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First National Financial stock

FN.TO
CA33564P1036
A1H4UM

Price

41.29
Today +/-
+0.46
Today %
+1.69 %
P

First National Financial stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the First National Financial stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the First National Financial stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the First National Financial stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze First National Financial's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

First National Financial Stock Price History

DateFirst National Financial Price
11/1/202441.29 undefined
10/31/202440.60 undefined
10/30/202441.59 undefined
10/29/202441.05 undefined
10/28/202440.65 undefined
10/25/202440.22 undefined
10/24/202440.31 undefined
10/23/202440.01 undefined
10/22/202440.33 undefined
10/21/202440.15 undefined
10/18/202439.95 undefined
10/17/202440.05 undefined
10/16/202439.91 undefined
10/15/202439.68 undefined
10/11/202439.64 undefined
10/10/202439.39 undefined
10/9/202439.44 undefined
10/8/202438.89 undefined
10/7/202438.80 undefined

First National Financial Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into First National Financial, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by First National Financial from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects First National Financial’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of First National Financial. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into First National Financial’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing First National Financial’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on First National Financial’s growth potential.

First National Financial Revenue, EBIT and net profit per share

DateFirst National Financial RevenueFirst National Financial EBITFirst National Financial Net Income
2026e991.03 M undefined0 undefined262.92 M undefined
2025e944.66 M undefined0 undefined246.45 M undefined
2024e871.41 M undefined0 undefined195.39 M undefined
20232.02 B undefined343.91 M undefined248.95 M undefined
20221.57 B undefined269.08 M undefined194.69 M undefined
20211.39 B undefined263.82 M undefined191.87 M undefined
20201.38 B undefined258.7 M undefined187.4 M undefined
20191.33 B undefined241.7 M undefined174.2 M undefined
20181.18 B undefined227.4 M undefined163.5 M undefined
20171.08 B undefined285.4 M undefined205.3 M undefined
20161.05 B undefined274.1 M undefined196.5 M undefined
2015915.3 M undefined148.7 M undefined102.5 M undefined
2014803.1 M undefined140.3 M undefined97.1 M undefined
2013776.5 M undefined233.5 M undefined165.1 M undefined
2012628.6 M undefined150.8 M undefined105.7 M undefined
2011464 M undefined96.8 M undefined66.2 M undefined
2010394.3 M undefined120 M undefined89.9 M undefined
200925.1 M undefined25.1 M undefined21.7 M undefined
200813.4 M undefined13.4 M undefined11.8 M undefined
20076.5 M undefined6.5 M undefined-1.2 M undefined

First National Financial Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
0.010.010.030.390.460.630.780.80.921.051.081.181.331.381.391.572.020.870.940.99
-116.6792.311,476.0017.7735.3423.573.4813.9514.642.769.5512.284.071.0112.9128.59-56.978.384.98
--100.0050.0039.2239.1743.6931.7630.9339.2840.5433.0230.6933.2636.8033.3530.24---
0025197182246339255283412437390407459513525612000
6132512096150233140148274285227241258263269343000
100.00100.00100.0030.4620.6923.8930.0317.4316.1726.1226.4419.2218.1718.7018.8717.0916.95---
-11121896610516597102196205163174187191194248195246262
--1,200.0090.91323.81-25.8459.0957.14-41.215.1592.164.59-20.496.757.472.141.5727.84-21.3726.156.50
--------------------
--------------------
11.812.312.7606060606060606060606059.9759.9759.97000
--------------------
Details

Keystats

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Revenue and Growth

The First National Financial Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the First National Financial is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
20072008200920102011201220132014201520162017201820192020202120222023
                                 
0000000000000002.950
0001281029394106112136185192173182161.97179.32207.17
0000400100004008.7418.460
00000000000000000
000000000000000790.790
0000.130.110.090.090.120.110.140.190.20.170.180.173.940.21
000467801313129183389.3589.3782.93
0.10.110.128.0511.5114.5419.9925.2927.2729.5331.9935.2336.7838.5741.1742.8445.09
00000000000000170197.440
000382922160410000000
00030303030030303030303029.7829.7829.78
000156244335431497498685561577682669815.81605.71550.84
0.10.110.128.2811.8214.9320.4825.7927.8230.2632.5935.8437.5139.3142.2743.7645.75
0.10.110.128.411.9215.0220.5725.927.9330.432.7836.0437.6939.4942.4447.7145.96
                                 
94100103123220220220220220220220220220220220.07220.07220.07
00000000000000000
00011273102185193205302323315345384364.97418.24477.8
00000000000-3-3-33-7.6360.6739.9
00000000000000000
94100103235293322405413425522543532562571577.41698.98737.76
00064536066953747492600000
0000000088766999132152157.07182.44222.41
10131690240102370152312.4312.8860.65
0000.010.660.951.661.991.782.323.383.453.473.314.454.324.17
00000000000000000
0.010.010.020.080.721.011.732.091.912.463.513.573.623.484.624.514.46
0008.0510.8813.6118.3423.3625.527.3228.6531.8633.4335.3736.9938.440.61
000353033515755637579826788149.4150.9
00000000000000-4,445.72-4,315.320
0008.0910.9113.6418.3923.4225.5627.3828.7331.9433.5135.4432.6434.2440.76
0.010.010.028.1711.6314.6620.1225.527.4729.8432.2335.5137.1238.9237.2538.7545.22
0.10.110.128.4111.9214.9820.5225.9227.8930.3732.7836.0437.6939.4937.8339.4545.96
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of First National Financial provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand First National Financial's financial health and stability.

Assets

First National Financial's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that First National Financial must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of First National Financial after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into First National Financial's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (B)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
20072008200920102011201220132014201520162017201820192020202120222023
-111218970110172104109201209166177190194197252
0001210988107547791314
7134-32186-271153-411369
00066-51942-272-305-117-32621-455381-377-445639-346
63-6-7-141-77-4412-22-54-58-111-67-173-378-33
0000.120.190.260.340.450.510.510.530.670.780.740.650.771.14
0003333324044205180675266774416
131618165-456166-150-23013-131194-337458-251-402509-103
000-1-3-3-3-8-3-4-4-2-5-3-31-12-6
0-110-8-131-829-48-31-11-175174-199145-12-52-77
0-110-7-128-533-40-28-6-170177-19314919-40-71
00000000000000000
000127554-1958846148205181618370345-412356
0110096000000000000
-13-5-1837516-2331-564596-34-112-138220133-556163
00000420-6-5-4-28000000
-13-16-18-89-133-80-87-95-97-103-188-174-147-150-212-144-192
000193-70-74-119-33526-45-15-274120114-282-100-17
13.316.518.5164-459.6163.6-154.1-2399.9-135.6190.1-339.9452.8-254.6-434.85496.78-109.71
00000000000000000

First National Financial stock margins

The First National Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of First National Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for First National Financial.

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Gross margin
EBIT margin
Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the First National Financial's sales revenue. A higher gross margin percentage indicates that the First National Financial retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the First National Financial's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the First National Financial's total revenue generated. When comparing the revenue margin year over year, investors can gauge the First National Financial's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the First National Financial. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the First National Financial's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

First National Financial Margin History

First National Financial Gross marginFirst National Financial Profit marginFirst National Financial EBIT marginFirst National Financial Profit margin
2026e30.24 %0 %26.53 %
2025e30.24 %0 %26.09 %
2024e30.24 %0 %22.42 %
202330.24 %16.99 %12.3 %
202233.39 %17.09 %12.37 %
202136.83 %18.92 %13.76 %
202033.32 %18.74 %13.58 %
201930.7 %18.22 %13.13 %
201833.02 %19.25 %13.84 %
201740.52 %26.46 %19.03 %
201639.26 %26.11 %18.72 %
201531 %16.25 %11.2 %
201431.75 %17.47 %12.09 %
201343.75 %30.07 %21.26 %
201239.15 %23.99 %16.82 %
201139.29 %20.86 %14.27 %
201050.06 %30.43 %22.8 %
2009100 %100 %86.45 %
200830.24 %100 %88.06 %
200730.24 %100 %-18.46 %

First National Financial Stock Sales Revenue, EBIT, Earnings per Share

The First National Financial earnings per share therefore indicates how much revenue First National Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue First National Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates First National Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of First National Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating First National Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

First National Financial Revenue, EBIT and net profit per share

DateFirst National Financial Sales per ShareFirst National Financial EBIT per shareFirst National Financial Earnings per Share
2026e16.53 undefined0 undefined4.38 undefined
2025e15.75 undefined0 undefined4.11 undefined
2024e14.53 undefined0 undefined3.26 undefined
202333.76 undefined5.73 undefined4.15 undefined
202226.25 undefined4.49 undefined3.25 undefined
202123.26 undefined4.4 undefined3.2 undefined
202023.01 undefined4.31 undefined3.12 undefined
201922.11 undefined4.03 undefined2.9 undefined
201819.69 undefined3.79 undefined2.73 undefined
201717.98 undefined4.76 undefined3.42 undefined
201617.5 undefined4.57 undefined3.28 undefined
201515.26 undefined2.48 undefined1.71 undefined
201413.38 undefined2.34 undefined1.62 undefined
201312.94 undefined3.89 undefined2.75 undefined
201210.48 undefined2.51 undefined1.76 undefined
20117.73 undefined1.61 undefined1.1 undefined
20106.57 undefined2 undefined1.5 undefined
20091.98 undefined1.98 undefined1.71 undefined
20081.09 undefined1.09 undefined0.96 undefined
20070.55 undefined0.55 undefined-0.1 undefined

First National Financial business model

First National Financial Corp is a Canadian financial services company that was founded in 1988. It is headquartered in Toronto and is listed on the Toronto Stock Exchange. Business Model: First National Financial Corp is one of the largest Canadian mortgage lenders, providing mortgages to individuals, investors, businesses, and institutional clients. It leverages its extensive knowledge and experience in the mortgage business to offer tailored financing solutions to its customers. These can come in the form of fixed-rate, variable rate, or hybrid mortgages. The company specializes in developing financial products and services for the Canadian mortgage market and offers a wide range of mortgage products. These include fixed-rate mortgages, variable rate mortgages, interest-only mortgages, hybrid mortgages, tax-deductible interest mortgages, early repayment options, mortgages for self-employed individuals, and construction financing. Divisions: First National Financial Corp operates in three business segments: mortgages, lending, and mortgage services. Mortgages: First National Financial Corp is one of the largest mortgage lenders in Canada, providing mortgages to various customer segments including real estate investors, businesses, and individuals. The company offers various interest rate and flexibility options, as well as advice. Lending: First National Financial Corp offers a wide range of lending applications for different customer segments, including real estate investors and businesses. The company also offers subordinated and mezzanine financing options. Mortgage Services: First National Financial Corp provides a wide range of services for mortgages, including mortgage servicing, mortgage certification, asset management, and lending. Products: First National Financial Corp offers a wide range of mortgage products tailored to different customer segments. Fixed-rate mortgages: These are mortgages with a fixed term and fixed interest rate. These are suitable for customers who need long-term financing and want to protect themselves from rising interest rates. Variable rate mortgages: These are mortgages with variable interest rates that depend on changes in the benchmark interest rate. These options may be suitable for customers who plan their financing in the short term and qualify for lower interest rates. Interest-only mortgages: With these mortgages, customers only have to repay the interest and not the principal. This option may be suitable for investors and self-employed individuals who want to reduce their financing costs. Hybrid mortgages: These are mortgage options with both fixed and variable interest rates, suitable for customers who want to benefit from both options. Tax-deductible interest mortgages: These options allow customers to deduct mortgage interest from their taxes. Early repayment options: These options allow customers to repay their mortgages early, reducing the total interest payments. Mortgages for self-employed individuals: These options are suitable for customers who want to use self-employed income as qualifying income but may have difficulties, particularly due to low income levels and varying income structures. Construction financing: These options allow customers to finance their construction or renovation costs. In summary, First National Financial Corp is a leading mortgage finance company in Canada that offers customers a wide range of mortgage products and services tailored to their needs. With its comprehensive knowledge of the mortgage market, it is able to offer customers customized offers that meet their specific needs. Its expertise in the mortgage field is evident in the areas where it operates. First National Financial is one of the most popular companies on Eulerpool.com.

First National Financial SWOT Analysis

Strengths

First National Financial Corp possesses several strengths that contribute to its success in the market. Firstly, the company has a strong reputation in the financial industry, built over its long history of providing excellent services to its clients. This reputation gives the company a competitive advantage by attracting customers and building trust.

Secondly, First National Financial Corp has a robust and diverse portfolio of financial products and services. This allows the company to meet the various needs of its customers effectively. Furthermore, the company's solid financial position and strong capital base enable it to withstand economic downturns and invest in growth opportunities.

Lastly, First National Financial Corp has a dedicated and experienced team of professionals who possess in-depth knowledge of the market. This expertise enables the company to provide personalized and high-quality financial advice to its customers, enhancing customer satisfaction and loyalty.

Weaknesses

Despite its strengths, First National Financial Corp also faces certain weaknesses that require attention. One weakness is its reliance on a specific geographic market. If this market experiences a downturn, it could impact the company's overall performance.

Additionally, the company may face challenges in adapting to rapidly evolving technologies and digital advancements. Failure to embrace technological changes adequately may result in a loss of competitive edge and hinder growth opportunities.

Opportunities

First National Financial Corp can capitalize on several opportunities to expand its market presence and increase its client base. One opportunity is the growing demand for financial services, particularly in emerging markets. By entering these markets strategically, the company can tap into new customer segments and diversify its revenue streams.

Moreover, advancements in technology present an opportunity for First National Financial Corp to develop innovative digital solutions and enhance its customer experience. Embracing digital transformation can help streamline processes, improve efficiency, and attract tech-savvy customers.

Threats

First National Financial Corp faces potential threats that may impact its performance and profitability. One significant threat is increasing competition from both traditional financial institutions and fintech startups. This competition can lead to a price war, erosion of market share, and decreased profitability.

Furthermore, regulatory changes and compliance requirements pose a threat to the company's operations. Adapting to new regulations and ensuring compliance can be costly and time-consuming, impacting overall business operations.

First National Financial Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

First National Financial historical P/E ratio, EBIT multiple, and P/S ratio

First National Financial shares outstanding

The number of shares was First National Financial in 2023 — This indicates how many shares 59.967 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue First National Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates First National Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of First National Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating First National Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

First National Financial dividend history and estimates

In 2023, First National Financial paid a dividend amounting to 2.41 CAD. Dividend means that First National Financial distributes a portion of its profits to its owners.

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Dividend
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Dividend

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Dividend Overview

The dividend per year chart for First National Financial provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify First National Financial’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating First National Financial's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

First National Financial Dividend History

DateFirst National Financial Dividend
2026e2.61 undefined
2025e2.6 undefined
2024e2.6 undefined
20232.41 undefined
20222.36 undefined
20212.27 undefined
20201.98 undefined
20191.91 undefined
20181.86 undefined
20171.83 undefined
20161.65 undefined
20151.51 undefined
20141.48 undefined
20131.38 undefined
20121.27 undefined
20111.25 undefined
20101.78 undefined
20091.33 undefined
20081.25 undefined
20071.11 undefined

First National Financial dividend payout ratio

In 2023, First National Financial had a payout ratio of 68.93%. The payout ratio indicates the percentage of the company's profits that First National Financial distributes as dividends.

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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for First National Financial represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for First National Financial could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate First National Financial's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

First National Financial Payout Ratio History

DateFirst National Financial Payout ratio
2026e70.17 %
2025e70.79 %
2024e70.8 %
202368.93 %
202272.64 %
202170.84 %
202063.3 %
201965.8 %
201868.07 %
201753.36 %
201650.31 %
201588.21 %
201491.56 %
201350.3 %
201272.21 %
2011113.64 %
2010118.33 %
200977.49 %
2008130.12 %
2007-1,105.87 %

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Unfortunately, there are currently no price targets and forecasts available for First National Financial.

First National Financial latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20240.94 0.89  (-5.57 %)2024 Q2
3/31/20240.85 0.82  (-3.51 %)2024 Q1
12/31/20230.82 0.72  (-12.34 %)2023 Q4
9/30/20230.91 1.38  (51.38 %)2023 Q3
6/30/20230.8 1.47  (84.14 %)2023 Q2
3/31/20230.62 0.58  (-5.83 %)2023 Q1
12/31/20220.66 0.7  (6.46 %)2022 Q4
9/30/20220.71 0.66  (-7.58 %)2022 Q3
6/30/20220.84 1.01  (19.82 %)2022 Q2
3/31/20220.7 0.88  (25.27 %)2022 Q1
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Eulerpool ESG Scorecard© for the First National Financial stock

Eulerpool World ESG Rating (EESG©)

24/ 100

🌱 Environment

4

👫 Social

53

🏛️ Governance

16

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

First National Financial shareholders

%
Name
Stocks
Change
Date
37.36923 % Smith (Stephen J. R.)22,409,35503/22/2024
34.02575 % Tawse (Moray)20,404,355-5,0003/22/2024
0.89924 % The Vanguard Group, Inc.539,248-34,8239/30/2024
0.73176 % BlackRock Institutional Trust Company, N.A.438,815-2,6569/30/2024
0.68389 % Mawer Investment Management Ltd.410,111-14,2916/30/2024
0.30913 % Dimensional Fund Advisors, L.P.185,37808/31/2024
0.17393 % Vancity Investment Management Ltd.104,29906/30/2024
0.15968 % Pembroke Management Ltd.95,754-2,1136/30/2023
0.14760 % Norges Bank Investment Management (NBIM)88,510-29,3346/30/2024
0.12961 % 1832 Asset Management L.P.77,72106/30/2024
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First National Financial Executives and Management Board

Mr. Jason Ellis(52)
First National Financial President, Chief Executive Officer, Director
Compensation 1.36 M
Mr. Jeremy Wedgbury
First National Financial Senior Vice President - Commercial Mortgages of First National
Compensation 992,440
Mr. Scott McKenzie
First National Financial Senior Vice President - Residential Mortgages of First National
Compensation 819,244
Mr. Moray Tawse(66)
First National Financial Executive Vice President, Secretary, Director
Compensation 763,962
Mr. Stephen Smith(71)
First National Financial Executive Chairman of the Board, Co-Founder (since 2006)
Compensation 763,792
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Most common questions regarding First National Financial

What values and corporate philosophy does First National Financial represent?

First National Financial Corp represents values of trust, integrity, and commitment to serving the financial needs of its clients. The company focuses on delivering innovative mortgage solutions while providing exceptional customer service. First National Financial Corp's corporate philosophy revolves around fostering long-term relationships with clients, partners, and employees. With their extensive expertise in the mortgage industry and strong market presence, First National is dedicated to continuous improvement and staying at the forefront of industry trends.

In which countries and regions is First National Financial primarily present?

First National Financial Corp is primarily present in Canada.

What significant milestones has the company First National Financial achieved?

First National Financial Corp has achieved several significant milestones. The company has grown steadily since its inception, establishing itself as a leading provider of mortgage financing in Canada. Over the years, First National Financial Corp has consistently increased its mortgage originations and expanded its loan portfolio. Additionally, the company has received numerous accolades for its exceptional customer service and industry-leading mortgage solutions. First National Financial Corp has also demonstrated its commitment to innovation by developing advanced technology platforms to enhance the mortgage application process. These achievements have further solidified First National Financial Corp's position as a trusted and reliable mortgage lender in the market.

What is the history and background of the company First National Financial?

First National Financial Corp, commonly known as First National, is a prominent Canadian mortgage lender. It was established in 1988 and has since grown to become Canada's largest non-bank mortgage originator and an important player in the mortgage-backed securities market. First National primarily focuses on residential and commercial mortgages, servicing clients across Canada. With its solid track record and experience spanning over three decades, First National has built a strong reputation for providing innovative mortgage solutions and excellent customer service. As a leading Canadian financial institution, First National continues to play a vital role in the country's housing finance market, ensuring accessibility to affordable mortgage options for many Canadians.

Who are the main competitors of First National Financial in the market?

The main competitors of First National Financial Corp in the market are other mortgage lending companies such as TD Bank Group, Scotiabank, Royal Bank of Canada, and Bank of Montreal. These companies also provide mortgage and other financial services, making them direct competitors in the mortgage lending industry. However, First National Financial Corp stands out with its strong track record, customer-centric approach, and innovative mortgage solutions, which differentiate it from its competitors and contribute to its market success.

In which industries is First National Financial primarily active?

First National Financial Corp is primarily active in the mortgage industry.

What is the business model of First National Financial?

The business model of First National Financial Corp (FNF) is primarily focused on providing mortgage solutions to Canadian individuals and businesses. As Canada's largest non-bank mortgage lender, FNF operates as a mortgage intermediary between borrowers and a network of over 300 mortgage brokers. By leveraging its expertise in underwriting, funding, and servicing mortgages, FNF offers competitive mortgage rates and personalized lending solutions to meet the diverse needs of its clients. With a strong commitment to customer service and industry-leading technology, FNF continues to maintain its position as a trusted and reliable mortgage partner in the Canadian market.

What is the P/E ratio of First National Financial 2024?

The First National Financial P/E ratio is 12.67.

What is the P/S ratio of First National Financial 2024?

The First National Financial P/S ratio is 2.84.

What is the Quality Investing of First National Financial?

The Quality Investing for First National Financial is 6/10.

What is the revenue of First National Financial 2024?

The expected First National Financial revenue is 871.41 M CAD.

How high is the profit of First National Financial 2024?

The expected First National Financial profit is 195.39 M CAD.

What is the business model of First National Financial

The First National Financial Corp. is a Canadian company specializing in mortgage and lending services for residential and commercial properties. Their business model includes various divisions that offer a wide range of financial products and services to individuals and commercial customers. One of First National's key divisions is mortgage financing. The company is able to provide a broad range of loan options, including variable and fixed interest rates, loan terms of up to 30 years, and loans with different repayment options. The offering caters to both homeowners and investors looking to invest in rental properties. In addition to mortgage financing, First National also operates as a commercial financing facility, offering various loans and lines of credit to help commercial customers achieve their business goals. For example, customers renting office spaces or operating retail stores can apply for loans to expand or repair their businesses. Apart from mortgages and commercial financing, First National has also developed a division for credit portfolio management. This means that the company acts as a servicer for mortgages and loans originated by other banks and financial institutions. In this role, it administers contracts with borrowers, processes payments, and monitors the collateral and repayments. Another important aspect of First National's business model is asset management. The company offers a comprehensive range of investment vehicles, including fixed income bonds, investment funds, and other investment instruments managed by the investment department. First National's investment advisors regularly seek attractive investment opportunities in the market to optimize their clients' wealth. In addition to the aforementioned activities, First National also provides various insurance products. Many of these offerings are specifically tailored to property owners and provide comprehensive protection against property losses, liabilities, and other risks. Overall, First National Financial Corp. has developed a comprehensive business model that offers individuals and businesses a wide range of financial products. The company strives to satisfy its customers through the high quality of its products and services while delivering good returns to its investors. With its strong presence and commitment in the real estate and financial industry, First National has become a key player in the Canadian market and is expected to continue to thrive in the future.

What is the First National Financial dividend?

First National Financial pays a dividend of 2.36 CAD distributed over payouts per year.

How often does First National Financial pay dividends?

The dividend cannot currently be calculated for First National Financial or the company does not pay out a dividend.

What is the First National Financial ISIN?

The ISIN of First National Financial is CA33564P1036.

What is the First National Financial WKN?

The WKN of First National Financial is A1H4UM.

What is the First National Financial ticker?

The ticker of First National Financial is FN.TO.

How much dividend does First National Financial pay?

Over the past 12 months, First National Financial paid a dividend of 2.41 CAD . This corresponds to a dividend yield of about 5.83 %. For the coming 12 months, First National Financial is expected to pay a dividend of 2.6 CAD.

What is the dividend yield of First National Financial?

The current dividend yield of First National Financial is 5.83 %.

When does First National Financial pay dividends?

First National Financial pays a quarterly dividend. This is distributed in the months of August, September, October, November.

How secure is the dividend of First National Financial?

First National Financial paid dividends every year for the past 20 years.

What is the dividend of First National Financial?

For the upcoming 12 months, dividends amounting to 2.6 CAD are expected. This corresponds to a dividend yield of 6.31 %.

In which sector is First National Financial located?

First National Financial is assigned to the 'Finance' sector.

Wann musste ich die Aktien von First National Financial kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of First National Financial from 11/15/2024 amounting to 0.204 CAD, you needed to have the stock in your portfolio before the ex-date on 10/31/2024.

When did First National Financial pay the last dividend?

The last dividend was paid out on 11/15/2024.

What was the dividend of First National Financial in the year 2023?

In the year 2023, First National Financial distributed 2.358 CAD as dividends.

In which currency does First National Financial pay out the dividend?

The dividends of First National Financial are distributed in CAD.

All fundamentals about First National Financial

Our stock analysis for First National Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First National Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.