# Canadian General Investments, Ltd (CGI.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services. Price C$53.90, market value C$1.1 billion.

## Valuation
- **P/E (trailing): 3.0×** (5-yr avg 3.4×, 3-yr avg 3.4×). Canadian General Investments, Ltd trades at 3.0× trailing earnings, close to its own five-year average of 3.4×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 4.2×**. Each dollar of revenue is priced at 4.2×.
- **Price / book: 0.6×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 4.1%** (5-yr avg 2.8%). Free cash flow equals 4.1% of the market value, above its five-year average of 2.8%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 32.9%**. The inverse of the P/E: 32.9% of the price is earned each year.

## Profitability
- **Gross margin: 119.6%**. Canadian General Investments, Ltd keeps 119.6% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 225.6%**. 225.6% of revenue is left after running the business, an exceptional level.
- **Net margin: 275.6%**. 275.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.4%**. 15.4% on shareholders' equity is solid.
- **Return on assets: 30.0%**. Each dollar of assets produces 30.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -35.1%** (5-yr 11.6%/yr). Revenue fell 35.1% over the last year, against 11.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -15.5%** (5-yr -2.2%/yr). Earnings per share fell 15.5%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: C$1.9 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.23%** (C$1.20 per share, trailing). Canadian General Investments, Ltd yields 2.23%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 9%** (94% of free cash flow). 9% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 5.2%/yr** (1-yr 8.0%). The dividend has grown 5.2% a year over five years.
- **Shareholder yield: 2.2%**. Dividends plus net buybacks return 2.2% of the market value a year.

## Price and momentum
- **Total return (1 yr): 26.0%** (YTD 15.5%, 3-mo 2.6%). The shares are up 26.0% over twelve months including dividends.
- **From 52-week high: -1.1%** (24.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.64** (volatility 20%). Beta of 0.64 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CGI.TO · Page: https://foliofundamentals.com/stocks/cgi.to

Not investment advice.