FNLIF (First National Financial) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FNLIF First National Financial Corp FNLIF
19 GF Score
Price $34.22
GF Value $42.59
! 5 Warning Signs
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What is First National Financial Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

First National Financial Quality Rank Related Terms

FNLIF
19GF Score
First National Financial Corp FNLIF
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is First National Financial (FNLIF) Overvalued in 2026?

Based on GuruFocus' analysis, First National Financial stock appears to be undervalued. The current stock price of $34.22 is trading 19.7% below its estimated GF Value™ of $42.59.

Key valuation signals for FNLIF:

  • Quality Rank:
  • GF Value™: $42.59 vs. price of $34.22 (19.7% below fair value)
  • GF Score™: 19/100 with 5 warning signs

No single metric tells the full story. See the FNLIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First National Financial Business Description

Address 16 York Street, Suite 1900, Toronto, ON, CAN, M5J 0E6
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

Get the complete analysis for FNLIF

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.22
Price
$42.59
GF Value