POWER FINANCIAL CORP - PWFCN 5.595 PERP (PWF-PR-T.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PWF-PR-T - CA73927C7382
25.12 CAD
-0.13 (-0.51%)
Overall PWF-PR-T gets a fundamental rating of 3 out of 10. We evaluated PWF-PR-T against 81 industry peers in the Insurance industry. PWF-PR-T has a bad profitability rating. Also its financial health evaluation is rather negative. PWF-PR-T is valued expensive and it does not seem to be growing. PWF-PR-T also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PWF-PR-T was profitable.
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.
PWF-PR-T had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PWF-PR-T has a Return On Assets of 0.29%. This is amonst the worse of the industry: PWF-PR-T underperforms 93.83% of its industry peers.
Looking at the Return On Equity, with a value of 9.91%, PWF-PR-T is doing worse than 92.59% of the companies in the same industry.
PWF-PR-T's Return On Invested Capital of 0.45% is on the low side compared to the rest of the industry. PWF-PR-T is outperformed by 75.31% of its industry peers.
PWF-PR-T 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-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 91.36% of its industry peers.
In the last couple of years the Profit Margin of PWF-PR-T has grown nicely.
PWF-PR-T's Operating Margin of 15.13% is on the low side compared to the rest of the industry. PWF-PR-T is outperformed by 79.01% of its industry peers.
PWF-PR-T'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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
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.
PWF-PR-T has a Debt to FCF ratio of 4.19. This is amonst the worse of the industry: PWF-PR-T underperforms 93.83% of its industry peers.
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.
With a Debt to Equity ratio value of 0.90, PWF-PR-T is not doing good in the industry: 92.59% of the companies in the same industry are doing better.
| 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-T may have some problems paying its short term obligations.
The Current ratio of PWF-PR-T (0.13) is comparable to the rest of the industry.
PWF-PR-T has a Quick Ratio of 0.13. This is a bad value and indicates that PWF-PR-T is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.13, PWF-PR-T perfoms like the industry average, outperforming 50.62% 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.
PWF-PR-T shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.06% yearly.
PWF-PR-T shows a small growth in Revenue. In the last year, the Revenue has grown by 5.25%.
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
With a Price/Earnings ratio of 7.64, the valuation of PWF-PR-T can be described as very cheap.
Based on the Price/Earnings ratio, PWF-PR-T is valued more expensive than 80.25% of the companies in the same industry.
When comparing the Price/Earnings ratio of PWF-PR-T to the average of the S&P500 Index (26.46), we can say PWF-PR-T is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.64 | ||
| Fwd PE | N/A |
4.2 Price Multiples
PWF-PR-T's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PWF-PR-T is cheaper than 86.42% 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)7.2
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
PWF-PR-T 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-T pays a bit more dividend than its industry peers.
PWF-PR-T'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-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
5.3 Sustainability
64.97% of the earnings are spent on dividend by PWF-PR-T. This is not a sustainable payout ratio.
The dividend of PWF-PR-T is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP64.97%
EPS Next 2YN/A
EPS Next 3YN/A
POWER FINANCIAL CORP - PWFCN 5.595 PERP
TSX:PWF-PR-T (12/4/2025, 7:00:00 PM)
25.12
-0.13 (-0.51%)
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 Cap100.48M
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 Years1
Div Non Decr Years10
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 | 7.64 | ||
| 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
EY13.1%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY4739.25%
OCF(TTM)1483.25
OCFY5904.66%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)7.2
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 5.595 PERP / PWF-PR-T.CA FAQ
What is the ChartMill fundamental rating of POWER FINANCIAL CORP - PWFCN 5.595 PERP (PWF-PR-T.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PWF-PR-T.CA.
Can you provide the valuation status for POWER FINANCIAL CORP - PWFCN 5.595 PERP?
ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 5.595 PERP (PWF-PR-T.CA). This can be considered as Overvalued.
What is the profitability of PWF-PR-T stock?
POWER FINANCIAL CORP - PWFCN 5.595 PERP (PWF-PR-T.CA) has a profitability rating of 3 / 10.
What is the valuation of POWER FINANCIAL CORP - PWFCN 5.595 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for POWER FINANCIAL CORP - PWFCN 5.595 PERP (PWF-PR-T.CA) is 7.64 and the Price/Book (PB) ratio is 0.
How financially healthy is POWER FINANCIAL CORP - PWFCN 5.595 PERP?
The financial health rating of POWER FINANCIAL CORP - PWFCN 5.595 PERP (PWF-PR-T.CA) is 2 / 10.