FN:CA:TSX-First National Financial Corporation

EQUITY | Banks | Toronto Stock Exchange

Last Closing

CAD 28.5

Change

+0.16 (+0.56)%

Market Cap

CAD 1.49B

Volume

0.03M

Analyst Target

CAD 27.75
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

First National Financial Corp. is a Canadian-based originator, underwriter and servicer of predominantly prime single family residential and multi-unit residential & commercial mortgages.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2018-05-22 )

Largest Industry Peers for Banks

Symbol Name Price(Change) Market Cap
RY:CA Royal Bank of Canada

N/A

CAD 146.18B
TD:CA Toronto-Dominion Bank (The)

N/A

CAD 142.11B
BNS:CA Bank of Nova Scotia (The)

N/A

CAD 94.89B
BMO:CA Bank of Montreal

N/A

CAD 66.19B
CM:CA Canadian Imperial Bank Of Comm..

N/A

CAD 52.35B
NA:CA National Bank of Canada

N/A

CAD 21.82B
CWB:CA Canadian Western Bank

N/A

CAD 3.24B
LB:CA Laurentian Bank of Canada

N/A

CAD 1.91B
HCG:CA Home Capital Group Inc.

N/A

CAD 1.20B
TD.PF.H:CA Toronto-Dominion Bank (The) 5-..

N/A

CAD 1.04B

ETFs Containing FN:CA

N/A

Market Performance

  Market Performance vs. Industry/Classification (Banks) Market Performance vs. Exchange (Toronto Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -1.04% 34% F 48% F
Dividend Return 2.14% 63% D 82% B-
Total Return 1.10% 41% F 57% F
Trailing 12 Months  
Capital Gain 13.50% 88% B+ 79% C+
Dividend Return 7.37% 94% A 94% A
Total Return 20.87% 93% A 84% B
Trailing 5 Years  
Capital Gain 60.74% 90% A- 80% B-
Dividend Return 45.22% 95% A 96% A
Total Return 105.96% 98% A+ 86% B
Average Annual (5 Year Horizon)  
Capital Gain 8.99% 95% A 76% C
Dividend Return 15.96% 99% A+ 82% B-
Total Return 6.98% 94% A 94% A
Risk Return Profile  
Volatility (Standard Deviation) 22.57% 7% F 35% F
Risk Adjusted Return 70.74% 59% F 69% D+
Market Capitalization 1.49B 92% A- 90% A-

Key Financial Ratios

  Ratio vs. Industry/Classification (Banks) Ratio vs. Market (Toronto Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.90 28% F 44% F
Price/Book Ratio 3.39 9% F 17% F
Price / Cash Flow Ratio -30.98 100% A+ 98% A+
Price/Free Cash Flow Ratio 8.99 13% F 34% F
Management Effectiveness  
Return on Equity 37.05% 98% A+ 93% A
Return on Invested Capital 0.22% 3% F 27% F
Return on Assets 0.67% 17% F 39% F
Debt to Equity Ratio 5,976.00% 3% F 0% N/A

Annual Financials (CAD)

Quarterly Financials (CAD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector