First Niagara Financial Group, Inc.
First Niagara Financial Group, Inc. Fundamental Analysis
First Niagara Financial Group, Inc. (FNFG) shows moderate financial fundamentals with a PE ratio of 15.95, profit margin of 21.21%, and ROE of 5.45%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 43.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FNFG's fundamental strength across five key dimensions:
Efficiency Score
WeakFNFG struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFNFG trades at attractive valuation levels.
Growth Score
WeakFNFG faces weak or negative growth trends.
Financial Health Score
ModerateFNFG shows balanced financial health with some risks.
Profitability Score
WeakFNFG struggles to sustain strong margins.
Key Financial Metrics
Is FNFG Expensive or Cheap?
P/E Ratio
FNFG trades at 15.95 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, FNFG's PEG of 0.16 indicates potential undervaluation.
Price to Book
The market values First Niagara Financial Group, Inc. at 0.87 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -11.53 times EBITDA. This is generally considered low.
How Well Does FNFG Make Money?
Net Profit Margin
For every $100 in sales, First Niagara Financial Group, Inc. keeps $21.21 as profit after all expenses.
Operating Margin
Core operations generate 28.60 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $5.45 in profit for every $100 of shareholder equity.
ROA
First Niagara Financial Group, Inc. generates $0.56 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $0.75 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.95
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.16
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.87
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.61
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.83
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.008
vs 25 benchmark
How FNFG Stacks Against Its Sector Peers
| Metric | FNFG Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.95 | 18.56 | Better (Cheaper) |
| ROE | 5.45% | 828.00% | Weak |
| Net Margin | 21.21% | -175.00% (disorted) | Strong |
| Debt/Equity | 1.61 | 1.00 | Weak (High Leverage) |
| Current Ratio | 1.83 | 663.54 | Neutral |
| ROA | 0.56% | -21308.00% (disorted) | Weak |
FNFG outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews First Niagara Financial Group, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical