POWER FINANCIAL CORP - PWFCN 4.8 PERP (PWF-PR-S.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PWF-PR-S - CA73927C7465
22.06 CAD
-0.02 (-0.09%)
Overall PWF-PR-S gets a fundamental rating of 3 out of 10. We evaluated PWF-PR-S against 81 industry peers in the Insurance industry. PWF-PR-S has a bad profitability rating. Also its financial health evaluation is rather negative. PWF-PR-S is valued expensive and it does not seem to be growing. PWF-PR-S also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PWF-PR-S was profitable.
PWF-PR-S had a positive operating cash flow in the past year.
In the past 5 years PWF-PR-S has always been profitable.
Each year in the past 5 years PWF-PR-S had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.29%, PWF-PR-S is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 9.91%, PWF-PR-S is doing worse than 83.95% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.45%, PWF-PR-S is doing worse than 66.67% of the companies in the same industry.
PWF-PR-S 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
PWF-PR-S's Profit Margin of 7.08% is on the low side compared to the rest of the industry. PWF-PR-S is outperformed by 82.72% of its industry peers.
In the last couple of years the Profit Margin of PWF-PR-S has grown nicely.
PWF-PR-S has a worse Operating Margin (15.13%) than 70.37% of its industry peers.
PWF-PR-S'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-S 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-S has less shares outstanding
PWF-PR-S has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PWF-PR-S has an improved debt to assets ratio.
2.2 Solvency
PWF-PR-S has a debt to FCF ratio of 4.19. This is a neutral value as PWF-PR-S would need 4.19 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.19, PWF-PR-S is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
PWF-PR-S has a Debt/Equity ratio of 0.90. This is a neutral value indicating PWF-PR-S is somewhat dependend on debt financing.
PWF-PR-S's Debt to Equity ratio of 0.90 is on the low side compared to the rest of the industry. PWF-PR-S is outperformed by 83.95% 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-S may have some problems paying its short term obligations.
The Current ratio of PWF-PR-S (0.13) is comparable to the rest of the industry.
A Quick Ratio of 0.13 indicates that PWF-PR-S may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.13, PWF-PR-S is in line with its industry, outperforming 59.26% 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.
Looking at the last year, PWF-PR-S shows a small growth in Revenue. The Revenue has grown by 5.25% in the last 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
Based on the Price/Earnings ratio of 6.71, the valuation of PWF-PR-S can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of PWF-PR-S indicates a slightly more expensive valuation: PWF-PR-S is more expensive than 70.37% of the companies listed in the same industry.
PWF-PR-S's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.71 | ||
| Fwd PE | N/A |
4.2 Price Multiples
95.06% of the companies in the same industry are more expensive than PWF-PR-S, 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)6.33
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.60%, PWF-PR-S is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.32, PWF-PR-S pays a better dividend. On top of this PWF-PR-S pays more dividend than 80.25% of the companies listed in the same industry.
PWF-PR-S'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-S has a limited annual growth rate of 4.35%.
PWF-PR-S has been paying a dividend for at least 10 years, so it has a reliable track record.
PWF-PR-S 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 Years11
5.3 Sustainability
PWF-PR-S pays out 64.97% of its income as dividend. This is not a sustainable payout ratio.
PWF-PR-S'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 4.8 PERP
TSX:PWF-PR-S (12/2/2025, 7:00:00 PM)
22.06
-0.02 (-0.09%)
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 Cap88.24M
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 Years11
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 | 6.71 | ||
| Fwd PE | N/A | ||
| P/S | 0 | ||
| P/FCF | 0.02 | ||
| P/OCF | 0.01 | ||
| P/B | 0 | ||
| P/tB | 0.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.29
EY14.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY5396.65%
OCF(TTM)1483.25
OCFY6723.71%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)6.33
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 4.8 PERP / PWF-PR-S.CA FAQ
What is the fundamental rating for PWF-PR-S stock?
ChartMill assigns a fundamental rating of 3 / 10 to PWF-PR-S.CA.
What is the valuation status for PWF-PR-S stock?
ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 4.8 PERP (PWF-PR-S.CA). This can be considered as Overvalued.
How profitable is POWER FINANCIAL CORP - PWFCN 4.8 PERP (PWF-PR-S.CA) stock?
POWER FINANCIAL CORP - PWFCN 4.8 PERP (PWF-PR-S.CA) has a profitability rating of 3 / 10.
Can you provide the dividend sustainability for PWF-PR-S stock?
The dividend rating of POWER FINANCIAL CORP - PWFCN 4.8 PERP (PWF-PR-S.CA) is 7 / 10 and the dividend payout ratio is 64.97%.