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Canadian Tire Corporation, Limited

CTC-A.TO
51
Specialty Retail · Consumer Cyclical
Exchange
Toronto Stock Exchange
Winston Score
51
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jul 4, 2026
How the score breaks down
Quality
Good
Growth
Weak
Cash Flow
Strong
Stability
Strong
Valuation
Good
Dividends
Mixed

Winston Score History

The full picture

Canadian Tire Corporation runs a network of retail stores across Canada selling automotive parts, hardware, sports equipment, and everyday household goods. Its most recognized brand is Canadian Tire, but the company also owns Sport Chek, Mark's, and Party City Canada, serving everyday Canadian shoppers. It is one of Canada's largest retail chains and operates a financial services division under the Canadian Tire Bank brand.

The company makes money through product sales in its stores, franchise fees from independently operated Canadian Tire dealers, and interest income from its co-branded credit card program. It operates almost entirely within Canada, with over 1,700 retail locations across its banner brands. Its loyalty program, Triangle Rewards, and its deep network of franchise dealers give it a strong hold on Canadian consumers, but the business faces real risk from economic slowdowns that reduce discretionary spending and from growing competition by large online retailers like Amazon.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.4% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+78.0% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

9.1%ownership

Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

C$1.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Canadian Tire Corporation, Limited is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
30.8%
Modest — 30.8% gross margin
Profit after running costs
Operating Margin
13.1%
Healthy — 13.1% operating margin
Return on the money invested
ROCE
18.0%
Strong — 18.0% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth
Sales YoY
+1.1%
Nearly flat sales (+1.1% YoY)
Profit growth
EPS YoY
-6.8%
Earnings shrinking (-6.8% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash
Cash Conversion
177%
Turns 177% of profit into real cash
Spare cash per sale
FCF Margin
3.6%
Thin free cash flow (3.6%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns
Debt / Equity
0.51
Conservative — low debt load (0.51)
Covers its interest
Interest Cover
6.56x
Adequate interest coverage (6.6x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
15.7x
no trend
Fair value — P/E 15.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+1.5
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
3.61%
no trend
Moderate income — 3.61% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+1.4%
no trend
Dividend flat

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