First National Financial Corporation
First National Financial Corporation Fundamental Analysis
First National Financial Corporation (FNLIF) shows moderate financial fundamentals with a PE ratio of 18.96, profit margin of 12.00%, and ROE of 20.58%. The company generates $1.3B in annual revenue with weak year-over-year growth of 2.13%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 30.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FNLIF's fundamental strength across five key dimensions:
Efficiency Score
WeakFNLIF struggles to generate sufficient returns from assets.
Valuation Score
ModerateFNLIF shows balanced valuation metrics.
Growth Score
WeakFNLIF faces weak or negative growth trends.
Financial Health Score
WeakFNLIF carries high financial risk with limited liquidity.
Profitability Score
WeakFNLIF struggles to sustain strong margins.
Key Financial Metrics
Is FNLIF Expensive or Cheap?
P/E Ratio
FNLIF trades at 18.96 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, FNLIF's PEG of 2.64 indicates potential overvaluation.
Price to Book
The market values First National Financial Corporation at 3.83 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at -184.55 times EBITDA. This is generally considered low.
How Well Does FNLIF Make Money?
Net Profit Margin
For every $100 in sales, First National Financial Corporation keeps $12.00 as profit after all expenses.
Operating Margin
Core operations generate 19.85 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $20.58 in profit for every $100 of shareholder equity.
ROA
First National Financial Corporation generates $0.28 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
First National Financial Corporation generates limited operating cash flow of $-739.76M, signaling weaker underlying cash strength.
Free Cash Flow
First National Financial Corporation generates weak or negative free cash flow of $-739.32M, restricting financial flexibility.
FCF Per Share
Each share generates $-12.33 in free cash annually.
FCF Yield
FNLIF converts -25.83% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.96
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.64
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.83
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.27
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
66.95
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.05
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.21
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How FNLIF Stacks Against Its Sector Peers
| Metric | FNLIF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.96 | 18.66 | Neutral |
| ROE | 20.58% | 806.00% | Weak |
| Net Margin | 12.00% | -451.00% (disorted) | Strong |
| Debt/Equity | 66.95 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.05 | 662.02 | Weak Liquidity |
| ROA | 0.28% | -24409.00% (disorted) | Weak |
FNLIF outperforms its industry in 1 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 National Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
478.15%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
14.77%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-266.50%
Industry Style: Value, Dividend, Cyclical
Declining