GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) Stock Fundamental Analysis

TSX:GWO-PR-I • CA39138C8667

21.15 CAD
-0.01 (-0.05%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, GWO-PR-I scores 5 out of 10 in our fundamental rating. GWO-PR-I was compared to 79 industry peers in the Insurance industry. GWO-PR-I has an average financial health and profitability rating. GWO-PR-I has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally GWO-PR-I also has an excellent dividend rating. These ratings could make GWO-PR-I a good candidate for dividend investing.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • GWO-PR-I had positive earnings in the past year.
  • GWO-PR-I had a positive operating cash flow in the past year.
  • Each year in the past 5 years GWO-PR-I has been profitable.
  • GWO-PR-I had a positive operating cash flow in each of the past 5 years.
GWO-PR-I.CA Yearly Net Income VS EBIT VS OCF VS FCFGWO-PR-I.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.47%, GWO-PR-I is in line with its industry, outperforming 45.57% of the companies in the same industry.
  • GWO-PR-I's Return On Equity of 12.15% is in line compared to the rest of the industry. GWO-PR-I outperforms 59.49% of its industry peers.
  • With a Return On Invested Capital value of 0.46%, GWO-PR-I perfoms like the industry average, outperforming 49.37% of the companies in the same industry.
  • GWO-PR-I had an Average Return On Invested Capital over the past 3 years of 0.46%. This is below the industry average of 3.06%.
  • The last Return On Invested Capital (0.46%) for GWO-PR-I is above the 3 year average (0.46%), which is a sign of increasing profitability.
Industry RankSector 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%
GWO-PR-I.CA Yearly ROA, ROE, ROICGWO-PR-I.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • GWO-PR-I has a Profit Margin of 12.02%. This is in the better half of the industry: GWO-PR-I outperforms 78.48% of its industry peers.
  • GWO-PR-I's Profit Margin has improved in the last couple of years.
  • GWO-PR-I has a Operating Margin of 16.34%. This is comparable to the rest of the industry: GWO-PR-I outperforms 51.90% of its industry peers.
  • GWO-PR-I's Operating Margin has improved in the last couple of years.
Industry RankSector 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
GWO-PR-I.CA Yearly Profit, Operating, Gross MarginsGWO-PR-I.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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5

2. Health

2.1 Basic Checks

  • GWO-PR-I has about the same amout of shares outstanding than it did 1 year ago.
  • GWO-PR-I has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GWO-PR-I has an improved debt to assets ratio.
GWO-PR-I.CA Yearly Shares OutstandingGWO-PR-I.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
GWO-PR-I.CA Yearly Total Debt VS Total AssetsGWO-PR-I.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • GWO-PR-I 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.
  • The Debt to FCF ratio of GWO-PR-I (1.74) is better than 62.03% of its industry peers.
  • GWO-PR-I has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • GWO-PR-I has a better Debt to Equity ratio (0.26) than 77.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.74
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GWO-PR-I.CA Yearly LT Debt VS Equity VS FCFGWO-PR-I.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

  • GWO-PR-I has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-I is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GWO-PR-I has a Current ratio of 0.21. This is amongst the best in the industry. GWO-PR-I outperforms 81.01% of its industry peers.
  • GWO-PR-I has a Quick Ratio of 0.21. This is a bad value and indicates that GWO-PR-I is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With an excellent Quick ratio value of 0.21, GWO-PR-I belongs to the best of the industry, outperforming 81.01% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.21
Quick Ratio 0.21
GWO-PR-I.CA Yearly Current Assets VS Current LiabilitesGWO-PR-I.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.19% over the past year.
  • Measured over the past years, GWO-PR-I shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.95% on average per year.
  • GWO-PR-I shows a decrease in Revenue. In the last year, the revenue decreased by -7.48%.
  • GWO-PR-I 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%66.19%

3.2 Future

  • GWO-PR-I is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.72% yearly.
  • The Revenue is expected to decrease by -8.01% on average over the next years.
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-8.01%

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.
GWO-PR-I.CA Yearly Revenue VS EstimatesGWO-PR-I.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
GWO-PR-I.CA Yearly EPS VS EstimatesGWO-PR-I.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.34, which indicates a rather cheap valuation of GWO-PR-I.
  • Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-I indicates a somewhat cheap valuation: GWO-PR-I is cheaper than 75.95% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, GWO-PR-I is valued rather cheaply.
  • GWO-PR-I is valuated cheaply with a Price/Forward Earnings ratio of 3.91.
  • GWO-PR-I's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GWO-PR-I is cheaper than 75.95% of the companies in the same industry.
  • GWO-PR-I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.02.
Industry RankSector Rank
PE 4.34
Fwd PE 3.91
GWO-PR-I.CA Price Earnings VS Forward Price EarningsGWO-PR-I.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • GWO-PR-I's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 3.81
EV/EBITDA N/A
GWO-PR-I.CA Per share dataGWO-PR-I.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.42
PEG (5Y)0.49
EPS Next 2Y9.25%
EPS Next 3Y8.94%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • GWO-PR-I has a Yearly Dividend Yield of 4.39%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.24, GWO-PR-I pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, GWO-PR-I pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.39%

5.2 History

  • The dividend of GWO-PR-I has a limited annual growth rate of 5.95%.
  • GWO-PR-I has paid a dividend for at least 10 years, which is a reliable track record.
  • GWO-PR-I 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 Years18
GWO-PR-I.CA Yearly Dividends per shareGWO-PR-I.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 58.22% of the earnings are spent on dividend by GWO-PR-I. This is a bit on the high side, but may be sustainable.
  • The dividend of GWO-PR-I is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
GWO-PR-I.CA Yearly Income VS Free CF VS DividendGWO-PR-I.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
GWO-PR-I.CA Dividend Payout.GWO-PR-I.CA Dividend Payout, showing the Payout Ratio.GWO-PR-I.CA Dividend Payout.PayoutRetained Earnings

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GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP

TSX:GWO-PR-I (2/20/2026, 7:00:00 PM)

21.15

-0.01 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners9.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap19.12B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target23.16 (9.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.39%
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years18
Ex-DateN/A
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)176.86%
Min Revenue beat(2)64.71%
Max Revenue beat(2)289.01%
Revenue beat(4)4
Avg Revenue beat(4)105.76%
Min Revenue beat(4)2.76%
Max Revenue beat(4)289.01%
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)10.16%
PT rev (3m)5.1%
EPS NQ rev (1m)0.61%
EPS NQ rev (3m)4.73%
EPS NY rev (1m)0%
EPS NY rev (3m)3.42%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)276.43%
Valuation
Industry RankSector Rank
PE 4.34
Fwd PE 3.91
P/S 0.57
P/FCF 3.81
P/OCF 3.81
P/B 0.58
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)4.87
EY23.03%
EPS(NY)5.41
Fwd EY25.56%
FCF(TTM)5.56
FCFY26.27%
OCF(TTM)5.56
OCFY26.27%
SpS37.08
BVpS36.67
TBVpS18.68
PEG (NY)0.42
PEG (5Y)0.49
Graham Number63.39
Profitability
Industry RankSector 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 RankSector 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 Y10.36%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
EPS Next 5Y3.72%
Revenue 1Y (TTM)-7.48%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%66.19%
Revenue Next Year-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
Revenue Next 5Y-8.01%
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 1/2 PERP / GWO-PR-I.CA FAQ

Can you provide the ChartMill fundamental rating for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP?

ChartMill assigns a fundamental rating of 5 / 10 to GWO-PR-I.CA.


Can you provide the valuation status for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP?

ChartMill assigns a valuation rating of 6 / 10 to GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA). This can be considered as Fairly Valued.


How profitable is GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) stock?

GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) has a profitability rating of 5 / 10.


What are the PE and PB ratios of GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) stock?

The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) is 4.34 and the Price/Book (PB) ratio is 0.58.


Can you provide the dividend sustainability for GWO-PR-I stock?

The dividend rating of GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) is 7 / 10 and the dividend payout ratio is 58.22%.