# Clairvest Group Inc. (CVG.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Capital Markets. Price C$81.16, market value C$1.1 billion.

## Valuation
- **P/E (trailing): 8.0×** (5-yr avg 10.4×, 3-yr avg 8.6×). Clairvest Group Inc. trades at 8.0× trailing earnings, well below its own five-year average of 10.4×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 5.0×**. Each dollar of revenue is priced at 5.0×.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 6.1%** (5-yr avg 2.4%). Free cash flow equals 6.1% of the market value, above its five-year average of 2.4%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 12.5%**. The inverse of the P/E: 12.5% of the price is earned each year.

## Profitability
- **Net margin: 56.6%**. 56.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.7%**. 8.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 9.4%**. Each dollar of assets produces 9.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 16.0%** (3-yr 18.5%/yr, 5-yr 2.0%/yr). Revenue grew 16.0% over the last year, against 2.0% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -5.1%** (3-yr 32.2%/yr, 5-yr 2.9%/yr). Earnings per share fell 5.1%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 10.8%/yr**. Free cash flow has compounded at 10.8% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: C$228 million**. 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: 0.12%** (C$0.10 per share, trailing). Clairvest Group Inc. yields 0.12%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 11%**. 11% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -30.8%/yr** (1-yr 10.1%). The dividend has not grown over five years.
- **Shareholder yield: 5.4%**. Dividends plus net buybacks return 5.4% of the market value a year.

## Price and momentum
- **Total return (1 yr): 16.6%** (YTD 12.6%, 3-mo 8.5%). The shares are up 16.6% over twelve months including dividends.
- **From 52-week high: -6.7%** (16.7% above the low). Trading 7% below 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): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 0.00** (volatility 16%). Beta of 0.00 against the S&P/TSX Composite: the shares move much less than the market.

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

Not investment advice.