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  5. FSZ: Would like your opinion on the new debenture issue -is this a reasonable risk for fixed income (5% max) or is the rate a red flag? [Fiera Capital Corporation Class A Subordinate Voting Shares]
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Q: Would like your opinion on the new debenture issue -is this a reasonable risk
for fixed income (5% max) or is the rate a red flag? How is the debt /cash flow ?
Asked by Scott on May 15, 2025
5i Research Answer:

The rate is high (7.75%) but note lower than the debentures it is going to redeem (8.25%) so there is a small positive benefit here on rates. BUT...it is a small company, with a business that remains challenged and in decline. It cut its dividend 50%, but could still eliminate it to protect these debentures, if needed. But also not the company can redeem these in shares, if needed, as well. Debt/cash flow is about 10X. We would call these 'higher risk' as opposed to 'reasonable risk'.