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POWER FINANCIAL CORP - PWFCN 5.595 PERP (PWF-PR-T.CA) Stock Fundamental Analysis

TSX:PWF-PR-T - Toronto Stock Exchange - CA73927C7382 - Currency: CAD

22.87  -0.12 (-0.52%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PWF-PR-T. PWF-PR-T was compared to 82 industry peers in the Insurance industry. Both the profitability and financial health of PWF-PR-T have multiple concerns. PWF-PR-T has a expensive valuation and it also scores bad on growth. PWF-PR-T also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

PWF-PR-T had positive earnings in the past year.
PWF-PR-T had a positive operating cash flow in the past year.
PWF-PR-T had positive earnings in each of the past 5 years.
In the past 5 years PWF-PR-T always reported a positive cash flow from operatings.
PWF-PR-T.CA Yearly Net Income VS EBIT VS OCF VS FCFPWF-PR-T.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-T's Return On Assets of 0.29% is on the low side compared to the rest of the industry. PWF-PR-T is outperformed by 90.24% of its industry peers.
PWF-PR-T has a Return On Equity of 9.91%. This is in the lower half of the industry: PWF-PR-T underperforms 70.73% of its industry peers.
With a Return On Invested Capital value of 0.45%, PWF-PR-T is not doing good in the industry: 73.17% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for PWF-PR-T is below the industry average of 2.73%.
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-T.CA Yearly ROA, ROE, ROICPWF-PR-T.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

PWF-PR-T's Profit Margin of 7.08% is on the low side compared to the rest of the industry. PWF-PR-T is outperformed by 84.15% of its industry peers.
PWF-PR-T's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 15.13%, PWF-PR-T is not doing good in the industry: 68.29% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of PWF-PR-T 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-T.CA Yearly Profit, Operating, Gross MarginsPWF-PR-T.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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PWF-PR-T is destroying value.
Compared to 1 year ago, PWF-PR-T has less shares outstanding
PWF-PR-T has less shares outstanding than it did 5 years ago.
The debt/assets ratio for PWF-PR-T has been reduced compared to a year ago.
PWF-PR-T.CA Yearly Shares OutstandingPWF-PR-T.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M
PWF-PR-T.CA Yearly Total Debt VS Total AssetsPWF-PR-T.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

The Debt to FCF ratio of PWF-PR-T is 4.19, which is a neutral value as it means it would take PWF-PR-T, 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-T is doing worse than 80.49% of the companies in the same industry.
PWF-PR-T has a Debt/Equity ratio of 0.90. This is a neutral value indicating PWF-PR-T is somewhat dependend on debt financing.
PWF-PR-T's Debt to Equity ratio of 0.90 is on the low side compared to the rest of the industry. PWF-PR-T is outperformed by 89.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.9
Debt/FCF 4.19
Altman-Z N/A
ROIC/WACC0.13
WACC3.35%
PWF-PR-T.CA Yearly LT Debt VS Equity VS FCFPWF-PR-T.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-T may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.13, PWF-PR-T is in line with its industry, outperforming 51.22% of the companies in the same industry.
A Quick Ratio of 0.13 indicates that PWF-PR-T may have some problems paying its short term obligations.
PWF-PR-T has a Quick ratio (0.13) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.13
Quick Ratio 0.13
PWF-PR-T.CA Yearly Current Assets VS Current LiabilitesPWF-PR-T.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

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

A Price/Earnings ratio of 6.95 indicates a rather cheap valuation of PWF-PR-T.
Based on the Price/Earnings ratio, PWF-PR-T is valued a bit more expensive than 74.39% of the companies in the same industry.
PWF-PR-T is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.95
Fwd PE N/A
PWF-PR-T.CA Price Earnings VS Forward Price EarningsPWF-PR-T.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PWF-PR-T indicates a rather cheap valuation: PWF-PR-T is cheaper than 89.02% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.02
EV/EBITDA N/A
PWF-PR-T.CA Per share dataPWF-PR-T.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)6.56
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.30%, PWF-PR-T is a good candidate for dividend investing.
PWF-PR-T's Dividend Yield is rather good when compared to the industry average which is at 4.24. PWF-PR-T pays more dividend than 89.02% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, PWF-PR-T pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.3%

5.2 History

The dividend of PWF-PR-T has a limited annual growth rate of 4.35%.
PWF-PR-T has been paying a dividend for at least 10 years, so it has a reliable track record.
PWF-PR-T 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 Years1
Div Non Decr Years10
PWF-PR-T.CA Yearly Dividends per sharePWF-PR-T.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

PWF-PR-T pays out 64.97% of its income as dividend. This is not a sustainable payout ratio.
PWF-PR-T'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-T.CA Yearly Income VS Free CF VS DividendPWF-PR-T.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-T.CA Dividend Payout.PWF-PR-T.CA Dividend Payout, showing the Payout Ratio.PWF-PR-T.CA Dividend Payout.PayoutRetained Earnings

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POWER FINANCIAL CORP - PWFCN 5.595 PERP

TSX:PWF-PR-T (6/2/2025, 7:00:00 PM)

22.87

-0.12 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners10.13%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap91.48M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.3%
Yearly Dividend2.36
Dividend Growth(5Y)4.35%
DP64.97%
Div Incr Years1
Div Non Decr Years10
Ex-Date07-10 2025-07-10 (0.349688)
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 6.95
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
EY14.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY5205.51%
OCF(TTM)1483.25
OCFY6485.57%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)6.56
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
ROICexcg growth 3YN/A
ROICexcg 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%