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

TSX:GWO-PR-I • CA39138C8667

Current stock price

20.31 CAD
-0.04 (-0.2%)
Last:

This GWO-PR-I.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. GWO-PR-I.CA Profitability Analysis

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.
  • GWO-PR-I had positive earnings in each of the past 5 years.
  • 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 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • GWO-PR-I has a Return On Assets (0.46%) which is in line with its industry peers.
  • GWO-PR-I's Return On Equity of 12.02% is in line compared to the rest of the industry. GWO-PR-I outperforms 56.41% of its industry peers.
  • GWO-PR-I has a Return On Invested Capital (0.55%) which is comparable to the rest of the industry.
  • GWO-PR-I had an Average Return On Invested Capital over the past 3 years of 0.54%. This is below the industry average of 3.17%.
  • The last Return On Invested Capital (0.55%) for GWO-PR-I is above the 3 year average (0.54%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.46%
ROE 12.02%
ROIC 0.55%
ROA(3y)0.44%
ROA(5y)0.47%
ROE(3y)11.11%
ROE(5y)11.24%
ROIC(3y)0.54%
ROIC(5y)0.56%
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 2025 2 4 6 8 10

1.3 Margins

  • GWO-PR-I has a Profit Margin of 11.13%. This is in the better half of the industry: GWO-PR-I outperforms 65.38% of its industry peers.
  • GWO-PR-I's Profit Margin has improved in the last couple of years.
  • The Operating Margin of GWO-PR-I (15.31%) 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 RankSector Rank
OM 15.31%
PM (TTM) 11.13%
GM N/A
OM growth 3Y-16.84%
OM growth 5Y23.82%
PM growth 3Y-18.63%
PM growth 5Y17.91%
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 2025 5 10 15 20 25

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5

2. GWO-PR-I.CA Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for GWO-PR-I has been reduced compared to 1 year ago.
  • GWO-PR-I has less shares outstanding than it did 5 years ago.
  • GWO-PR-I has a better debt/assets ratio than last year.
GWO-PR-I.CA Yearly Shares OutstandingGWO-PR-I.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of GWO-PR-I is 3.25, which is a good value as it means it would take GWO-PR-I, 3.25 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.25, GWO-PR-I is in line with its industry, outperforming 47.44% of the companies in the same industry.
  • A Debt/Equity ratio of 0.27 indicates that GWO-PR-I is not too dependend on debt financing.
  • GWO-PR-I has a Debt to Equity ratio of 0.27. This is in the better half of the industry: GWO-PR-I outperforms 75.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.25
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 2025 10B 20B 30B

2.3 Liquidity

  • GWO-PR-I has a Current Ratio of 0.20. 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 better Current ratio (0.20) than 82.05% of its industry peers.
  • A Quick Ratio of 0.20 indicates that GWO-PR-I may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.20, GWO-PR-I belongs to the top of the industry, outperforming 82.05% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
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 2025 1B 2B 3B 4B 5B

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

5

3. GWO-PR-I.CA Growth Analysis

3.1 Past

  • GWO-PR-I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.26%, which is quite good.
  • Measured over the past years, GWO-PR-I shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.83% on average per year.
  • The Revenue has grown by 10.29% in the past year. This is quite good.
  • The Revenue has been decreasing by -10.00% on average over the past years.
EPS 1Y (TTM)11.26%
EPS 3Y13.39%
EPS 5Y11.83%
EPS Q2Q%14.29%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y26.91%
Revenue growth 5Y-10%
Sales Q2Q%5.39%

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 1.92% yearly.
  • GWO-PR-I is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 28.19% yearly.
EPS Next Y9.63%
EPS Next 2Y9.1%
EPS Next 3Y8.73%
EPS Next 5Y1.92%
Revenue Next Year-65.29%
Revenue Next 2Y-38.62%
Revenue Next 3Y-31.45%
Revenue Next 5Y28.19%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 2 4 6

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6

4. GWO-PR-I.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.03 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 76.92% of the companies listed in the same industry.
  • GWO-PR-I's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.54.
  • With a Price/Forward Earnings ratio of 3.68, 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 78.21% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, GWO-PR-I is valued rather cheaply.
Industry RankSector Rank
PE 4.03
Fwd PE 3.68
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 6.78
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

  • GWO-PR-I's 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)0.34
EPS Next 2Y9.1%
EPS Next 3Y8.73%

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7

5. GWO-PR-I.CA Dividend Analysis

5.1 Amount

  • GWO-PR-I has a Yearly Dividend Yield of 4.27%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.76, GWO-PR-I pays a bit more dividend than its industry peers.
  • GWO-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.27%

5.2 History

  • On average, the dividend of GWO-PR-I grows each year by 6.72%, which is quite nice.
  • 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)6.72%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 60.93% of the earnings are spent on dividend by GWO-PR-I. This is not a sustainable payout ratio.
  • GWO-PR-I's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.93%
EPS Next 2Y9.1%
EPS Next 3Y8.73%
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 2025 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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GWO-PR-I.CA Fundamentals: All Metrics, Ratios and Statistics

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

TSX:GWO-PR-I (3/23/2026, 7:00:00 PM)

20.31

-0.04 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners9.96%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap18.36B
Revenue(TTM)35.59B
Net Income(TTM)3.96B
Analysts75
Price Target23.17 (14.08%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.27%
Yearly Dividend2.63
Dividend Growth(5Y)6.72%
DP60.93%
Div Incr Years0
Div Non Decr Years18
Ex-Date03-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.66%
Min EPS beat(2)4.4%
Max EPS beat(2)8.92%
EPS beat(4)3
Avg EPS beat(4)3.12%
Min EPS beat(4)-5.18%
Max EPS beat(4)8.92%
EPS beat(8)7
Avg EPS beat(8)4.11%
EPS beat(12)10
Avg EPS beat(12)3.77%
EPS beat(16)13
Avg EPS beat(16)3.06%
Revenue beat(2)2
Avg Revenue beat(2)279.49%
Min Revenue beat(2)269.96%
Max Revenue beat(2)289.01%
Revenue beat(4)4
Avg Revenue beat(4)172.56%
Min Revenue beat(4)64.71%
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)0.02%
PT rev (3m)12.68%
EPS NQ rev (1m)1.02%
EPS NQ rev (3m)1.02%
EPS NY rev (1m)2.19%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-65.42%
Revenue NY rev (3m)-74.98%
Valuation
Industry RankSector Rank
PE 4.03
Fwd PE 3.68
P/S 0.52
P/FCF 6.78
P/OCF 6.78
P/B 0.56
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)5.04
EY24.82%
EPS(NY)5.53
Fwd EY27.2%
FCF(TTM)3
FCFY14.75%
OCF(TTM)3
OCFY14.75%
SpS39.37
BVpS36.44
TBVpS18.52
PEG (NY)0.42
PEG (5Y)0.34
Graham Number64.28
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 12.02%
ROCE 0.63%
ROIC 0.55%
ROICexc 0.56%
ROICexgc 1.91%
OM 15.31%
PM (TTM) 11.13%
GM N/A
FCFM 7.61%
ROA(3y)0.44%
ROA(5y)0.47%
ROE(3y)11.11%
ROE(5y)11.24%
ROIC(3y)0.54%
ROIC(5y)0.56%
ROICexc(3y)0.54%
ROICexc(5y)0.56%
ROICexgc(3y)1.68%
ROICexgc(5y)1.7%
ROCE(3y)0.62%
ROCE(5y)0.64%
ROICexgc growth 3Y1.24%
ROICexgc growth 5Y6.02%
ROICexc growth 3Y-3.07%
ROICexc growth 5Y3.76%
OM growth 3Y-16.84%
OM growth 5Y23.82%
PM growth 3Y-18.63%
PM growth 5Y17.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.25
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 14.01
Cash Conversion N/A
Profit Quality 68.38%
Current Ratio 0.2
Quick Ratio 0.2
Altman-Z N/A
F-Score5
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)126.33%
Profit Quality(5y)163.1%
High Growth Momentum
Growth
EPS 1Y (TTM)11.26%
EPS 3Y13.39%
EPS 5Y11.83%
EPS Q2Q%14.29%
EPS Next Y9.63%
EPS Next 2Y9.1%
EPS Next 3Y8.73%
EPS Next 5Y1.92%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y26.91%
Revenue growth 5Y-10%
Sales Q2Q%5.39%
Revenue Next Year-65.29%
Revenue Next 2Y-38.62%
Revenue Next 3Y-31.45%
Revenue Next 5Y28.19%
EBIT growth 1Y-1.02%
EBIT growth 3Y5.54%
EBIT growth 5Y11.44%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43%
FCF growth 3Y-10.46%
FCF growth 5Y-22.38%
OCF growth 1Y-43%
OCF growth 3Y-10.46%
OCF growth 5Y-22.38%

GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP / GWO-PR-I.CA Fundamental Analysis 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 4.03 and the Price/Book (PB) ratio is 0.56.


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 60.93%.