* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TSX:FN vs RKT, FNMA, FMCC: FCF Margin % Comparison
For the Mortgage Finance subindustry, First National Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First National Financial FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First National Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First National Financial's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First National Financial (TSX:FN) has a FCF Margin % of 763.12% as of Sep. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First National Financial and its competitors.
Is First National Financial's FCF Margin % too high?
First National Financial's current FCF Margin % is 763.12%. The Banks industry median FCF Margin % is 26.42. First National Financial's value of 763.12% is 2788.4% above this industry median. Overall, First National Financial has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does First National Financial's FCF Margin % compare to RKT and FNMA?
First National Financial's FCF Margin % of 763.12% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.42. First National Financial's value of 763.12% is 2788.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First National Financial's current FCF Margin % of 763.12% is 2788.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First National Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First National Financial's current FCF Margin % is 763.12%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National Financial stock overvalued right now?
First National Financial (TSX:FN) has a current FCF Margin % of 763.12%. The stock's GF Value™ is C$59.71, compared to a current price of C$47.98 — trading 19.6% below its estimated fair value. The current FCF Margin % is 763.12% and 2788.4% above the Banks industry median of 26.42. First National Financial's overall GF Score™ is 19/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First National Financial (TSX:FN), the current FCF Margin % is 763.12% as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First National Financial (TSX:FN) Overvalued in 2026?
Based on GuruFocus' analysis, First National Financial stock appears to be undervalued.
The current stock price of C$47.98 is trading 19.6% below its estimated GF Value™ of C$59.71.
Key valuation signals for TSX:FN:
FCF Margin %: 763.12%
GF Value™: C$59.71 vs. price of C$47.98 (19.6% below fair value)
No single metric tells the full story. See the TSX:FN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First National Financial Corp is a Canadian originator, underwriter and servicer of predominantly prime residential and commercial mortgages. The Company operates in two business segments, Residential and Commercial. These segments are organized by mortgage type and contain revenue and expenses related to origination, underwriting, securitization and servicing activities. It derives maximum revenue from Residential segment.
19GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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