Chartwell Retirement Residences (CSH.UN) AI Stock Analysis

• Market Cap: C$6.30B
• Dividend Yield: 3.1%
• Average Volume (3M): 417.05K
• Price to Earnings (P/E): 103.6
• Beta (1Y): 0.56
• Revenue Growth: 28.05%
• EPS Growth: 662.10%
• Country: CA
• Employees: 13,070
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Healthcare Facilities
• EPS (TTM): -0.02
• Shares Outstanding: 303,720,670
• 10 Day Avg. Volume: 334,138
• 30 Day Avg. Volume: 417,052
• PEG Ratio: -2.08
• Price to Book (P/B): 3.66
• Price to Sales (P/S): 4.55
• P/FCF Ratio: 41.92
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$21.00
• Price Target Upside: 6.38% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: C$22.00 ▲(11.45% Upside)

Chartwell Retirement Residences demonstrates strong operational performance and strategic growth initiatives, as highlighted in the earnings call, which positively impacts the overall score. The technical analysis supports a bullish trend, although the high P/E ratio suggests potential overvaluation. Financial performance shows growth and profitability improvements, but high leverage and cash flow issues require careful monitoring.

Positive Factors

Revenue Growth

Consistent growth in NOI and FFO indicates strong operational performance and effective management, enhancing long-term financial stability.

Occupancy Rates

High occupancy rates reflect strong demand and effective leasing strategies, supporting steady revenue streams and market position.

Strategic Acquisitions

Significant acquisitions expand market presence and diversify revenue sources, strengthening long-term growth prospects.

Negative Factors

High Leverage

High leverage can increase financial risk and limit flexibility, potentially impacting the company's ability to invest in growth opportunities.

Decline in Free Cash Flow

A substantial decline in free cash flow raises concerns about cash generation, which is critical for funding operations and growth initiatives.

Net Income Decline

A decline in net income indicates potential profitability challenges, which could affect the company's ability to sustain growth and shareholder returns.

Chartwell Retirement Residences Business Overview & Revenue Model

Company Description

Chartwell is an unincorporated, open-ended real estate trust which indirectly owns and operates a complete range of seniors housing communities, from independent supportive living through assisted living to long term care. It is the largest operator in the Canadian seniors living sector with over 200 quality retirement communities in four provinces including properties under development. Chartwell is committed to its vision of Making People's Lives BETTER and to providing a happier, healthier and more fulfilling life experience for its residents.

How the Company Makes Money

Chartwell Retirement Residences generates revenue primarily through rental income from its retirement living and long-term care facilities. The company charges monthly fees for accommodation and care services provided to residents, which can include meals, housekeeping, and personal care assistance. Additionally, Chartwell may earn revenue through ancillary services, such as pharmacy services, wellness programs, and other health-related offerings. The company benefits from long-term leases and partnerships with healthcare providers, ensuring a steady influx of residents and minimizing vacancy rates. Economic factors, demographic trends, and government funding policies for senior care also play significant roles in influencing its earnings.

Chartwell Retirement Residences Financial Statement Overview

Summary

Chartwell Retirement Residences shows strong revenue growth and improved profitability metrics, which are positive indicators for the income statement. However, the balance sheet reveals high leverage, which could pose financial risks. The cash flow statement highlights significant challenges in free cash flow generation, which could impact future financial flexibility. Overall, while the company shows growth and profitability improvements, the high leverage and cash flow issues warrant careful monitoring.

Income Statement

Chartwell Retirement Residences shows a positive revenue growth rate of 7.67% TTM, indicating strong top-line growth. The gross profit margin is healthy at 35.76%, though it has slightly decreased from the previous year. The net profit margin has improved to 6.36% TTM, reflecting better profitability. EBIT and EBITDA margins are robust at 24.42% and 38.72% respectively, showcasing operational efficiency. However, the decline in gross profit margin and the historical volatility in revenue growth are areas to monitor.

Balance Sheet

The company has a high debt-to-equity ratio of 2.39 TTM, indicating significant leverage, which is common in the REIT industry but poses financial risk. Return on equity has improved to 5.25% TTM, suggesting better utilization of equity. The equity ratio stands at 28.42%, showing a moderate level of equity financing. While the improvement in ROE is positive, the high leverage remains a concern.

Cash Flow

Free cash flow has significantly declined by 1459.72% TTM, raising concerns about cash generation. The operating cash flow to net income ratio is 0.30, indicating moderate cash conversion efficiency. The negative free cash flow to net income ratio suggests challenges in generating free cash flow relative to net income. The cash flow situation requires attention due to the substantial decline in free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	986.13M	861.61M	736.74M	704.68M	669.36M	924.77M
Gross Profit	409.30M	352.43M	273.38M	239.98M	245.47M	302.27M
EBITDA	339.03M	289.98M	198.47M	193.59M	189.99M	256.25M
Net Income	54.59M	22.41M	128.27M	49.53M	10.13M	14.88M
Balance Sheet
Total Assets	4.47B	4.09B	3.23B	3.51B	3.42B	3.49B
Cash, Cash Equivalents and Short-Term Investments	28.22M	20.05M	24.62M	28.47M	95.49M	70.16M
Total Debt	2.86B	2.60B	2.03B	2.34B	2.35B	2.52B
Total Liabilities	3.20B	3.01B	2.44B	2.74B	2.59B	2.76B
Stockholders Equity	1.27B	1.07B	791.46M	769.80M	826.11M	733.98M
Cash Flow
Free Cash Flow	141.36M	93.58M	28.18M	26.35M	40.98M	52.23M
Operating Cash Flow	277.11M	200.85M	157.43M	137.71M	156.32M	184.62M
Investing Cash Flow	-768.21M	-652.99M	78.94M	-165.61M	-36.49M	-62.19M
Financing Cash Flow	501.15M	447.57M	-240.21M	-39.11M	-94.51M	-75.16M

Chartwell Retirement Residences Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 19.74
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:CSH.UN, the sentiment is Negative. The current price of 19.74 is below the 20-day moving average (MA) of 20.33, below the 50-day MA of 19.75, and above the 200-day MA of 17.76, indicating a neutral trend. The MACD of 0.17 indicates Positive momentum. The RSI at 42.08 is Neutral, neither overbought nor oversold. The STOCH value of 27.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:CSH.UN.

Chartwell Retirement Residences Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BEI.UN	74 Outperform	C$3.38B	10.08	6.23%	2.45%	6.52%	-54.45%
KMP.UN	72 Outperform	C$2.07B	3.69	18.10%	4.31%	6.19%	79.98%
PLZ.UN	72 Outperform	C$447.26M	12.85	6.45%	6.98%	5.14%	209.83%
CSH.UN	66 Neutral	C$6.30B	103.58	1.99%	3.10%	28.05%	662.10%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
CAR.UN	61 Neutral	C$5.93B	74.79	0.65%	4.06%	-6.51%	-81.28%
IIP.UN	58 Neutral	C$1.87B	-10.78	-7.49%	2.97%	1.56%	-9446.15%

Chartwell Retirement Residences Corporate Events

Chartwell Retirement Residences Reports Q3 2025 Results and Strategic Growth Plans

Chartwell Retirement Residences reported a significant increase in resident revenue by 32.3% for the third quarter of 2025, despite a net loss of $5.2 million compared to a net income in the previous year. The company achieved its ninth consecutive quarter of double-digit growth in same property adjusted NOI and FFO per unit, driven by operational efficiencies and strategic acquisitions. Chartwell plans to continue enhancing its portfolio through strategic acquisitions and development partnerships, expecting continued growth in occupancy and cash flows due to robust demand and limited new supply in its markets.

The most recent analyst rating on ($TSE:CSH.UN) stock is a Hold with a C$22.50 price target. To see the full list of analyst forecasts on Chartwell Retirement Residences stock, see the TSE:CSH.UN Stock Forecast page.

Chartwell Expands Portfolio with Strategic Acquisitions and Developments

Chartwell Retirement Residences announced strategic growth and financing initiatives, including the acquisition of several properties in Quebec and the development of a new retirement residence in Calgary. These initiatives are part of Chartwell’s strategy to expand its portfolio with modern, efficient properties in urban markets, supported by a $250 million equity raise and $87 million in new financings. The company’s investment grade rating was affirmed with a positive outlook, reflecting confidence in its growth trajectory.

The most recent analyst rating on ($TSE:CSH.UN) stock is a Hold with a C$20.00 price target. To see the full list of analyst forecasts on Chartwell Retirement Residences stock, see the TSE:CSH.UN Stock Forecast page.

Chartwell Announces Cash Distribution and Occupancy Update

Chartwell Retirement Residences announced a cash distribution of $0.051 per Trust Unit, payable on November 17, 2025, with an option for unitholders to participate in a Distribution Reinvestment Plan (DRIP) to increase their holdings without additional fees. The company also provided an update on its same property occupancy rates, reflecting its ongoing efforts to maintain and improve occupancy levels, which are crucial for its operational stability and growth in the competitive seniors housing market.

The most recent analyst rating on ($TSE:CSH.UN) stock is a Hold with a C$20.00 price target. To see the full list of analyst forecasts on Chartwell Retirement Residences stock, see the TSE:CSH.UN Stock Forecast page.

Chartwell Retirement Residences Announces Q3 2025 Results and Investor Day

Chartwell Retirement Residences has announced its schedule for the release of its third-quarter 2025 financial results and an upcoming Investor Day. The financial results will be disclosed on November 6, 2025, followed by a conference call and webcast on November 7, 2025. Additionally, the Investor Day on November 13, 2025, will feature presentations on Chartwell’s strategic plans and initiatives, including growth and technology deployment, which could impact its market positioning and operational strategies.

The most recent analyst rating on ($TSE:CSH.UN) stock is a Hold with a C$20.00 price target. To see the full list of analyst forecasts on Chartwell Retirement Residences stock, see the TSE:CSH.UN Stock Forecast page.

Chartwell Announces September Distribution and Positive Occupancy Outlook

Chartwell Retirement Residences announced a cash distribution of $0.051 per Trust Unit for September 2025, payable on October 15, 2025, with an option for unitholders to participate in a Distribution Reinvestment Plan (DRIP) to increase their ownership. The company also provided an occupancy update, indicating optimism for continued growth in occupancy rates driven by strong demand due to demographic trends and a shortage of long-term care beds, which could positively impact Chartwell’s market positioning.

The most recent analyst rating on ($TSE:CSH.UN) stock is a Hold with a C$20.00 price target. To see the full list of analyst forecasts on Chartwell Retirement Residences stock, see the TSE:CSH.UN Stock Forecast page.

Chartwell Announces Cash Distribution and Reinvestment Plan

Chartwell Retirement Residences has announced a cash distribution of $0.051 per Trust Unit, payable on September 15, 2025, to unitholders of record as of August 29, 2025. The company also offers a Distribution Reinvestment Plan (DRIP) that allows unitholders to reinvest their distributions into additional Trust Units, with a 3% bonus, enabling them to increase their ownership without incurring additional fees.

The most recent analyst rating on ($TSE:CSH.UN) stock is a Buy with a C$21.00 price target. To see the full list of analyst forecasts on Chartwell Retirement Residences stock, see the TSE:CSH.UN Stock Forecast page.

Chartwell Retirement’s Earnings Call Highlights Growth and Challenges

Chartwell Retirement Residences’ recent earnings call painted a largely positive picture, highlighting consistent growth in key financial metrics, strategic acquisitions, and improved operational efficiencies. Despite these positive developments, the company faces challenges with increased net loss and specific properties struggling with occupancy.