry. PWF-PR-O is outperformed by 96.30% of its industry peers.

PWF-PR-O has a Debt/Equity ratio of 0.90. This is a neutral value indicating PWF-PR-O is somewhat dependend on debt financing.

PWF-PR-O has a worse Debt to Equity ratio (0.90) than 95.06% 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-O has a Current Ratio of 0.13. This is a bad value and indicates that PWF-PR-O is not financially healthy enough and could expect problems in meeting its short term obligations.

The Current ratio of PWF-PR-O (0.13) is comparable to the rest of the industry.

A Quick Ratio of 0.13 indicates that PWF-PR-O may have some problems paying its short term obligations.

PWF-PR-O has a Quick ratio of 0.13. This is comparable to the rest of the industry: PWF-PR-O outperforms 48.15% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.13
Quick Ratio	0.13

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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-O shows a small growth in Earnings Per Share. The EPS has been growing by 1.06% on average per year.

PWF-PR-O shows a small growth in Revenue. In the last year, the Revenue has grown by 5.25%.

Measured over the past years, PWF-PR-O 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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.76, which indicates a rather cheap valuation of PWF-PR-O.

82.72% of the companies in the same industry are cheaper than PWF-PR-O, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 26.15. PWF-PR-O is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.76
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PWF-PR-O is valued cheaply inside the industry as 83.95% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	0.02
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)7.32

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PWF-PR-O has a Yearly Dividend Yield of 5.60%, which is a nice return.

Compared to an average industry Dividend Yield of 4.32, PWF-PR-O pays a bit more dividend than its industry peers.

PWF-PR-O'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-O has a limited annual growth rate of 4.35%.

PWF-PR-O has been paying a dividend for at least 10 years, so it has a reliable track record.

PWF-PR-O 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 Years13

5.3 Sustainability

64.97% of the earnings are spent on dividend by PWF-PR-O. This is not a sustainable payout ratio.

PWF-PR-O'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

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POWER FINANCIAL CORP - PWFCN 5.8 PERP

TSX:PWF-PR-O (12/2/2025, 7:00:00 PM)

25.53

+0.03 (+0.12%)

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 Cap102.12M

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 Years13

Ex-Date01-09 2026-01-09 (0.3625)

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	7.76
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

EY12.89%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1190.5

FCFY4663.14%

OCF(TTM)1483.25

OCFY5809.83%

SpS7747.25

BVpS5535.75

TBVpS205.75

PEG (NY)N/A

PEG (5Y)7.32

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 5.8 PERP / PWF-PR-O.CA FAQ

What is the fundamental rating for PWF-PR-O stock?

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

What is the valuation status of POWER FINANCIAL CORP - PWFCN 5.8 PERP (PWF-PR-O.CA) stock?

ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 5.8 PERP (PWF-PR-O.CA). This can be considered as Overvalued.

What is the profitability of PWF-PR-O stock?

POWER FINANCIAL CORP - PWFCN 5.8 PERP (PWF-PR-O.CA) has a profitability rating of 3 / 10.

Can you provide the PE and PB ratios for PWF-PR-O stock?

The Price/Earnings (PE) ratio for POWER FINANCIAL CORP - PWFCN 5.8 PERP (PWF-PR-O.CA) is 7.76 and the Price/Book (PB) ratio is 0.

POWER FINANCIAL CORP - PWFCN 5.8 PERP (PWF-PR-O.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

POWER FINANCIAL CORP - PWFCN 5.8 PERP / PWF-PR-O.CA FAQ

What is the fundamental rating for PWF-PR-O stock?

What is the valuation status of POWER FINANCIAL CORP - PWFCN 5.8 PERP (PWF-PR-O.CA) stock?

What is the profitability of PWF-PR-O stock?

Can you provide the PE and PB ratios for PWF-PR-O stock?