GREAT-WEST LIFECO INC - GWOCN 5.2 PERP (GWO-PR-G.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-G - CA39138C8824
24.18 CAD
+0.17 (+0.71%)
We assign a fundamental rating of 4 out of 10 to GWO-PR-G. GWO-PR-G was compared to 80 industry peers in the Insurance industry. There are concerns on the financial health of GWO-PR-G while its profitability can be described as average. GWO-PR-G is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GWO-PR-G had positive earnings in the past year.
GWO-PR-G had a positive operating cash flow in the past year.
GWO-PR-G had positive earnings in each of the past 5 years.
GWO-PR-G had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.46%, GWO-PR-G is doing worse than 60.00% of the companies in the same industry.
GWO-PR-G's Return On Equity of 11.43% is in line compared to the rest of the industry. GWO-PR-G outperforms 50.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.46%, GWO-PR-G is in line with its industry, outperforming 50.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GWO-PR-G is in line with the industry average of 2.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.43% | ||
| ROIC | 0.46% |
ROA(3y)0.47%
ROA(5y)0.48%
ROE(3y)11.29%
ROE(5y)11.02%
ROIC(3y)0.46%
ROIC(5y)0.45%
1.3 Margins
GWO-PR-G's Profit Margin of 10.77% is fine compared to the rest of the industry. GWO-PR-G outperforms 67.50% of its industry peers.
GWO-PR-G's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 14.86%, GWO-PR-G is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of GWO-PR-G has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.86% | ||
| PM (TTM) | 10.77% | ||
| GM | N/A |
OM growth 3Y37.97%
OM growth 5Y21.31%
PM growth 3Y35.92%
PM growth 5Y18.11%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for GWO-PR-G remains at a similar level compared to 1 year ago.
GWO-PR-G has more shares outstanding than it did 5 years ago.
GWO-PR-G has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-G is 2.17, which is a good value as it means it would take GWO-PR-G, 2.17 years of fcf income to pay off all of its debts.
GWO-PR-G has a Debt to FCF ratio of 2.17. This is comparable to the rest of the industry: GWO-PR-G outperforms 46.25% of its industry peers.
GWO-PR-G has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
GWO-PR-G has a Debt to Equity ratio (0.28) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.21 indicates that GWO-PR-G may have some problems paying its short term obligations.
With a decent Current ratio value of 0.21, GWO-PR-G is doing good in the industry, outperforming 73.75% of the companies in the same industry.
A Quick Ratio of 0.21 indicates that GWO-PR-G may have some problems paying its short term obligations.
GWO-PR-G's Quick ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-G outperforms 73.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.86%, which is quite good.
The Earnings Per Share has been growing by 8.95% on average over the past years. This is quite good.
GWO-PR-G shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.22%.
GWO-PR-G shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.19% yearly.
EPS 1Y (TTM)9.86%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%11.71%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
3.2 Future
Based on estimates for the next years, GWO-PR-G will show a small growth in Earnings Per Share. The EPS will grow by 3.72% on average per year.
The Revenue is expected to decrease by -7.91% on average over the next years.
EPS Next Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 5.17, the valuation of GWO-PR-G can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-G indicates a somewhat cheap valuation: GWO-PR-G is cheaper than 63.75% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.06, GWO-PR-G is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.62, the valuation of GWO-PR-G can be described as very cheap.
GWO-PR-G's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GWO-PR-G is cheaper than 61.25% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, GWO-PR-G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.17 | ||
| Fwd PE | 4.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-G is valued a bit more expensive than the industry average as 73.75% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.77
PEG (5Y)0.58
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
GWO-PR-G has a Yearly Dividend Yield of 4.01%, which is a nice return.
Compared to an average industry Dividend Yield of 3.67, GWO-PR-G pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, GWO-PR-G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
5.2 History
The dividend of GWO-PR-G has a limited annual growth rate of 5.95%.
GWO-PR-G has paid a dividend for at least 10 years, which is a reliable track record.
GWO-PR-G has decreased its dividend recently.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
61.63% of the earnings are spent on dividend by GWO-PR-G. This is not a sustainable payout ratio.
GWO-PR-G's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 5.2 PERP
TSX:GWO-PR-G (11/7/2025, 7:00:00 PM)
24.18
+0.17 (+0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.25%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap22.34B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.5
Price Target24.81 (2.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP61.63%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.43%
Min EPS beat(2)-5.18%
Max EPS beat(2)4.32%
EPS beat(4)3
Avg EPS beat(4)1.98%
Min EPS beat(4)-5.18%
Max EPS beat(4)4.6%
EPS beat(8)7
Avg EPS beat(8)3.18%
EPS beat(12)9
Avg EPS beat(12)2.67%
EPS beat(16)12
Avg EPS beat(16)3.15%
Revenue beat(2)2
Avg Revenue beat(2)65.64%
Min Revenue beat(2)64.71%
Max Revenue beat(2)66.56%
Revenue beat(4)3
Avg Revenue beat(4)25.28%
Min Revenue beat(4)-32.89%
Max Revenue beat(4)66.56%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.63%
PT rev (3m)0.22%
EPS NQ rev (1m)1.12%
EPS NQ rev (3m)0.86%
EPS NY rev (1m)0.63%
EPS NY rev (3m)-1.44%
Revenue NQ rev (1m)-72.52%
Revenue NQ rev (3m)-72.52%
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)-88.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.17 | ||
| Fwd PE | 4.62 | ||
| P/S | 0.65 | ||
| P/FCF | 5.22 | ||
| P/OCF | 5.22 | ||
| P/B | 0.68 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY19.35%
EPS(NY)5.24
Fwd EY21.65%
FCF(TTM)4.63
FCFY19.16%
OCF(TTM)4.63
OCFY19.16%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.77
PEG (5Y)0.58
Graham Number60.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.43% | ||
| ROCE | 0.63% | ||
| ROIC | 0.46% | ||
| ROICexc | 0.46% | ||
| ROICexgc | 1.54% | ||
| OM | 14.86% | ||
| PM (TTM) | 10.77% | ||
| GM | N/A | ||
| FCFM | 12.36% |
ROA(3y)0.47%
ROA(5y)0.48%
ROE(3y)11.29%
ROE(5y)11.02%
ROIC(3y)0.46%
ROIC(5y)0.45%
ROICexc(3y)0.46%
ROICexc(5y)0.45%
ROICexgc(3y)1.35%
ROICexgc(5y)1.32%
ROCE(3y)0.64%
ROCE(5y)0.62%
ROICexgc growth 3Y2.54%
ROICexgc growth 5Y4.99%
ROICexc growth 3Y1.18%
ROICexc growth 5Y1.35%
OM growth 3Y37.97%
OM growth 5Y21.31%
PM growth 3Y35.92%
PM growth 5Y18.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.17 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 11.75 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 114.8% | ||
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 | ||
| Altman-Z | N/A |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)138.5%
Profit Quality(5y)214.73%
High Growth Momentum
Growth
EPS 1Y (TTM)9.86%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%11.71%
EPS Next Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
EBIT growth 1Y3.17%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y59.68%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y59.68%
OCF growth 3Y-22.92%
OCF growth 5Y-4.91%
GREAT-WEST LIFECO INC - GWOCN 5.2 PERP / GWO-PR-G.CA FAQ
What is the fundamental rating for GWO-PR-G stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-G.CA.
Can you provide the valuation status for GREAT-WEST LIFECO INC - GWOCN 5.2 PERP?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 5.2 PERP (GWO-PR-G.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GREAT-WEST LIFECO INC - GWOCN 5.2 PERP?
GREAT-WEST LIFECO INC - GWOCN 5.2 PERP (GWO-PR-G.CA) has a profitability rating of 4 / 10.
What is the valuation of GREAT-WEST LIFECO INC - GWOCN 5.2 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 5.2 PERP (GWO-PR-G.CA) is 5.17 and the Price/Book (PB) ratio is 0.68.
Can you provide the financial health for GWO-PR-G stock?
The financial health rating of GREAT-WEST LIFECO INC - GWOCN 5.2 PERP (GWO-PR-G.CA) is 3 / 10.