GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-H - CA39138C8741
22.08 CAD
+0.03 (+0.14%)
Overall GWO-PR-H gets a fundamental rating of 5 out of 10. We evaluated GWO-PR-H against 80 industry peers in the Insurance industry. GWO-PR-H has only an average score on both its financial health and profitability. 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.
GWO-PR-H had a positive operating cash flow in the past year.
Each year in the past 5 years GWO-PR-H has been profitable.
Each year in the past 5 years GWO-PR-H had a positive operating cash flow.
1.2 Ratios
GWO-PR-H has a Return On Assets (0.47%) which is comparable to the rest of the industry.
GWO-PR-H's Return On Equity of 12.15% is fine compared to the rest of the industry. GWO-PR-H outperforms 61.25% of its industry peers.
GWO-PR-H has a Return On Invested Capital of 0.46%. This is comparable to the rest of the industry: GWO-PR-H outperforms 51.25% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GWO-PR-H is below the industry average of 2.46%.
The 3 year average ROIC (0.46%) for GWO-PR-H is below the current ROIC(0.46%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 12.15% | ||
| 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 12.02%. This is in the better half of the industry: GWO-PR-H outperforms 75.00% of its industry peers.
In the last couple of years the Profit Margin of GWO-PR-H has grown nicely.
GWO-PR-H has a Operating Margin (16.34%) which is in line with its industry peers.
In the last couple of years the Operating Margin of GWO-PR-H has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.34% | ||
| PM (TTM) | 12.02% | ||
| 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 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.
GWO-PR-H's Debt to FCF ratio of 1.74 is in line compared to the rest of the industry. GWO-PR-H outperforms 60.00% of its industry peers.
GWO-PR-H has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
GWO-PR-H has a Debt to Equity ratio of 0.26. This is in the better half of the industry: GWO-PR-H outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GWO-PR-H has a Current 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.
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 has a better Quick ratio (0.21) than 76.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-H shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.19%, which is quite good.
The Earnings Per Share has been growing by 8.95% on average over the past years. This is quite good.
The Revenue has decreased by -7.48% in the past 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)11.19%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%16.67%
Revenue 1Y (TTM)-7.48%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%171.93%
3.2 Future
The Earnings Per Share is expected to grow by 3.72% on average over the next years.
GWO-PR-H is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.91% yearly.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 4.53, the valuation of GWO-PR-H can be described as very cheap.
GWO-PR-H's Price/Earnings ratio is a bit cheaper when compared to the industry. GWO-PR-H is cheaper than 67.50% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.47, GWO-PR-H is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.22, the valuation of GWO-PR-H can be described as very cheap.
Based on the Price/Forward Earnings ratio, GWO-PR-H is valued a bit cheaper than 68.75% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GWO-PR-H to the average of the S&P500 Index (34.42), we can say GWO-PR-H is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.53 | ||
| Fwd PE | 4.22 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-H is valued a bit more expensive than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.06 | ||
| 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.
GWO-PR-H has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.68
PEG (5Y)0.51
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
GWO-PR-H has a Yearly Dividend Yield of 2.43%.
GWO-PR-H's Dividend Yield is slightly below the industry average, which is at 4.36.
GWO-PR-H's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years19
5.3 Sustainability
GWO-PR-H pays out 58.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of GWO-PR-H is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 4.85 PERP
TSX:GWO-PR-H (11/21/2025, 7:00:00 PM)
22.08
+0.03 (+0.14%)
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 Cap20.40B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target23.53 (6.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.62%
Min EPS beat(2)4.32%
Max EPS beat(2)8.92%
EPS beat(4)3
Avg EPS beat(4)3.17%
Min EPS beat(4)-5.18%
Max EPS beat(4)8.92%
EPS beat(8)7
Avg EPS beat(8)3.85%
EPS beat(12)10
Avg EPS beat(12)4.07%
EPS beat(16)12
Avg EPS beat(16)2.78%
Revenue beat(2)2
Avg Revenue beat(2)300.61%
Min Revenue beat(2)64.71%
Max Revenue beat(2)536.51%
Revenue beat(4)4
Avg Revenue beat(4)167.64%
Min Revenue beat(4)2.76%
Max Revenue beat(4)536.51%
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)2.76%
PT rev (3m)1.63%
EPS NQ rev (1m)4.56%
EPS NQ rev (3m)4.74%
EPS NY rev (1m)0.63%
EPS NY rev (3m)0.89%
Revenue NQ rev (1m)-72.36%
Revenue NQ rev (3m)-72.36%
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)-88.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.53 | ||
| Fwd PE | 4.22 | ||
| P/S | 0.61 | ||
| P/FCF | 4.06 | ||
| P/OCF | 4.06 | ||
| P/B | 0.62 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY22.06%
EPS(NY)5.24
Fwd EY23.71%
FCF(TTM)5.44
FCFY24.62%
OCF(TTM)5.44
OCFY24.62%
SpS36.27
BVpS35.88
TBVpS18.27
PEG (NY)0.68
PEG (5Y)0.51
Graham Number62.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 12.15% | ||
| ROCE | 0.64% | ||
| ROIC | 0.46% | ||
| ROICexc | 0.47% | ||
| ROICexgc | 1.6% | ||
| OM | 16.34% | ||
| PM (TTM) | 12.02% | ||
| GM | N/A | ||
| FCFM | 14.99% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 13.29 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 124.7% | ||
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 | ||
| Altman-Z | N/A |
F-Score7
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)11.19%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%16.67%
EPS Next Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue 1Y (TTM)-7.48%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%171.93%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
EBIT growth 1Y12.58%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y222.4%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y222.4%
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 6.71% 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 5 / 10 and the dividend payout ratio is 58.22%.