# Urbana Corporation (URB-A.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Capital Markets. Price C$8.70, market value C$360 million.

## Valuation
- **P/E (trailing): 3.3×** (5-yr avg 4.1×, 3-yr avg 3.4×). Urbana Corporation trades at 3.3× trailing earnings, close to its own five-year average of 4.1×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 4.9×**. Each dollar of revenue is priced at 4.9×.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -3.9%** (5-yr avg 5.7%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 30.6%**. The inverse of the P/E: 30.6% of the price is earned each year.

## Profitability
- **Net margin: -470.5%**. The company reported a net loss over the last twelve months.
- **Return on equity: 12.9%**. 12.9% on shareholders' equity is solid.
- **Return on assets: 18.0%**. Each dollar of assets produces 18.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): -32.1%** (3-yr 54.8%/yr, 5-yr 44.0%/yr). Earnings per share fell 32.1%.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: C$725,165**. 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: 1.61%** (C$0.14 per share, trailing). Urbana Corporation yields 1.61%, 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: 6**. 6 straight years of increases.
- **Dividend growth (5 yr): 10.2%/yr** (1-yr 8.3%). The dividend has compounded at 10.2% a year over five years, doubling roughly every 7 years at that pace.

## Price and momentum
- **Total return (1 yr): 22.1%** (YTD -3.5%, 3-mo 3.3%). The shares are up 22.1% over twelve months including dividends.
- **From 52-week high: -10.8%** (20.7% above the low). Trading 11% 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): 60**. An RSI of 60 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=URB-A.TO · Page: https://foliofundamentals.com/stocks/urb-a.to

Not investment advice.