Concordia Financial Group, Ltd.
Concordia Financial Group, Ltd. Fundamental Analysis
Concordia Financial Group, Ltd. (CCRDF) shows moderate financial fundamentals with a PE ratio of 16.11, profit margin of 23.08%, and ROE of 7.80%. The company generates $462.5B in annual revenue with moderate year-over-year growth of 6.76%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 41.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CCRDF's fundamental strength across five key dimensions:
Efficiency Score
WeakCCRDF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCCRDF trades at attractive valuation levels.
Growth Score
ExcellentCCRDF delivers strong and consistent growth momentum.
Financial Health Score
ModerateCCRDF shows balanced financial health with some risks.
Profitability Score
WeakCCRDF struggles to sustain strong margins.
Key Financial Metrics
Is CCRDF Expensive or Cheap?
P/E Ratio
CCRDF trades at 16.11 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CCRDF's PEG of 0.20 indicates potential undervaluation.
Price to Book
The market values Concordia Financial Group, Ltd. at 1.22 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 29.14 times EBITDA. This signals the market has high growth expectations.
How Well Does CCRDF Make Money?
Net Profit Margin
For every $100 in sales, Concordia Financial Group, Ltd. keeps $23.08 as profit after all expenses.
Operating Margin
Core operations generate 25.25 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.80 in profit for every $100 of shareholder equity.
ROA
Concordia Financial Group, Ltd. generates $0.41 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Concordia Financial Group, Ltd. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Concordia Financial Group, Ltd. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
CCRDF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.11
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.71
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.81
vs 25 benchmark
Current Ratio
Current assets to current liabilities
7.92
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How CCRDF Stacks Against Its Sector Peers
| Metric | CCRDF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.11 | 18.91 | Better (Cheaper) |
| ROE | 7.80% | 810.00% | Weak |
| Net Margin | 23.08% | 1736.00% | Weak |
| Debt/Equity | 1.81 | 0.98 | Weak (High Leverage) |
| Current Ratio | 7.92 | 621.89 | Strong Liquidity |
| ROA | 0.41% | -23442.00% (disorted) | Weak |
CCRDF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Concordia Financial Group, Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
36.79%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
85.64%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
146.93%
Industry Style: Value, Dividend, Cyclical
High Growth