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Home CompaniesFirst National Financial Corp

First National Financial Corp

Financial Services Mortgage Finance
PortfolioPortfolio WatchlistWatchlist
Company price
None CAD 0.00(0%)
Last update at 2025-11-27T20:00:09.850169Z
Market Cap
2877.24M
P/E
15.63

Momentum Score

…

First National Financial Corporation, together with its subsidiaries, originates, underwrites, and services residential and commercial mortgages in Canada. It operates in two segments, Residential and Commercial segments. The company offers single-family and multi-unit residential, and commercial mortgages. It provides underwriting and fulfillment processing services through mortgage broker distribution channel. The company was founded in 1988 and is headquartered in Toronto, Canada. As of October 22, 2025, First National Financial Corporation was taken private.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

52 Week Price Range
34.37
Low
48.36
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
-
Dividend Yield
3.87%
Revenue TTM
697.86M
Revenue Per Share
11.64
Gross Profit TTM
578.33M
Debt / Equity
60.70
ROE
24.57%
Net Debt
45354.24M
ROCE
0.60%
Diluted EPS TTM
3.07

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 269.08M 263.82M 258.73M 241.71M 227.42M
Minority interest - 0.00M - - 0.00M
Net income 197.73M 194.56M 190.23M 177.21M 163.50M
Selling general administrative 192.99M 177.04M 143.50M 117.58M 99.73M
Gross profit 698.99M 180.96M 459.87M 407.16M 390.14M
Reconciled depreciation 13.62M 9.18M 7.66M 7.81M 4.93M
Ebit 252.42M 251.94M 1020.14M 1058.48M 227.42M
Ebitda 266.04M 261.13M 1027.80M 1066.30M 224.49M
Depreciation and amortization 13.62M 9.18M 7.66M 7.81M 4.93M
Operating income 252.42M 251.94M 1020.14M 1058.48M 227.42M
Other operating expenses 429.91M 430.77M 57.64M 47.87M 238.07M
Interest expense 3.04M 679.19M 761.41M 816.77M 716.02M
Tax provision 71.35M 69.26M 68.50M 64.50M 60.99M
Interest income 908.57M 793.51M 837.58M 877.72M 790.19M
Net interest income 33.27M 114.32M 76.17M 60.95M 74.17M
Income tax expense 71.35M 69.26M 68.50M 64.50M 60.99M
Total revenue 698.99M 180.96M 459.87M 407.16M 465.49M
Total operating expenses -429.91M -430.77M - 268.04M -238.07M
Cost of revenue 1048.59M 880.97M 920.43M 919.37M 791.37M
Total other income expense net 16.66M 11.88M -761.41M -816.77M 227.42M
Net income from continuing ops 197.73M 194.56M 190.23M 177.21M 166.43M
Net income applicable to common shares 194.69M 191.87M 187.38M 174.16M 163.50M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 51157.14M 45957.40M 43763.67M 42274.16M 39488.53M
Other current assets - -1180.49M 790.79M 951.86M 807.46M
Total liab 50418.93M 45219.64M 38353.49M 36940.66M 38917.73M
Total stockholder equity 738.21M 737.76M 698.98M 487.64M 570.80M
Other current liab - -4223.13M 52.59M 50.23M -52.44M
Common stock - 122.67M 122.67M 122.67M 122.67M
Capital stock 220.06M 220.06M 220.06M 220.06M 220.06M
Retained earnings 499.89M 477.80M 418.24M 364.97M 383.99M
Other liab - - 149.40M 88.00M 67.10M
Good will 29.78M 29.78M 29.78M 29.78M 29.78M
Other assets - 45957.40M 43497.92M 42037.19M 37065.92M
Cash - 702.40M -51.17M -52.87M -22.92M
Total current liabilities - 4223.13M 4510.64M 4615.22M 52.44M
Net debt 45354.24M 44083.27M 38455.83M 37046.40M 35392.73M
Short term debt - 4223.13M 4315.32M 4445.72M 1.25M
Short long term debt - - - - 1.25M
Short long term debt total - 44785.67M 38404.66M 36993.53M 35369.81M
Other stockholder equity - - 60.67M -89.77M -33.26M
Property plant equipment - - 89.37M 89.35M 33.21M
Total current assets - - 146.61M 117.84M 159.14M
Long term investments 3386.96M 2556.52M 2226.82M 38162.15M 36387.94M
Net tangible assets - - 571.81M 450.24M 443.63M
Net receivables 238.03M 478.09M 197.78M 170.71M 182.07M
Long term debt 45354.24M 40562.54M 38353.49M 36940.66M 35346.89M
Accounts payable - - - 222.37M 51.19M
Accumulated other comprehensive income - 39.90M 60.67M -7.63M -33.26M
Common stock total equity - - - - 122.67M
Non currrent assets other - -90734.31M -2226.82M -2726.70M -2263.47M
Non current assets total - - 119.14M 119.13M 2263.47M
Capital lease obligations 46.67M 49.69M 51.17M 52.87M 22.92M
Long term debt total - - 38404.66M 36993.53M 35369.81M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -52.87M -12.74M 145.83M -199.59M 174.91M
Change to liabilities 0.00M 0.00M 0.00M 0.00M 0.00M
Total cashflows from investing activities -52.87M -12.74M 145.83M -199.59M 174.91M
Net borrowings -412.72M 345.35M 370.67M 8.71M 61.94M
Total cash from financing activities -556.73M 133.05M 220.05M -138.51M -112.09M
Change to operating activities 493.91M -507.73M -285.84M 350.44M -425.26M
Net income 197.73M 194.56M 190.23M 177.21M 166.43M
Change in cash -100.45M -282.59M 114.93M 120.59M -274.52M
Begin period cash flow -965.42M -682.83M -797.76M -918.35M -643.83M
End period cash flow -1065.87M -965.42M -682.83M -797.76M -918.35M
Total cash from operating activities 509.16M -402.89M -250.96M 458.70M -337.34M
Depreciation 13.62M 9.18M 7.66M 7.81M 4.93M
Other cashflows from investing activities -40.49M -16.90M -4.62M -7.67M -9.50M
Dividends paid 144.01M 137.87M 150.62M 147.22M 174.03M
Other cashflows from financing activities -407.08M 275.15M 545.67M 8.71M 61.94M
Change to netincome -196.11M -98.91M -163.01M -76.77M -83.44M
Capital expenditures 12.38M 31.96M 3.58M 5.87M 2.63M
Change in working capital 493.91M -507.73M -285.84M 350.44M -425.26M
Stock based compensation - - 73.91M -32.49M -
Other non cash items -232.96M -110.52M -158.61M -80.37M -508.70M
Free cash flow 496.78M -434.85M -254.54M 452.82M -339.97M

Peer Comparison*

Sector: Financial Services Industry: Mortgage Finance

Stock Name
Change
(CAD)
Price
(CAD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
MKP
MCAN Mortgage Corporation		 0.39
1.78%		 22.27 12.76 12.08 7.32 1.53 6.88
DLCG
Dominion Lending Centres Inc		 0.23
2.80%		 8.63 31.94 20.04 7.92 5.68 8.29
AI
Atrium Mortgage Investment Corp		 0.19
1.70%		 11.37 11.69 11.75 9.56 1.11 12.51
TF
Timbercreek Financial Corp		 0.20
4.00%		 5.33 16.21 10.68 10.28 0.85 7.72

Profile*

First National Financial Corp

First National Financial Corporation, together with its subsidiaries, originates, underwrites, and services residential and commercial mortgages in Canada. It operates in two segments, Residential and Commercial segments. The company offers single-family and multi-unit residential, and commercial mortgages. It provides underwriting and fulfillment processing services through mortgage broker distribution channel. The company was founded in 1988 and is headquartered in Toronto, Canada. As of October 22, 2025, First National Financial Corporation was taken private.

16 York Street, Toronto, ON, Canada, M5J 0E6

416 593 1100

https://www.firstnational.ca

1861

Name Title Year Born
Mr. Stephen J. R. Smith Co-Founder & Exec. Chairman 1952
Mr. Jason Ellis CEO, Pres & Director 1971
Mr. Moray Tawse Co-Founder, Exec. VP, Sec. & Director 1957
Mr. Robert A. Inglis Chief Financial Officer NA
Mr. Jeremy Wedgbury Sr. VP of Commercial Mortgages NA
Ms. Hilda Wong Sr. VP & Gen. Counsel NA
Ms. Wendy Kim Burkin VP of HR NA
Mr. Scott C. McKenzie Sr. VP of Residential Mortgages NA
Mr. Thomas Kim Sr. VP & MD of Capital Markets NA
Mr. Ernie Stapleton Pres of Fundamental NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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