Canadian Tire Corporation Limited (CDNTF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Canadian Tire Corporation Limited $121, price $156, upside -22.5%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Canadian Tire Corporation, Limited provides a range of retail goods and services in Canada. It operates through three segments: Retail, CT REIT, and Financial Services.
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Canadian Tire Corporation, Limited provides a range of retail goods and services in Canada. It operates through three segments: Retail, CT REIT, and Financial Services. The Retail segment retails automotive maintenance products and accessories, parts, and tires, as well as automotive services comprising oil changes, tire installations, and repairs; roadside assistance; electrical, hardware, paint, plumbing, and tool products; cleaning, food and drink, home décor, home essentials, home organization, home environment, kitchen, and pet care products; camping, exercise, hockey, hunting, fishing, seasonal recreation, and team sports and golf products; and backyard living, backyard fun, cycling, gardening, outdoor tools, seasonal, and toy products. This segment offers its products under the Canadian Tire, Canadian Tire Gas+, Pro Hockey Life, Mark's, PartSource, Helly Hansen, Party City, and SportChek brand names. This segment also participates in loyalty programs, as well as sells its products through online. The CT REIT segment operates as a closed-end real estate investment trust that holds a portfolio of properties comprising Canadian Tire stores, Canadian Tire anchored retail developments, industrial properties, mixed-use commercial property, and development properties. The Financial Services segment provides consumer credit cards; in-store financing to consumers; insurance products, and retail and broker deposits; and savings accounts and guaranteed investment certificates. Canadian Tire Corporation, Limited was founded in 1922 and is headquartered in Toronto, Canada.
Stock analysis
Canadian Tire Corporation Limited (CDNTF) currently trades at $155.70, while our model-based Fair Value estimate is $120.71, 22.5% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $149.13 per share, and 7 of the 25 models we run sit above the $155.70 price.
Bear case: the Asset-Based group reads lowest at $50.53, and 18 of the 25 models stay below the price. Evidence for this calculation is high.
Scenario range: $68.27 (bear) to $156.92 (bull), the price of $155.70 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Canadian Tire Corporation Limited reported revenue of C$16.3B in FY2025 versus C$16.3B in FY2021, a compound +0.0%/yr. Reported net income was C$526M in FY2025, compounding −17.4%/yr from FY2021.
Key figures
Market cap $9.8B · P/E ratio 21.6 · P/S ratio 0.70 · EPS (TTM) $8.66 · Dividend yield 4.6% · Net margin 3.2% · Return on equity 10.8% · Return on assets (EBIT) 6.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 5% fair-value upside, at −22%, CDNTF screens richer than that median.
Fair Value models
Bear $68.27Fair Value $120.71Bull $156.92
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.14 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−0.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
Start year 2020 (pandemic). Over 10 years: +2.9% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+8.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.3%
Dividend (yield on the price)4.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−5.2% vs 1.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.9% → 9%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+24.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in CAD, Canada: IMF forecast 2.1% a year to 2030, 2.6% from 2016 to 2025) that is about +22.2% a year for the price and +0.2% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Compare Canadian Tire Corporation Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Specialty Retail · 201 stocks
Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score57 · Below median
Fair Value upside+4.7% · Below median
Profitability
Return on equity (TTM)10.8% · Above median
Return on assets4.0% · Above median
Net margin (TTM)3.6% · Above median
Operating margin (TTM)7.1% · Above median
Growth and dividend
Revenue growth3.3% · Below median
Dividend yield (TTM)4.6% · Above median
Balance sheet
Debt / equity0.62× · Highest 25%
Valuation Multiplesvs Specialty Retail median · lower = cheaper
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Is Canadian Tire Corporation Limited (CDNTF) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $120.71 versus a price of $155.70, about −22% upside (overvalued).
What is the fair value of CDNTF?
Our model-based fair value for Canadian Tire Corporation Limited is $120.71 (as of Oct 3, 2026), built from audited fundamentals. The current price: $155.70.
What is the quality score of CDNTF?
Canadian Tire Corporation Limited has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Canadian Tire Corporation Limited (CDNTF)?
Our model-based price target is the fair value of $120.71 (as of Oct 3, 2026) from 25 valuation models. Cautious scenario $68.27, optimistic scenario $156.92. It is a calculation from audited fundamentals, not an analyst target.
What is the Canadian Tire Corporation Limited stock forecast for 2026?
Our models put fair value at $120.71, about −22% upside versus a price of $155.70 (overvalued). Cautious scenario $68.27, optimistic scenario $156.92. The calculation is refreshed regularly with new filings.
What is the revenue of Canadian Tire Corporation Limited (CDNTF)?
Canadian Tire Corporation Limited reported trailing-twelve-month revenue of about C$16.4B (latest available figure, as of Oct 3, 2026).
Does Canadian Tire Corporation Limited pay a dividend?
Canadian Tire Corporation Limited currently shows a dividend yield of about 4.59% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Canadian Tire Corporation Limited (CDNTF)?
For today's price to be fair in a discounted-cash-flow model, Canadian Tire Corporation Limited would have to grow free cash flow by +24.7 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +1.9 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of CDNTF use?
Our models discount Canadian Tire Corporation Limited at 9.7 %: a base by market capitalisation (mid), damped by beta 0.98, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Canadian Tire Corporation Limited that is +24.7 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Canadian Tire Corporation Limited (CDNTF) delivered so far?
Over the past 5 years revenue at Canadian Tire Corporation Limited grew +1.9 % a year. The price currently implies +24.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Canadian Tire Corporation Limited (CDNTF) growing?
The median revenue growth in the sector is +3.8 % a year. That is the yardstick for the growth priced into Canadian Tire Corporation Limited (+24.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Canadian Tire Corporation Limited (CDNTF)?
The free-cash-flow yield on the price is 3.06 %: that much free cash flow Canadian Tire Corporation Limited produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Canadian Tire Corporation Limited (CDNTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Canadian Tire Corporation Limited it is $120.71 per share (as of Oct 3, 2026), against a price of $155.70. It is the blended result of 25 valuation models (cash flow, earnings, asset, dividend).
Is Canadian Tire Corporation Limited stock overvalued or undervalued in 2026?
As of Oct 3, 2026, CDNTF trades above its calculated fair value: price $155.70, fair value $120.71, a gap of about −22% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CDNTF?
No. The price is what the market pays today ($155.70); the fair value is what the company's own numbers justify ($120.71). For Canadian Tire Corporation Limited the two are $34.99 per share apart. That gap is exactly why we show both numbers side by side.
How much is Canadian Tire Corporation Limited worth?
The market values Canadian Tire Corporation Limited at about $9.8B (market capitalisation, as of Oct 3, 2026). Per share that is $155.70; our models calculate a fair value of $120.71 per share.
What do the bullish and bearish scenarios say about CDNTF?
Our models span a range for Canadian Tire Corporation Limited: cautious scenario $68.27, base $120.71, optimistic $156.92 per share (as of Oct 3, 2026, price $155.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CDNTF?
Canadian Tire Corporation Limited trades at a price-to-earnings ratio of 21.6 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $120.71 is built from several models across several years. Other multiples: PEG 0.5, P/B 2.4, P/S 0.9, EV/EBITDA 9.7.
What is the PEG ratio of CDNTF?
The PEG ratio of Canadian Tire Corporation Limited is 0.52 (P/E divided by earnings growth, as of Oct 3, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Canadian Tire Corporation Limited (CDNTF)?
Balance-sheet figures for Canadian Tire Corporation Limited (as of Oct 3, 2026): return on equity 10.8%, debt of 0.62 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is CDNTF from its 52-week high?
Canadian Tire Corporation Limited trades at $155.70, about 17% below its 52-week high of $187.03 and 4% above the low of $149.77 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $120.71 is for.
Which stocks are comparable to Canadian Tire Corporation Limited?
From the same area (Consumer Cyclical) we also value Alimentation Couche-Tard Inc, Williams-Sonoma, Inc, Ulta Beauty, Inc, Casey's General Stores, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Canadian Tire Corporation Limited stock attractive at the current price?
The data as of Oct 3, 2026: price $155.70, calculated fair value $120.71 (−22%), Quality Score 57/100, from 25 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CDNTF calculated?
We run Canadian Tire Corporation Limited through 25 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $120.71, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Canadian Tire Corporation Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Canadian Tire Corporation Limited (CDNTF)?
The closing price on Oct 2, 2026 was $155.70. Our model-based fair value is $120.71, about −22% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Canadian Tire Corporation Limited right now?
Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($68.27 to $156.92) leaves room in how you read the outcome.
Where does the earnings growth of Canadian Tire Corporation Limited (CDNTF) come from?
Earnings per share at Canadian Tire Corporation Limited grew +1.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.8 %, EBIT margin −0.5 %, tax rate −0.4 %, residual (interest, one-offs) −4.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Canadian Tire Corporation Limited
How large is the market capitalisation of Canadian Tire Corporation Limited (CDNTF)?
The market capitalisation of Canadian Tire Corporation Limited is $9.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Canadian Tire Corporation Limited (CDNTF)?
The price-to-sales ratio of Canadian Tire Corporation Limited is 0.70 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Canadian Tire Corporation Limited (CDNTF)?
Earnings per share at Canadian Tire Corporation Limited are $8.66 (price ÷ EPS = P/E 21.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Canadian Tire Corporation Limited (CDNTF)?
The dividend yield of Canadian Tire Corporation Limited is 4.6% (payout 82.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Canadian Tire Corporation Limited (CDNTF)?
The net margin of Canadian Tire Corporation Limited is 3.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Canadian Tire Corporation Limited (CDNTF)?
The return on equity (ROE) of Canadian Tire Corporation Limited is 10.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Canadian Tire Corporation Limited (CDNTF)?
On an EBIT basis the return on assets of Canadian Tire Corporation Limited is 6.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Canadian Tire Corporation Limited (CDNTF)?
The operating margin of Canadian Tire Corporation Limited is 7.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Canadian Tire Corporation Limited (CDNTF)?
Revenue at Canadian Tire Corporation Limited is growing +3.3% versus a year earlier (3y avg −2.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Canadian Tire Corporation Limited (CDNTF)?
Earnings per share at Canadian Tire Corporation Limited are growing +203% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Canadian Tire Corporation Limited (CDNTF) carry?
The net debt of Canadian Tire Corporation Limited is C$9.2B (fiscal year 2025, ≈ 24.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Oct 3, 2026