# Urbana Corporation (URB.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Capital Markets. Price C$9.16, market value C$379 million.

## Valuation
- **P/E (trailing): 3.4×** (5-yr avg 4.4×, 3-yr avg 3.6×). Urbana Corporation trades at 3.4× trailing earnings, well below its own five-year average of 4.4×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 5.2×**. Each dollar of revenue is priced at 5.2×.
- **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: -3.7%** (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: 29.0%**. The inverse of the P/E: 29.0% 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: 1.53%** (C$0.14 per share, trailing). Urbana Corporation yields 1.53%, 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: 5**. 5 straight years of increases.

## Price and momentum
- **Total return (1 yr): 26.6%** (YTD -4.3%, 3-mo -1.4%). The shares are up 26.6% over twelve months including dividends.
- **From 52-week high: -16.7%** (29.2% above the low). Trading 17% 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): 0.21** (volatility 28%). Beta of 0.21 against the S&P/TSX Composite: the shares move much less than the market.

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

Not investment advice.