GREAT-WEST LIFECO INC - GWOCN 5.2 PERP (GWO-PR-G.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-G - CA39138C8824
24.11 CAD
-0.11 (-0.45%)
Overall GWO-PR-G gets a fundamental rating of 4 out of 10. We evaluated GWO-PR-G against 80 industry peers in the Insurance industry. While GWO-PR-G is still in line with the averages on profitability rating, there are concerns on its financial health. GWO-PR-G has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-G was profitable.
GWO-PR-G had a positive operating cash flow in the past year.
In the past 5 years GWO-PR-G has always been profitable.
Each year in the past 5 years GWO-PR-G had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.46%, GWO-PR-G is doing worse than 62.50% of the companies in the same industry.
GWO-PR-G has a Return On Equity of 11.43%. This is comparable to the rest of the industry: GWO-PR-G outperforms 48.75% of its industry peers.
GWO-PR-G has a Return On Invested Capital of 0.46%. This is comparable to the rest of the industry: GWO-PR-G outperforms 47.50% of its industry peers.
GWO-PR-G had an Average Return On Invested Capital over the past 3 years of 0.46%. This is in line with the industry average of 2.29%.
| 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
With a decent Profit Margin value of 10.77%, GWO-PR-G is doing good in the industry, outperforming 66.25% of the companies in the same industry.
In the last couple of years the Profit Margin of GWO-PR-G has grown nicely.
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
Compared to 1 year ago, GWO-PR-G has about the same amount of shares outstanding.
The number of shares outstanding for GWO-PR-G has been increased compared to 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 43.75% 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's Debt to Equity ratio of 0.28 is in line compared to the rest of the industry. GWO-PR-G outperforms 45.00% of its industry peers.
| 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.
The Current ratio of GWO-PR-G (0.21) is better than 72.50% of its industry peers.
A Quick Ratio of 0.21 indicates that GWO-PR-G may have some problems paying its short term obligations.
GWO-PR-G has a better Quick ratio (0.21) than 72.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.86% over the past year.
The Earnings Per Share has been growing by 8.95% on average over the past years. This is quite good.
The Revenue has grown by 8.22% in the past year. This is quite good.
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 3.58% on average per year.
The Revenue is expected to decrease by -8.04% on average over the next years.
EPS Next Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.04%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
GWO-PR-G is valuated cheaply with a Price/Earnings ratio of 5.15.
Based on the Price/Earnings ratio, GWO-PR-G is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of GWO-PR-G to the average of the S&P500 Index (26.19), we can say GWO-PR-G is valued rather cheaply.
GWO-PR-G is valuated cheaply with a Price/Forward Earnings ratio of 4.68.
GWO-PR-G's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.50. GWO-PR-G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.15 | ||
| Fwd PE | 4.68 |
4.2 Price Multiples
75.00% of the companies in the same industry are cheaper than GWO-PR-G, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.2 | ||
| 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)0.85
PEG (5Y)0.58
EPS Next 2Y6.62%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.46%, GWO-PR-G has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.56, GWO-PR-G is paying slightly less dividend.
GWO-PR-G's Dividend Yield is comparable with the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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.
The dividend of GWO-PR-G decreased recently.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
GWO-PR-G pays out 61.63% of its income as dividend. 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 2Y6.62%
EPS Next 3Y6.95%
GREAT-WEST LIFECO INC - GWOCN 5.2 PERP
TSX:GWO-PR-G (10/30/2025, 7:00:00 PM)
24.11
-0.11 (-0.45%)
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 Cap22.28B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.86
Price Target24.65 (2.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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)-0.42%
PT rev (3m)0.96%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)-0.09%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-94.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.15 | ||
| Fwd PE | 4.68 | ||
| P/S | 0.64 | ||
| P/FCF | 5.2 | ||
| P/OCF | 5.2 | ||
| P/B | 0.68 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY19.41%
EPS(NY)5.15
Fwd EY21.36%
FCF(TTM)4.63
FCFY19.22%
OCF(TTM)4.63
OCFY19.22%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.85
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 Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.04%
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 5.15 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.