First National Financial (TSX:FN) Total Payout Ratio: 0.88 (As of Jul. 19, 2026)

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First National Financial Corp TSX:FN

What is First National Financial Total Payout Ratio?

First National Financial TSX:FN 19 Total Payout Ratio is 0.88 as of Jul. 19, 2026. GuruFocus rates TSX:FN with a GF Score™ of 19/100 and a GF Value™ of C$59.71. The stock has 5 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

First National Financial's current Total Payout Ratio is 0.88.

First National Financial Total Payout Ratio Related Terms

First National Financial Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for First National Financial's Total Payout Ratio can be seen below:

* 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 Total Payout Ratio Chart

First National Financial Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Total Payout Ratio

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0.79

1.09

0.73

0.76

0.89

First National Financial Quarterly Data
	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25
Total Payout Ratio	Get a 7-Day Free Trial															1.04	1.08	1.56	0.61	0.67

TSX:FN vs RKT, FNMA, FMCC: Total Payout Ratio Comparison

For the Mortgage Finance subindustry, First National Financial's Total Payout Ratio, along with its competitors' market caps and Total Payout Ratio 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 Total Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, First National Financial's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where First National Financial's Total Payout Ratio falls into.

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19GF Score

First National Financial Corp TSX:FN

Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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First National Financial Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

First National Financial's Total Payout Ratio for the fiscal year that ended in Dec. 2024 is calculated as

Total Payout Ratio	=	- (Repurchase of Stock	+	Issuance of Stock	+	Cash Flow for Dividends)	/	Net Income
	=	- (0	+	0	+	-181.117)	/	203.39
	=	0.89

First National Financial's Total Payout Ratio for the quarter that ended in Sep. 2025 is calculated as

Total Payout Ratio	=	- (Repurchase of Stock	+	Issuance of Stock	+	Cash Flow for Dividends)	/	Net Income
	=	- (0	+	0	+	-38.33)	/	56.989
	=	0.67

Frequently Asked Questions Learn more about Total Payout Ratio →

What does a Total Payout Ratio of 0.88 mean?

First National Financial (TSX:FN) has a Total Payout Ratio of 0.88 as of Jul. 19, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on First National Financial and its competitors.

Is First National Financial's Total Payout Ratio too high?

First National Financial's current Total Payout Ratio is 0.88. 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 Total Payout Ratio compare to RKT and FNMA?

First National Financial's Total Payout Ratio of 0.88 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Total Payout Ratio for a Banks company?

A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Total Payout Ratio mean?

A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on First National Financial and its competitors. First National Financial's current Total Payout Ratio is 0.88. 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 Total Payout Ratio of 0.88. 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 Total Payout Ratio is 0.88. 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 Total Payout Ratio calculated?

Total Payout Ratio is calculated from a company's financial statements. For First National Financial (TSX:FN), the current Total Payout Ratio is 0.88 as of Jul. 19, 2026. 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:

Total Payout Ratio: 0.88
GF Value™: C$59.71 vs. price of C$47.98 (19.6% below fair value)
GF Score™: 19/100 with 5 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies TSX:MKP TSX:ECN TSX:DLCG TSX:TF TSX:AI TSX:FC TSXV:BCF TSXV:FDI RKT FNMA NSE:BAJAJHFL FMCC PFSI NSE:LICHSGFIN WD NSE:PNBHOUSING LSE:OSB NSE:AADHARHFC LSE:PAG BOM:543335

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

Website https://www.firstnational.ca

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 TSX:FN

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

C$47.98

Price

C$59.71

GF Value

View TSX:FN Analysis

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