GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-L - CA39138C8253
25.49 CAD
-0.34 (-1.32%)
We assign a fundamental rating of 4 out of 10 to GWO-PR-L. GWO-PR-L was compared to 80 industry peers in the Insurance industry. While GWO-PR-L is still in line with the averages on profitability rating, there are concerns on its financial health. GWO-PR-L has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GWO-PR-L had positive earnings in the past year.
In the past year GWO-PR-L had a positive cash flow from operations.
Each year in the past 5 years GWO-PR-L has been profitable.
In the past 5 years GWO-PR-L always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of GWO-PR-L (0.46%) is worse than 65.00% of its industry peers.
GWO-PR-L has a Return On Equity (11.43%) which is in line with its industry peers.
With a Return On Invested Capital value of 0.46%, GWO-PR-L perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GWO-PR-L is in line with the industry average of 2.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.43% | ||
| 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
The Profit Margin of GWO-PR-L (10.77%) is better than 62.50% of its industry peers.
GWO-PR-L's Profit Margin has improved in the last couple of years.
GWO-PR-L has a Operating Margin of 14.86%. This is amonst the worse of the industry: GWO-PR-L underperforms 80.00% of its industry peers.
GWO-PR-L's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.86% | ||
| PM (TTM) | 10.77% | ||
| 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
GWO-PR-L has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for GWO-PR-L has been increased compared to 5 years ago.
Compared to 1 year ago, GWO-PR-L has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-L is 2.17, which is a good value as it means it would take GWO-PR-L, 2.17 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.17, GWO-PR-L perfoms like the industry average, outperforming 41.25% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that GWO-PR-L is not too dependend on debt financing.
GWO-PR-L has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: GWO-PR-L outperforms 42.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GWO-PR-L has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-L is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.21, GWO-PR-L is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
A Quick Ratio of 0.21 indicates that GWO-PR-L may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.21, GWO-PR-L is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-L shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.86%, 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 grown by 8.22% in the past year. This is quite good.
GWO-PR-L shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.19% yearly.
EPS 1Y (TTM)9.86%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%11.71%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
3.2 Future
GWO-PR-L 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-L is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.91% yearly.
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-7.91%
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 5.45, the valuation of GWO-PR-L can be described as very cheap.
GWO-PR-L's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 25.91. GWO-PR-L is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 4.87 indicates a rather cheap valuation of GWO-PR-L.
The rest of the industry has a similar Price/Forward Earnings ratio as GWO-PR-L.
The average S&P500 Price/Forward Earnings ratio is at 34.57. GWO-PR-L is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.45 | ||
| Fwd PE | 4.87 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-L is valued a bit more expensive than 78.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GWO-PR-L's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.81
PEG (5Y)0.61
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.01%, GWO-PR-L is a good candidate for dividend investing.
GWO-PR-L's Dividend Yield is a higher than the industry average which is at 3.67.
Compared to an average S&P500 Dividend Yield of 2.36, GWO-PR-L pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
5.2 History
The dividend of GWO-PR-L has a limited annual growth rate of 5.95%.
GWO-PR-L has been paying a dividend for at least 10 years, so it has a reliable track record.
GWO-PR-L has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
61.63% of the earnings are spent on dividend by GWO-PR-L. This is not a sustainable payout ratio.
GWO-PR-L's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 5.65 PERP
TSX:GWO-PR-L (11/13/2025, 7:00:00 PM)
25.49
-0.34 (-1.32%)
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 Cap23.55B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.5
Price Target26.27 (3.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP61.63%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.43%
Min EPS beat(2)-5.18%
Max EPS beat(2)4.32%
EPS beat(4)3
Avg EPS beat(4)1.98%
Min EPS beat(4)-5.18%
Max EPS beat(4)4.6%
EPS beat(8)7
Avg EPS beat(8)3.18%
EPS beat(12)9
Avg EPS beat(12)2.67%
EPS beat(16)12
Avg EPS beat(16)3.15%
Revenue beat(2)2
Avg Revenue beat(2)65.64%
Min Revenue beat(2)64.71%
Max Revenue beat(2)66.56%
Revenue beat(4)3
Avg Revenue beat(4)25.28%
Min Revenue beat(4)-32.89%
Max Revenue beat(4)66.56%
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)0.27%
PT rev (3m)-0.53%
EPS NQ rev (1m)1.12%
EPS NQ rev (3m)0.86%
EPS NY rev (1m)0.63%
EPS NY rev (3m)-1.44%
Revenue NQ rev (1m)-72.52%
Revenue NQ rev (3m)-72.52%
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)-88.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.45 | ||
| Fwd PE | 4.87 | ||
| P/S | 0.68 | ||
| P/FCF | 5.5 | ||
| P/OCF | 5.5 | ||
| P/B | 0.72 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY18.36%
EPS(NY)5.24
Fwd EY20.54%
FCF(TTM)4.63
FCFY18.18%
OCF(TTM)4.63
OCFY18.18%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.81
PEG (5Y)0.61
Graham Number60.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.43% | ||
| ROCE | 0.63% | ||
| ROIC | 0.46% | ||
| ROICexc | 0.46% | ||
| ROICexgc | 1.54% | ||
| OM | 14.86% | ||
| PM (TTM) | 10.77% | ||
| GM | N/A | ||
| FCFM | 12.36% |
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-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.17 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 11.75 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 114.8% | ||
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 | ||
| 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)138.5%
Profit Quality(5y)214.73%
High Growth Momentum
Growth
EPS 1Y (TTM)9.86%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%11.71%
EPS Next Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
EBIT growth 1Y3.17%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y59.68%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y59.68%
OCF growth 3Y-22.92%
OCF growth 5Y-4.91%
GREAT-WEST LIFECO INC - GWOCN 5.65 PERP / GWO-PR-L.CA FAQ
What is the ChartMill fundamental rating of GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-L.CA.
What is the valuation status for GWO-PR-L stock?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GREAT-WEST LIFECO INC - GWOCN 5.65 PERP?
GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) has a profitability rating of 4 / 10.
Can you provide the financial health for GWO-PR-L stock?
The financial health rating of GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) is 3 / 10.
What is the earnings growth outlook for GREAT-WEST LIFECO INC - GWOCN 5.65 PERP?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) is expected to grow by 6.71% in the next year.