GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-H - CA39138C8741
22.63 CAD
+0.08 (+0.35%)
We assign a fundamental rating of 4 out of 10 to GWO-PR-H. GWO-PR-H was compared to 80 industry peers in the Insurance industry. While GWO-PR-H is still in line with the averages on profitability rating, there are concerns on its financial health. GWO-PR-H has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
GWO-PR-H had positive earnings in the past year.
In the past year GWO-PR-H had a positive cash flow from operations.
GWO-PR-H had positive earnings in each of the past 5 years.
In the past 5 years GWO-PR-H always reported a positive cash flow from operatings.
1.2 Ratios
GWO-PR-H has a Return On Assets (0.46%) which is comparable to the rest of the industry.
The Return On Equity of GWO-PR-H (11.43%) is comparable to the rest of the industry.
With a Return On Invested Capital value of 0.46%, GWO-PR-H perfoms like the industry average, outperforming 51.25% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-H 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
GWO-PR-H has a Profit Margin of 10.77%. This is in the better half of the industry: GWO-PR-H outperforms 70.00% of its industry peers.
GWO-PR-H's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 14.86%, GWO-PR-H is not doing good in the industry: 71.25% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of GWO-PR-H 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-H remains at a similar level compared to 1 year ago.
Compared to 5 years ago, GWO-PR-H has more shares outstanding
Compared to 1 year ago, GWO-PR-H has an improved debt to assets ratio.
2.2 Solvency
GWO-PR-H has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as GWO-PR-H would need 2.17 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.17, GWO-PR-H perfoms like the industry average, outperforming 47.50% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that GWO-PR-H is not too dependend on debt financing.
GWO-PR-H has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: GWO-PR-H outperforms 48.75% 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
A Current Ratio of 0.21 indicates that GWO-PR-H may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.21, GWO-PR-H is in the better half of the industry, outperforming 76.25% of the companies in the same industry.
GWO-PR-H has a Quick Ratio of 0.21. This is a bad value and indicates that GWO-PR-H is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO-PR-H's Quick ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-H outperforms 76.25% 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-H 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-H shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
GWO-PR-H 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
The Earnings Per Share is expected to grow by 3.58% on average over the next years.
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
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
GWO-PR-H is valuated cheaply with a Price/Earnings ratio of 4.84.
Based on the Price/Earnings ratio, GWO-PR-H is valued a bit cheaper than 68.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, GWO-PR-H is valued rather cheaply.
The Price/Forward Earnings ratio is 4.39, which indicates a rather cheap valuation of GWO-PR-H.
66.25% of the companies in the same industry are more expensive than GWO-PR-H, based on the Price/Forward Earnings ratio.
GWO-PR-H is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.84 | ||
| Fwd PE | 4.39 |
4.2 Price Multiples
GWO-PR-H's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GWO-PR-H is more expensive than 71.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.88 | ||
| 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)0.8
PEG (5Y)0.54
EPS Next 2Y6.62%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.46%, GWO-PR-H has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.56, GWO-PR-H is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.31, GWO-PR-H has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
5.2 History
The dividend of GWO-PR-H has a limited annual growth rate of 5.95%.
GWO-PR-H has paid a dividend for at least 10 years, which is a reliable track record.
GWO-PR-H has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years19
5.3 Sustainability
61.63% of the earnings are spent on dividend by GWO-PR-H. This is not a sustainable payout ratio.
The dividend of GWO-PR-H is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
GREAT-WEST LIFECO INC - GWOCN 4.85 PERP
TSX:GWO-PR-H (10/28/2025, 7:00:00 PM)
22.63
+0.08 (+0.35%)
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 Cap20.91B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.86
Price Target22.9 (1.19%)
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 Years19
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)-1.56%
PT rev (3m)-2.52%
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 | 4.84 | ||
| Fwd PE | 4.39 | ||
| P/S | 0.6 | ||
| P/FCF | 4.88 | ||
| P/OCF | 4.88 | ||
| P/B | 0.64 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY20.68%
EPS(NY)5.15
Fwd EY22.75%
FCF(TTM)4.63
FCFY20.47%
OCF(TTM)4.63
OCFY20.47%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.8
PEG (5Y)0.54
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 4.85 PERP / GWO-PR-H.CA FAQ
What is the ChartMill fundamental rating of GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-H.CA.
What is the valuation status of GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) stock?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA). This can be considered as Fairly Valued.
What is the profitability of GWO-PR-H stock?
GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) has a profitability rating of 5 / 10.
What is the expected EPS growth for GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) stock?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) is expected to grow by 6.05% in the next year.
How sustainable is the dividend of GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) stock?
The dividend rating of GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) is 4 / 10 and the dividend payout ratio is 61.63%.