GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-I - CA39138C8667
20.89 CAD
-0.03 (-0.14%)
Overall GWO-PR-I gets a fundamental rating of 5 out of 10. We evaluated GWO-PR-I against 80 industry peers in the Insurance industry. Both the profitability and the financial health of GWO-PR-I get a neutral evaluation. Nothing too spectacular is happening here. GWO-PR-I is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-I was profitable.
GWO-PR-I had a positive operating cash flow in the past year.
GWO-PR-I had positive earnings in each of the past 5 years.
Each year in the past 5 years GWO-PR-I had a positive operating cash flow.
1.2 Ratios
GWO-PR-I's Return On Assets of 0.47% is in line compared to the rest of the industry. GWO-PR-I outperforms 46.25% of its industry peers.
GWO-PR-I has a Return On Equity of 12.15%. This is in the better half of the industry: GWO-PR-I outperforms 65.00% of its industry peers.
GWO-PR-I's Return On Invested Capital of 0.46% is in line compared to the rest of the industry. GWO-PR-I outperforms 55.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-I is below the industry average of 2.46%.
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 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
Looking at the Profit Margin, with a value of 12.02%, GWO-PR-I is in the better half of the industry, outperforming 78.75% of the companies in the same industry.
GWO-PR-I's Profit Margin has improved in the last couple of years.
GWO-PR-I has a Operating Margin (16.34%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of GWO-PR-I 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-I has about the same amount of shares outstanding.
Compared to 5 years ago, GWO-PR-I has more shares outstanding
The debt/assets ratio for GWO-PR-I has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-I is 1.74, which is an excellent value as it means it would take GWO-PR-I, only 1.74 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.74, GWO-PR-I is in the better half of the industry, outperforming 63.75% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that GWO-PR-I is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.26, GWO-PR-I is in the better half of the industry, outperforming 73.75% of the companies in the same industry.
| 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-I may have some problems paying its short term obligations.
The Current ratio of GWO-PR-I (0.21) is better than 80.00% 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.
Looking at the Quick ratio, with a value of 0.21, GWO-PR-I is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
| 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 11.19% over the past year.
GWO-PR-I shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.95% yearly.
The Revenue has decreased by -7.48% in the past year.
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
Based on estimates for the next years, GWO-PR-I will show a small growth in Earnings Per Share. The EPS will grow by 3.72% on average per year.
The Revenue is expected to decrease by -7.76% on average over the next years.
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-7.76%
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 4.29, the valuation of GWO-PR-I can be described as very cheap.
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 75.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of GWO-PR-I to the average of the S&P500 Index (26.31), we can say GWO-PR-I is valued rather cheaply.
A Price/Forward Earnings ratio of 3.99 indicates a rather cheap valuation of GWO-PR-I.
GWO-PR-I's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GWO-PR-I is cheaper than 76.25% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. GWO-PR-I is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.29 | ||
| Fwd PE | 3.99 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as GWO-PR-I.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GWO-PR-I's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of GWO-PR-I may justify a higher PE ratio.
PEG (NY)0.64
PEG (5Y)0.48
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
GWO-PR-I has a Yearly Dividend Yield of 2.43%. Purely for dividend investing, there may be better candidates out there.
GWO-PR-I's Dividend Yield is slightly below the industry average, which is at 4.36.
Compared to an average S&P500 Dividend Yield of 2.40, GWO-PR-I has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
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
5.3 Sustainability
GWO-PR-I 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-I 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 1/2 PERP
TSX:GWO-PR-I (11/27/2025, 7:00:00 PM)
20.89
-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 Cap19.10B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target22.27 (6.61%)
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 Years18
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)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)4%
PT rev (3m)2.35%
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 | 4.29 | ||
| Fwd PE | 3.99 | ||
| P/S | 0.57 | ||
| P/FCF | 3.8 | ||
| P/OCF | 3.8 | ||
| P/B | 0.58 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY23.31%
EPS(NY)5.24
Fwd EY25.06%
FCF(TTM)5.49
FCFY26.29%
OCF(TTM)5.49
OCFY26.29%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)0.64
PEG (5Y)0.48
Graham Number63.02
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%66.19%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.76%
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.
What is the valuation status for GWO-PR-I stock?
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.
Can you provide the profitability details for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP?
GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for GWO-PR-I stock?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) is 4.29 and the Price/Book (PB) ratio is 0.58.
What is the earnings growth outlook for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-I.CA) is expected to grow by 6.71% in the next year.