CTC-A Stock Analysis: Canadian Tire | TO
Specialty Retail | TO, Canada | Market Cap: 11.332m CAD | 12M Return: 35% | CA1366812024 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 40.9M
EPS Trend: 96.8%
Qual. Beats: 1
Rev. Trend: -30.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Canadian Tire Corporation is a Canadian consumer discretionary retailer selling automotive, home, sports, outdoor, and seasonal goods through stores and online. Its retail banners include Canadian Tire, SportChek, Mark’s, and PartSource, and it also offers automotive services and loyalty programs.
The company’s other businesses include CT REIT, which owns retail, industrial, and mixed-use properties, and Financial Services, which provides credit, insurance, and deposit products. Founded in 1922, Canadian Tire is headquartered in Toronto.
- Soft Canadian consumer spending pressures discretionary retail sales and margins
- Promotional competition weighs on Retail segment profitability
- Rising card delinquencies increase Financial Services credit-loss provisions
| Net Income: 676.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -2.58 > 1.0 |
| NWC/Revenue: 35.01% < 20% (prev 31.64%; Δ 3.37% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.20b > Net Income 676.1m |
| Net Debt (7.21b) to EBITDA (2.45b): 2.94 < 3 |
| Current Ratio: 1.88 > 1.5 & < 3 |
| Outstanding Shares: last quarter (52.6m) vs 12m ago -4.17% < -2% |
| Gross Margin: 29.05% > 18% (prev 33.40%; Δ -4.34% > 0.5%) |
| Asset Turnover: 74.96% > 50% (prev 76.19%; Δ -1.22% > 0%) |
| Interest Coverage Ratio: 5.04 > 6 (EBIT TTM 1.68b / Interest Expense TTM 332.9m) |
| A: 0.26 (Total Current Assets 12.4b - Total Current Liabilities 6.59b) / Total Assets 22.6b |
| B: 0.23 (Retained Earnings 5.29b / Total Assets 22.6b) |
| C: 0.08 (EBIT TTM 1.68b / Avg Total Assets 22.1b) |
| D: 0.38 (Book Value of Equity 5.98b / Total Liabilities 15.7b) |
| Altman-Z'' = 3.35 = A |
| DSRI: 0.10 (Receivables 759.0m/7.40b, Revenue 16.5b/16.4b) |
| GMI: 1.15 (GM 33.40% / 29.05%) |
| AQI: 0.97 (AQ_t 0.12 / AQ_t-1 0.12) |
| SGI: 1.01 (Revenue 16.5b / 16.4b) |
| TATA: -0.02 (NI 676.1m - CFO 1.20b) / TA 22.6b) |
| Beneish M = -3.64 (Cap -4..+1) = AAA |
As of November 14, 2026, the stock is trading at CAD 220.32 with a total of 284,198 shares traded. Over the past week, the price has changed by +7.56%, over one month by +15.36%, over three months by +10.97% and over the past year by +34.96%.
Current recommended Stop Loss: 213.90 (which is 2.9% or 1.3 ATR below the current price).
Canadian Tire has no consensus analysts rating.
P/E Trailing = 15.9089
P/E Forward = 13.6054
P/S = 0.6766
P/B = 1.9137
P/EG = 0.3244
Revenue TTM = 16.5b CAD
EBIT TTM = 1.68b CAD
EBITDA TTM = 2.45b CAD
Long Term Debt = 4.45b CAD (from longTermDebt, last quarter)
Short Term Debt = 1.24b CAD (from shortTermDebt, last quarter)
Debt = 7.89b CAD (from shortLongTermDebtTotal, last quarter) + Leases 2.43b
Net Debt = 7.21b CAD (calculated: Debt 7.89b - CCE 674.8m)
Enterprise Value = 18.5b CAD (11.3b + Debt 7.89b - CCE 674.8m)
Interest Coverage Ratio = 5.04 (Ebit TTM 1.68b / Interest Expense TTM 332.9m)
EV/FCF = 31.82x (Enterprise Value 18.5b / FCF TTM 582.9m)
FCF Yield = 3.14% (FCF TTM 582.9m / Enterprise Value 18.5b)
FCF Margin = 3.53% (FCF TTM 582.9m / Revenue TTM 16.5b)
Net Margin = 4.09% (Net Income TTM 676.1m / Revenue TTM 16.5b)
Gross Margin = 29.05% ((Revenue TTM 16.5b - Cost of Revenue TTM 11.7b) / Revenue TTM)
Gross Margin QoQ = 30.81% (prev 33.97%)
Tobins Q-Ratio = 0.82 (Enterprise Value 18.5b / Total Assets 22.6b)
Interest Expense / Debt = 4.22% (Interest Expense 332.9m / Debt 7.89b)
Taxrate = 24.59% (250.3m / 1.02b)
NOPAT = 1.26b (EBIT 1.68b * (1 - 24.59%))
Current Ratio = 1.88 (Total Current Assets 12.4b / Total Current Liabilities 6.59b)
Debt / Equity = 1.32 (Debt 7.89b / totalStockholderEquity, last quarter 5.98b)
Debt / EBITDA = 2.94 (Net Debt 7.21b / EBITDA 2.45b)
Debt / FCF = 12.38 (Net Debt 7.21b / FCF TTM 582.9m)
Total Stockholder Equity = 5.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.07% (Net Income 676.1m / Total Assets 22.6b)
RoE = 11.48% (Net Income TTM 676.1m / Total Stockholder Equity 5.89b)
RoCE = 16.21% (EBIT 1.68b / Capital Employed (Equity 5.89b + L.T.Debt 4.45b))
RoIC = 7.61% (NOPAT 1.26b / Invested Capital 16.6b)
WACC = 4.61% (E(11.3b)/V(19.2b) * Re(5.61%) + D(7.89b)/V(19.2b) * Rd(4.22%) * (1-Tc(0.25)))
Discount Rate = 5.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -92.98 | Cagr: -2.58%
[DCF] Terminal Value 73.10% ; FCFF base≈792.6m ; Y1≈695.0m ; Y5≈561.6m
[DCF] Fair Price = 37.42 (EV 9.01b - Net Debt 7.21b = Equity 1.80b / Shares 48.1m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 96.85 | EPS CAGR: 12.81% | SUE: 1.01 | # QB: 1
Revenue Correlation: -30.38 | Revenue CAGR: -0.85% | SUE: -0.01 | # QB: 0
EPS current Quarter (2027-03-31): EPS=2.12 | Chg30d=+1.34% | Revisions=-50% | Analysts=4
EPS current Year (2026-12-31): EPS=14.64 | Chg30d=+2.71% | Revisions=-25% | GrowthEPS=+6.3% | GrowthRev=+2.1%
EPS next Year (2027-12-31): EPS=15.57 | Chg30d=+0.09% | Revisions=-50% | GrowthEPS=+6.4% | GrowthRev=+2.5%
[Analyst] Revisions Ratio: -70% (up=0, down=7)