# NFI Group Inc. (NFI.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Consumer Cyclical / Automobiles. Price C$24.30, market value C$2.9 billion.

## Valuation
- **P/E (trailing): 38.6×**. NFI Group Inc. trades at 38.6× trailing earnings. The Consumer Cyclical median in the September 2026 study was 19.5×. Forward P/E is 12.3×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 3.4×**. The shares trade at 3.4× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 20.7×**. Enterprise value is 20.7× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 12.7%** (5-yr avg -7.6%). Free cash flow equals 12.7% of the market value, above its five-year average of -7.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 2.6%**. The inverse of the P/E: 2.6% of the price is earned each year.

## Profitability
- **Gross margin: 9.2%**. NFI Group Inc. keeps 9.2% of revenue after the direct cost of what it sells, a thin margin typical of retail, distribution and commodity businesses.
- **Operating margin: 1.8%**. 1.8% of revenue is left after running the business, which leaves little cushion in a downturn.
- **Net margin: -3.9%**. The company reported a net loss over the last twelve months.
- **Return on equity: -24.7%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 2.3%**. Return on all capital, debt included, is 2.3%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 1.8%**. Each dollar of assets produces 1.8% of profit.

## Growth
- **Revenue growth (1 yr): 17.8%** (3-yr 21.4%/yr, 5-yr 8.7%/yr). Revenue grew 17.8% over the last year, against 8.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -3966.7%**. Earnings per share fell 3966.7%, slower than revenue, so margins compressed.

## Financial health
- **Debt to equity: 2.20**. Debt is 2.20 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 7.4×**. It would take 7.4 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Interest coverage: 0.5×**. Operating profit covers interest only 0.5×: fragile.
- **Current ratio: 1.47** (quick 0.72). Current assets cover the next year's liabilities 1.47 times.
- **Altman Z-score: 2.24**. A Z-score of 2.24 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. NFI Group Inc. does not currently pay a dividend, but it returned -0.0% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): 30.8%** (YTD 56.6%, 3-mo 8.9%). The shares are up 30.8% over twelve months including dividends.
- **From 52-week high: -8.0%** (94.4% above the low). Trading 8% 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): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.67** (volatility 36%). Beta of 0.67 against the S&P/TSX Composite: the shares move much less than the market.

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

Not investment advice.