GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-H - CA39138C8741
22.1 CAD
-0.01 (-0.05%)
GWO-PR-H gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. Both the profitability and the financial health of GWO-PR-H get a neutral evaluation. Nothing too spectacular is happening here. GWO-PR-H has a valuation in line with the averages, but on the other hand it scores bad on growth. GWO-PR-H also has an excellent dividend rating.
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.
- In the past 5 years GWO-PR-H has always 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 of 0.47%. This is comparable to the rest of the industry: GWO-PR-H outperforms 41.25% of its industry peers.
- GWO-PR-H has a Return On Equity (12.15%) which is in line with its industry peers.
- The Return On Invested Capital of GWO-PR-H (0.46%) is comparable to the rest of the industry.
- GWO-PR-H had an Average Return On Invested Capital over the past 3 years of 0.46%. This is below the industry average of 3.04%.
- 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.
- GWO-PR-H's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 16.34%, GWO-PR-H is in line with its industry, outperforming 50.00% of the companies in the same industry.
- 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
- Compared to 1 year ago, GWO-PR-H has about the same amount of shares outstanding.
- Compared to 5 years ago, GWO-PR-H has more shares outstanding
- GWO-PR-H has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of GWO-PR-H is 1.74, which is an excellent value as it means it would take GWO-PR-H, only 1.74 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of GWO-PR-H (1.74) is comparable to the rest of the industry.
- 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
- A Current Ratio of 0.21 indicates that GWO-PR-H may have some problems paying its short term obligations.
- With a decent Current ratio value of 0.21, GWO-PR-H is doing good in the industry, outperforming 77.50% of the companies in the same industry.
- A Quick Ratio of 0.21 indicates that GWO-PR-H may have some problems paying its short term obligations.
- The Quick ratio of GWO-PR-H (0.21) is better than 77.50% 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.
- The Revenue has been decreasing by -6.19% on average over the past years.
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%66.19%
3.2 Future
- GWO-PR-H is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.72% yearly.
- GWO-PR-H is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.23% yearly.
EPS Next Y10.36%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
EPS Next 5Y3.72%
Revenue Next Year-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
Revenue Next 5Y-8.23%
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 4.54, the valuation of GWO-PR-H can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-H indicates a somewhat cheap valuation: GWO-PR-H is cheaper than 72.50% of the companies listed in the same industry.
- GWO-PR-H's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.60.
- GWO-PR-H is valuated cheaply with a Price/Forward Earnings ratio of 4.09.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of GWO-PR-H indicates a somewhat cheap valuation: GWO-PR-H is cheaper than 71.25% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.83, GWO-PR-H is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.54 | ||
| Fwd PE | 4.09 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as GWO-PR-H.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.02 | ||
| 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)0.44
PEG (5Y)0.51
EPS Next 2Y9.25%
EPS Next 3Y8.94%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.34%, GWO-PR-H is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.42, GWO-PR-H has a dividend in line with its industry peers.
- GWO-PR-H's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
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
- 58.22% of the earnings are spent on dividend by GWO-PR-H. This is a bit on the high side, but may be sustainable.
- GWO-PR-H's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
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 for GWO-PR-H stock?
ChartMill assigns a valuation rating of 6 / 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 valuation of GREAT-WEST LIFECO INC - GWOCN 4.85 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) is 4.54 and the Price/Book (PB) ratio is 0.61.
Can you provide the financial health for GWO-PR-H stock?
The financial health rating of GREAT-WEST LIFECO INC - GWOCN 4.85 PERP (GWO-PR-H.CA) is 4 / 10.