10 Year Financial Data of Fairfax Financial Holdings Ltd (FRFHF)

405.22 (1y: +6%)

Market Cap	8.31 B	P/E(ttm)	13.20
Enterprise Value	12.7 B	P/B	1.10

FRFHF- OTCPK (USA)
Fairfax Financial Holdings Ltd

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$405.22

2 Severe Warning Signs 3 Medium Warning Signs 1 Good Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-1.2	-2.2	9.3
EBITDA Growth (%)	0	-45	95.1
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	10.5	5.8	5.2

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	384	448	356	375	423	442	363	302	366	395	401	79.80	84.73	91.92	136	88.15
EBITDA per Share	48.81	26.81	-17.60	61.44	135	137	67.83	19.48	2.49	35.80	41.41	0.70	6.26	2.84	25.94	6.37
Free Cashflow per Share	24.33	5.70	36.73	47.98	-14.85	5.33	-41.98	-0.25	-61.93	61.21	54.40	9.29	61.35	-1.23	-8.96	3.24
Earnings per Share ($)	18.23	-2.16	-30.72	11.92	58.38	79.53	43.75	21.31	-0.31	22.94	31.00	-0.69	3.85	0.90	19.13	7.12
Dividends Per Share	0.96	1.40	1.40	1.40	2.75	5.00	8.00	10.00	10.00	10.00	10.00	10.00	--	--	--	10.00
Book Value per Share	187	238	168	150	233	270	404	380	364	377	373	354	353	356	377	373
Month End Stock Price	175	169	143	199	286	313	390	410	431	361	391	403	392	387	361	391
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	9.30	-0.60	-17.10	8.00	25.70	29.70	11.20	5.40	0.50	6.00	7.60	--	4.40	1.60	18.40	7.60
Return on Assets %	1.10	-0.10	-1.80	0.90	3.90	5.40	3.00	1.50	0.10	1.40	1.60	--	1.20	0.40	4.40	1.60
Return on Capital - Joel Greenblatt %	--	3.80	-4.40	20.80	54.00	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.70	0.70	0.79	0.76	0.51	0.40	0.30	0.31	0.36	0.35	0.37	0.36	0.35	0.36	0.35	0.37

Operating Margin %	11.80	5.20	-5.40	16.00	31.70	30.60	18.20	5.70	-0.10	8.20	6.30	-0.10	6.50	2.10	18.30	6.30
Net Margin %	4.70	-0.30	-8.50	3.30	14.60	18.50	12.90	7.60	0.60	6.60	9.10	-0.10	5.40	1.80	14.60	9.10

Debt to Revenue	0.36	0.39	0.39	0.32	0.29	0.25	0.35	0.44	0.40	0.38	1.81	1.87	1.69	1.60	1.10	1.81
Interest Exp. to Revenue %	3.22	3.49	4.50	7.88	7.37	5.87	8.23	9.20	6.57	2.51	2.59	4.72	3.06	2.57	0.81	2.59

Asset Turnover	0.23	0.22	0.21	0.26	0.27	0.29	0.23	0.19	0.22	0.22	0.05	0.05	0.05	0.06	0.08	0.05
Buyback Ratio	--	-534	66.50	--	--	--	-101	-42.40	--	--	--	--	--	--	--	--
Dividend Payout Ratio	0.05	--	--	0.11	0.04	0.06	0.17	0.44	4.52	0.38	1.25	--	--	--	--	1.25
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Total Premiums Earned	4,209	4,802	4,704	4,851	4,649	4,529	4,422	4,581	5,427	6,085	6,208	1,340	1,379	1,603	1,763	1,463
Net Investment Income	--	--	--	--	--	--	--	--	--	15.00	18.70	--	--	--	--	18.70
Fees and Other Income	1,505	991	1,174	1,953	2,835	3,446	2,214	1,583	2,048	1,923	1,956	285	364	289	1,000	303
Revenue	5,714	5,793	5,878	6,804	7,484	7,975	6,636	6,164	7,475	8,023	8,183	1,625	1,743	1,892	2,763	1,785

Selling, General, &Admin. Expense	--	--	--	--	--	730	701	708	795	925	960	206	218	250	252	240
Policyholder Benefits & Claims	6,481	7,221	8,774	7,645	6,264	3,721	3,187	3,409	4,585	4,243	4,247	899	915	1,063	1,366	904
Policy Acquisition Expense	--	827	736	781	760	--	832	961	1,148	1,120	1,135	270	266	280	305	284
Earnings Before DDA	726	346	-291	1,114	2,397	2,467	1,241	398	50.80	728	843	14.30	129	58.40	526	129

Depreciation, Depletion and Amortization	52.10	42.60	25.20	24.90	27.00	22.40	35.80	46.30	59.50	71.00	71.30	16.60	15.00	18.30	21.10	16.90

Operating Income	674	304	-316	1,089	2,370	2,444	1,206	352	-8.70	657	771	-2.30	114	40.10	505	112
Net Income	271	-17.80	-498	228	1,096	1,474	857	469	45.10	532	695	-1.30	95.00	34.60	404	162

Preferred dividends	--	10.10	9.80	11.40	12.50	--	--	--	51.50	60.50	47.70	12.80	15.70	16.10	15.90	--
Earnings per Share ($)	18.23	-2.16	-30.72	11.92	58.38	79.53	43.75	21.31	-0.31	22.94	31.00	-0.69	3.85	0.90	19.13	7.12
Total Shares Outstanding	14.87	12.92	16.53	18.13	17.70	18.04	18.30	20.44	20.41	20.33	20.24	20.36	20.58	20.58	20.29	20.24
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Fixed Maturity Investment	--	7,289	8,127	8,944	--	8,426	10,918	11,748	10,835	10,804	10,394	10,725	9,848	9,931	10,804	10,394
Equity Investments	--	1,814	2,116	2,104	--	4,074	5,621	5,431	4,226	5,004	5,390	4,880	4,340	4,669	5,004	5,390
Short-term investments	--	--	--	--	--	5,509	3,245	3,514	6,199	6,960	6,307	5,424	7,035	7,027	6,960	6,307
Cash and cash equivalents	--	--	--	--	--	1,564	1,252	1,541	1,027	1,169	1,242	1,016	1,012	967	1,169	1,242
Accounts Receivable	10,655	10,482	10,036	5,507	6,947	1,689	1,855	2,019	1,735	2,212	2,265	1,981	2,049	1,966	2,212	2,265
Deferred Policy Acquisition Costs	412	379	392	369	371	322	332	357	416	463	473	441	502	492	463	473
Property, Plant and Equipment	98.70	99.80	95.70	86.00	81.60	133	169	198	211	260	--	--	--	--	260	--
Intangible Assets	214	228	211	239	53.80	123	439	949	1,115	1,301	1,293	1,176	1,177	1,324	1,301	1,293
Total Assets	25,018	26,331	27,566	26,577	27,942	27,305	28,403	31,738	33,407	36,941	36,856	33,873	33,865	34,491	36,941	36,856

Unpaid Loss & Loss Reserve	14,368	14,984	16,029	15,502	15,048	14,728	14,747	16,270	19,720	22,376	22,131	20,053	19,995	20,304	22,376	22,131
Unearned Premiums	2,442	2,368	2,429	2,299	2,242	1,891	1,920	2,121	--	--	--	--	--	--	--	--
Policyholder Funds	--	--	--	--	--	355	355	363	413	440	435	431	439	430	440	435
Current Portion of Long-Term Debt	--	89.20	63.90	68.20	--	21.10	12.10	2.20	1.00	52.10	43.20	3.10	18.80	65.40	52.10	43.20
Other liabilities	1,643	2,208	2,561	2,643	3,010	1,412	175	263	216	307	201	169	284	250	307	201
Long-Term Debt	2,034	2,156	2,235	2,116	2,171	1,946	2,302	2,727	3,018	2,997	3,178	3,040	2,929	2,969	2,997	3,178
Total Liabilities	22,100	23,122	24,660	23,720	23,684	22,337	20,784	23,042	25,044	28,120	28,140	25,491	25,435	25,996	28,120	28,140

Common Stock	1,510	1,782	2,075	2,072	2,067	2,125	3,059	7,762	7,428	7,655	7,550	--	--	--	7,655	7,550
Preferred Stock	137	137	137	137	137	103	227	935	935	1,166	1,166	1,166	1,166	1,166	1,166	1,166
Retained Earnings	1,115	1,062	531	597	1,658	2,872	3,469	--	--	--	--	--	--	--	--	--
Additional Paid-In Capital	101	97.80	59.40	57.90	57.90	--	--	--	--	--	--	--	--	--	--	--
Treasury Stock	--	--	--	-18.30	-22.60	-22.70	-28.70	--	--	--	--	--	--	--	--	--
Total Equity	2,918	3,209	2,906	2,857	4,258	4,969	7,619	8,697	8,363	8,821	8,717	8,382	8,430	8,495	8,821	8,717
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	336	56.10	-451	393	1,449	--	991	471	47.80	541	704	0.10	95.50	37.00	408	163
Depreciation, Depletion and Amortization	52.10	42.60	25.20	24.90	27.00	22.40	35.80	46.30	59.50	71.00	71.30	16.60	15.00	18.30	21.10	16.90
Cash Flow from Others	4.01	11.90	1,053	465	-1,721	97.50	-1,746	-484	-1,329	704	418	180	1,166	-61.30	-581	-106
Cash Flow from Operations	392	111	628	883	-245	120	-719	33.50	-1,222	1,316	1,194	197	1,277	-6.00	-152	74.60

Investment for Property, Plant & Equipement	-29.90	-37.00	-20.50	-13.20	-18.00	-23.70	-49.10	-38.60	-42.20	-71.50	-72.80	-7.70	-14.70	-19.30	-29.80	-9.00
Cash Flow from Acquisitions	-18.70	-55.90	-52.00	--	61.80	-11.00	-1,644	-455	277	-220	-168	-51.40	-65.00	-75.10	-28.30	--
Cash Flow from Investing	3,347	-2,131	-846	409	-2,110	588	-734	298	104	-291	-218	-129	-66.10	-81.50	-14.30	-55.70

Net Issuance of Stock	-30.60	268	292	--	-7.00	-0.20	847	156	-36.00	-50.60	-36.40	-18.00	-0.70	-1.00	-30.90	-3.80
Net Issuance of Preferred Stock	-136	-27.40	--	-29.20	--	-48.00	81.20	701	--	239	--	239	--	--	--	--
Net Issuance of Debt	528	118	-5.20	-49.50	-178	-196	320	224	102	-72.10	110	-2.00	-77.50	3.70	3.70	180
Cash Flow for Dividends	-23.70	-29.60	-32.30	-36.50	-61.50	-125	-159	-232	-257	-273	-275	-219	-22.40	-16.10	-15.90	-221
Other Financing	-14.53	--	112	-5.50	-158	-702	-96.60	-75.30	-6.70	-8.70	-2.80	-7.40	0.00	--	-1.30	-1.50
Cash Flow from Financing	323	329	367	-121	-405	-1,070	993	774	-198	-165	-205	-6.90	-101	-13.40	-44.40	-46.40

Net Change in Cash	4,094	-1,675	161	1,173	-2,651	-587	-369	1,118	-1,316	859	771	60.50	1,110	-101	-211	-27.50

Free Cash Flow	362	73.60	607	870	-263	96.20	-768	-5.10	-1,264	1,244	1,121	189	1,262	-25.30	-182	65.60
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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