WESTERN PACIFIC TRUST CO (WP.CA) Stock Fundamental Analysis
TSX-V:WP - CA9591431080 - Common Stock
0.16 CAD
-0.01 (-5.88%)
WP gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 78 industry peers in the Capital Markets industry. WP has an excellent financial health rating, but there are some minor concerns on its profitability. WP is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
WP had positive earnings in the past year.
In the past year WP had a positive cash flow from operations.
WP had positive earnings in each of the past 5 years.
In the past 5 years WP always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of WP (6.59%) is better than 75.61% of its industry peers.
The Return On Equity of WP (8.59%) is better than 67.07% of its industry peers.
WP has a Return On Invested Capital of 9.51%. This is amongst the best in the industry. WP outperforms 86.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.59% | ||
| ROE | 8.59% | ||
| ROIC | 9.51% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of WP (13.30%) is better than 63.41% of its industry peers.
In the last couple of years the Profit Margin of WP has grown nicely.
WP has a Operating Margin (25.09%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of WP has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.09% | ||
| PM (TTM) | 13.3% | ||
| GM | N/A |
OM growth 3Y39.14%
OM growth 5Y14.29%
PM growth 3Y-37.82%
PM growth 5Y17.83%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
WP has an Altman-Z score of 4.50. This indicates that WP is financially healthy and has little risk of bankruptcy at the moment.
WP has a Altman-Z score of 4.50. This is in the better half of the industry: WP outperforms 79.27% of its industry peers.
WP has a debt to FCF ratio of 1.22. This is a very positive value and a sign of high solvency as it would only need 1.22 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.22, WP belongs to the top of the industry, outperforming 84.15% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that WP is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.22, WP is in line with its industry, outperforming 58.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.22 | ||
| Altman-Z | 4.5 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
WP has a Current Ratio of 15.85. This indicates that WP is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of WP (15.85) is better than 89.02% of its industry peers.
WP has a Quick Ratio of 15.85. This indicates that WP is financially healthy and has no problem in meeting its short term obligations.
WP has a Quick ratio of 15.85. This is amongst the best in the industry. WP outperforms 89.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 15.85 | ||
| Quick Ratio | 15.85 |
3. Growth
3.1 Past
The earnings per share for WP have decreased strongly by -31.51% in the last year.
The Earnings Per Share has been growing by 32.56% on average over the past years. This is a very strong growth
WP shows a decrease in Revenue. In the last year, the revenue decreased by -1.95%.
Measured over the past years, WP shows a quite strong growth in Revenue. The Revenue has been growing by 13.51% on average per year.
EPS 1Y (TTM)-31.51%
EPS 3Y-25.12%
EPS 5Y32.56%
EPS Q2Q%-43.06%
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y22.41%
Revenue growth 5Y13.51%
Sales Q2Q%-13.72%
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 16.00, the valuation of WP can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as WP.
Compared to an average S&P500 Price/Earnings ratio of 27.13, WP is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WP indicates a rather cheap valuation: WP is cheaper than 96.34% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, WP is valued cheaper than 89.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.77 | ||
| EV/EBITDA | 4.37 |
4.3 Compensation for Growth
WP has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.41%, WP is a good candidate for dividend investing.
The stock price of WP dropped by -21.95% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 2.93, WP pays a better dividend. On top of this WP pays more dividend than 82.93% of the companies listed in the same industry.
WP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.41% |
5.2 History
WP does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
100.81% of the earnings are spent on dividend by WP. This is not a sustainable payout ratio.
DP100.81%
EPS Next 2YN/A
EPS Next 3YN/A
TSX-V:WP (8/12/2025, 7:00:00 PM)
0.16
-0.01 (-5.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners50.42%
Ins Owner ChangeN/A
Market Cap4.21M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.41% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP100.81%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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 | 16 | ||
| Fwd PE | N/A | ||
| P/S | 2.15 | ||
| P/FCF | 6.77 | ||
| P/OCF | 6.72 | ||
| P/B | 1.39 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | 4.37 |
EPS(TTM)0.01
EY6.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.02
FCFY14.78%
OCF(TTM)0.02
OCFY14.89%
SpS0.07
BVpS0.12
TBVpS0.12
PEG (NY)N/A
PEG (5Y)0.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.59% | ||
| ROE | 8.59% | ||
| ROCE | 13.05% | ||
| ROIC | 9.51% | ||
| ROICexc | 26.78% | ||
| ROICexgc | 26.93% | ||
| OM | 25.09% | ||
| PM (TTM) | 13.3% | ||
| GM | N/A | ||
| FCFM | 31.73% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y39.14%
OM growth 5Y14.29%
PM growth 3Y-37.82%
PM growth 5Y17.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.5
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.22 | ||
| Debt/EBITDA | 1.17 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 19.2 | ||
| Cash Conversion | 107.91% | ||
| Profit Quality | 238.62% | ||
| Current Ratio | 15.85 | ||
| Quick Ratio | 15.85 | ||
| Altman-Z | 4.5 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)13.55%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.62%
Cap/Sales(5y)N/A
Profit Quality(3y)135.54%
Profit Quality(5y)485.74%
High Growth Momentum
Growth
EPS 1Y (TTM)-31.51%
EPS 3Y-25.12%
EPS 5Y32.56%
EPS Q2Q%-43.06%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y22.41%
Revenue growth 5Y13.51%
Sales Q2Q%-13.72%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.42%
EBIT growth 3Y70.33%
EBIT growth 5Y29.73%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y140.65%
FCF growth 3Y55.34%
FCF growth 5Y26.48%
OCF growth 1Y133.31%
OCF growth 3Y56.02%
OCF growth 5Y25.85%