GREAT-WEST LIFECO INC - GWOCN 5.2 PERP (GWO-PR-G.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-G - CA39138C8824
24.18 CAD
+0.24 (+1%)
GWO-PR-G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. GWO-PR-G has a medium profitability rating, but doesn't score so well on its financial health evaluation. GWO-PR-G has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-G was profitable.
In the past year GWO-PR-G had a positive cash flow from operations.
Each year in the past 5 years GWO-PR-G has 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 66.25% of the companies in the same industry.
GWO-PR-G has a Return On Equity (11.43%) which is comparable to the rest of the industry.
GWO-PR-G's Return On Invested Capital of 0.46% is in line compared to the rest of the industry. GWO-PR-G outperforms 45.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GWO-PR-G is in line with the industry average of 2.34%.
| 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 62.50% of the companies in the same industry.
In the last couple of years the Profit Margin of GWO-PR-G has grown nicely.
GWO-PR-G has a worse Operating Margin (14.86%) than 77.50% of its industry peers.
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.
Compared to 5 years ago, GWO-PR-G has more shares outstanding
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 42.50% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that GWO-PR-G is not too dependend on debt financing.
GWO-PR-G has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: GWO-PR-G outperforms 43.75% 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
GWO-PR-G has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-G is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.21, GWO-PR-G is in the better half of the industry, outperforming 70.00% 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 has a Quick ratio of 0.21. This is in the better half of the industry: GWO-PR-G outperforms 70.00% 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.
GWO-PR-G shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.95% yearly.
Looking at the last year, GWO-PR-G shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
The Revenue has been decreasing by -6.19% on average over the past years.
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
GWO-PR-G is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.24% yearly.
The Revenue is expected to decrease by -8.34% on average over the next years.
EPS Next Y5.76%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
EPS Next 5Y3.24%
Revenue Next Year-43.12%
Revenue Next 2Y-23.56%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.34%
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.
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
A Price/Earnings ratio of 5.17 indicates a rather cheap valuation of GWO-PR-G.
GWO-PR-G's Price/Earnings is on the same level as the industry average.
GWO-PR-G is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 4.71 indicates a rather cheap valuation of GWO-PR-G.
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 22.73. GWO-PR-G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.17 | ||
| Fwd PE | 4.71 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-G indicates a slightly more expensive valuation: GWO-PR-G is more expensive than 77.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GWO-PR-G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.9
PEG (5Y)0.58
EPS Next 2Y6.51%
EPS Next 3Y6.47%
5. Dividend
5.1 Amount
GWO-PR-G has a Yearly Dividend Yield of 5.41%, which is a nice return.
Compared to an average industry Dividend Yield of 3.99, GWO-PR-G has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, GWO-PR-G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
5.2 History
The dividend of GWO-PR-G has a limited annual growth rate of 5.95%.
GWO-PR-G has been paying a dividend for at least 10 years, so it has 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
61.63% of the earnings are spent on dividend by GWO-PR-G. This is not a sustainable payout ratio.
The dividend of GWO-PR-G is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
GREAT-WEST LIFECO INC - GWOCN 5.2 PERP
TSX:GWO-PR-G (9/12/2025, 7:00:00 PM)
24.18
+0.24 (+1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners11.18%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap22.34B
Analysts70.77
Price Target24.76 (2.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
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)1.38%
PT rev (3m)5.46%
EPS NQ rev (1m)-0.41%
EPS NQ rev (3m)1.04%
EPS NY rev (1m)-2.31%
EPS NY rev (3m)-2.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-43.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.17 | ||
| Fwd PE | 4.71 | ||
| P/S | 0.65 | ||
| P/FCF | 5.22 | ||
| P/OCF | 5.22 | ||
| P/B | 0.69 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY19.35%
EPS(NY)5.14
Fwd EY21.25%
FCF(TTM)4.63
FCFY19.15%
OCF(TTM)4.63
OCFY19.15%
SpS37.46
BVpS35.3
TBVpS17.9
PEG (NY)0.9
PEG (5Y)0.58
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%
ROICexcg growth 3Y2.54%
ROICexcg 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 Y5.76%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
EPS Next 5Y3.24%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-43.12%
Revenue Next 2Y-23.56%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.34%
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%