# Fairfax Financial Holdings Limited (FFH.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Insurance. Price C$2297.34, market value C$47.7 billion.

## Valuation
- **P/E (trailing): 8.1×** (5-yr avg 10.5×, 3-yr avg 10.3×). Fairfax Financial Holdings Limited trades at 8.1× trailing earnings, well below its own five-year average of 10.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.0×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.28**. A PEG of 0.28 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.2×**. Each dollar of revenue is priced at 1.2×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -2.5%** (5-yr avg 4.8%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 12.3%**. The inverse of the P/E: 12.3% of the price is earned each year.

## Profitability
- **Net margin: 15.7%**. 15.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 18.0%**. 18.0% on shareholders' equity is solid.
- **Return on assets: 4.2%**. Each dollar of assets produces 4.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 6.9%** (3-yr 15.8%/yr, 5-yr 8.9%/yr). Revenue grew 6.9% over the last year, against 8.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 35.5%** (3-yr 68.7%/yr, 5-yr 188.9%/yr). Earnings per share rose 35.5%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: C$16.1 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: 0.90%** (C$20.77 per share, trailing). Fairfax Financial Holdings Limited yields 0.90%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 8%**. 8% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 3**. 3 straight years of increases.
- **Dividend growth (5 yr): 10.5%/yr** (1-yr 6.3%). The dividend has compounded at 10.5% a year over five years, doubling roughly every 7 years at that pace.
- **Shareholder yield: 11.2%**. Dividends plus net buybacks return 11.2% of the market value a year.

## Price and momentum
- **Total return (1 yr): -2.9%** (YTD -11.5%, 3-mo 3.5%). The shares are down 2.9% over twelve months including dividends.
- **From 52-week high: -14.9%** (11.2% above the low). Trading 15% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.31** (volatility 23%). Beta of 0.31 against the S&P/TSX Composite: the shares move much less than the market.

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

Not investment advice.