POWER FINANCIAL CORP - PWFCN 5.15 PERP (PWF-PR-Z.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PWF-PR-Z - CA73927C7127
23.21 CAD
-0.14 (-0.6%)
We assign a fundamental rating of 3 out of 10 to PWF-PR-Z. PWF-PR-Z was compared to 82 industry peers in the Insurance industry. Both the profitability and financial health of PWF-PR-Z have multiple concerns. PWF-PR-Z is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
PWF-PR-Z had positive earnings in the past year.
PWF-PR-Z had a positive operating cash flow in the past year.
Each year in the past 5 years PWF-PR-Z has been profitable.
In the past 5 years PWF-PR-Z always reported a positive cash flow from operatings.
1.2 Ratios
PWF-PR-Z has a Return On Assets of 0.29%. This is amonst the worse of the industry: PWF-PR-Z underperforms 89.02% of its industry peers.
With a Return On Equity value of 9.91%, PWF-PR-Z is not doing good in the industry: 87.80% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 0.45%, PWF-PR-Z is doing worse than 68.29% of the companies in the same industry.
PWF-PR-Z had an Average Return On Invested Capital over the past 3 years of 0.59%. This is in line with the industry average of 2.47%.
| 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-Z (7.08%) is worse than 87.80% of its industry peers.
In the last couple of years the Profit Margin of PWF-PR-Z has grown nicely.
With a Operating Margin value of 15.13%, PWF-PR-Z is not doing good in the industry: 74.39% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of PWF-PR-Z 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PWF-PR-Z is destroying value.
Compared to 1 year ago, PWF-PR-Z has less shares outstanding
PWF-PR-Z has less shares outstanding than it did 5 years ago.
The debt/assets ratio for PWF-PR-Z has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of PWF-PR-Z is 4.19, which is a neutral value as it means it would take PWF-PR-Z, 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-Z is doing worse than 89.02% of the companies in the same industry.
PWF-PR-Z has a Debt/Equity ratio of 0.90. This is a neutral value indicating PWF-PR-Z is somewhat dependend on debt financing.
PWF-PR-Z has a Debt to Equity ratio of 0.90. This is amonst the worse of the industry: PWF-PR-Z underperforms 87.80% 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-Z has a Current Ratio of 0.13. This is a bad value and indicates that PWF-PR-Z is not financially healthy enough and could expect problems in meeting its short term obligations.
PWF-PR-Z's Current ratio of 0.13 is in line compared to the rest of the industry. PWF-PR-Z outperforms 54.88% of its industry peers.
A Quick Ratio of 0.13 indicates that PWF-PR-Z may have some problems paying its short term obligations.
PWF-PR-Z has a Quick ratio (0.13) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 |
3. Growth
3.1 Past
PWF-PR-Z 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.
The Revenue has been growing slightly by 5.25% in the past year.
Measured over the past years, PWF-PR-Z 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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.05, the valuation of PWF-PR-Z can be described as very cheap.
Based on the Price/Earnings ratio, PWF-PR-Z is valued a bit more expensive than the industry average as 75.61% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of PWF-PR-Z to the average of the S&P500 Index (26.49), we can say PWF-PR-Z is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.05 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PWF-PR-Z indicates a rather cheap valuation: PWF-PR-Z is cheaper than 91.46% of the companies listed 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)6.65
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
PWF-PR-Z has a Yearly Dividend Yield of 5.58%, which is a nice return.
Compared to an average industry Dividend Yield of 4.30, PWF-PR-Z pays a bit more dividend than its industry peers.
PWF-PR-Z's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
5.2 History
The dividend of PWF-PR-Z has a limited annual growth rate of 4.35%.
PWF-PR-Z has been paying a dividend for at least 10 years, so it has a reliable track record.
PWF-PR-Z has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.35%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
64.97% of the earnings are spent on dividend by PWF-PR-Z. This is not a sustainable payout ratio.
The dividend of PWF-PR-Z 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 5.15 PERP
TSX:PWF-PR-Z (12/5/2025, 7:00:00 PM)
23.21
-0.14 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners4.64%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap92.84M
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 | 5.58% |
Yearly Dividend2.36
Dividend Growth(5Y)4.35%
DP64.97%
Div Incr Years0
Div Non Decr Years4
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 | 7.05 | ||
| 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
EY14.17%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1190.5
FCFY5129.25%
OCF(TTM)1483.25
OCFY6390.56%
SpS7747.25
BVpS5535.75
TBVpS205.75
PEG (NY)N/A
PEG (5Y)6.65
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 5.15 PERP / PWF-PR-Z.CA FAQ
Can you provide the ChartMill fundamental rating for POWER FINANCIAL CORP - PWFCN 5.15 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to PWF-PR-Z.CA.
What is the valuation status for PWF-PR-Z stock?
ChartMill assigns a valuation rating of 3 / 10 to POWER FINANCIAL CORP - PWFCN 5.15 PERP (PWF-PR-Z.CA). This can be considered as Overvalued.
What is the profitability of PWF-PR-Z stock?
POWER FINANCIAL CORP - PWFCN 5.15 PERP (PWF-PR-Z.CA) has a profitability rating of 3 / 10.
Is the dividend of POWER FINANCIAL CORP - PWFCN 5.15 PERP sustainable?
The dividend rating of POWER FINANCIAL CORP - PWFCN 5.15 PERP (PWF-PR-Z.CA) is 6 / 10 and the dividend payout ratio is 64.97%.