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
21.06 CAD
-0.03 (-0.14%)
GWO-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. GWO-PR-I has only an average score on both its financial health and profitability. GWO-PR-I has a valuation in line with the averages, but it does not seem to be growing. Finally GWO-PR-I also has an excellent dividend rating.
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.
- In the past 5 years GWO-PR-I has always been profitable.
- In the past 5 years GWO-PR-I always reported a positive cash flow from operatings.
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 43.75% 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 61.25% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.46%, GWO-PR-I is in line with its industry, outperforming 55.00% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-I is below the industry average of 3.04%.
- 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
- GWO-PR-I has a better Profit Margin (12.02%) than 77.50% of its industry peers.
- GWO-PR-I's Profit Margin has improved in the last couple of years.
- GWO-PR-I's Operating Margin of 16.34% is in line compared to the rest of the industry. GWO-PR-I outperforms 52.50% of its industry peers.
- GWO-PR-I's Operating Margin has improved in the last couple of years.
| 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.
- The number of shares outstanding for GWO-PR-I has been increased compared to 5 years ago.
- The debt/assets ratio for GWO-PR-I has been reduced compared to a year ago.
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.
- 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 61.25% 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 72.50% 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.
- GWO-PR-I's Current ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-I outperforms 80.00% of its industry peers.
- A Quick Ratio of 0.21 indicates that GWO-PR-I may have some problems paying its short term obligations.
- The Quick ratio of GWO-PR-I (0.21) is better than 80.00% 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 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.
- Looking at the last year, GWO-PR-I shows a decrease in Revenue. The Revenue has decreased by -7.48% in the last year.
- Measured over the past years, GWO-PR-I shows a decrease in Revenue. The Revenue has been decreasing by -6.19% on average per year.
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
- The Earnings Per Share is expected to grow by 3.72% on average over the next years.
- The Revenue is expected to decrease by -8.23% 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-8.23%
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.
- 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
- Based on the Price/Earnings ratio of 4.32, the valuation of GWO-PR-I can be described as very cheap.
- 76.25% of the companies in the same industry are more expensive than GWO-PR-I, based on the Price/Earnings ratio.
- GWO-PR-I is valuated cheaply when we compare the Price/Earnings ratio to 28.82, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 3.89, the valuation of GWO-PR-I can be described as very cheap.
- Based on the Price/Forward Earnings ratio, GWO-PR-I is valued a bit cheaper than the industry average as 76.25% of the companies are valued more expensively.
- GWO-PR-I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.95.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.32 | ||
| Fwd PE | 3.89 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-I is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.83 | ||
| 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.
- GWO-PR-I has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.42
PEG (5Y)0.48
EPS Next 2Y9.25%
EPS Next 3Y8.94%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.34%, GWO-PR-I is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.42, GWO-PR-I has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, GWO-PR-I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
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 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 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.
- GWO-PR-I'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 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 6 / 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 4.32 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%.