GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) Fundamental Analysis & Valuation

TSX:GWO-PR-L • CA39138C8253

24.95 CAD
+0.1 (+0.4%)
Last: Mar 4, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Overall GWO-PR-L gets a fundamental rating of 4 out of 10. We evaluated GWO-PR-L against 80 industry peers in the Insurance industry. GWO-PR-L has an average financial health and profitability rating. GWO-PR-L has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. GWO-PR-L.CA Profitability Analysis

1.1 Basic Checks

  • In the past year GWO-PR-L was profitable.
  • In the past year GWO-PR-L had a positive cash flow from operations.
  • In the past 5 years GWO-PR-L has always been profitable.
  • Each year in the past 5 years GWO-PR-L had a positive operating cash flow.
GWO-PR-L.CA Yearly Net Income VS EBIT VS OCF VS FCFGWO-PR-L.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-L has a worse Return On Assets (0.46%) than 65.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.02%, GWO-PR-L is in line with its industry, outperforming 41.25% of the companies in the same industry.
  • GWO-PR-L has a Return On Invested Capital (0.55%) which is comparable to the rest of the industry.
  • GWO-PR-L 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-L 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-L.CA Yearly ROA, ROE, ROICGWO-PR-L.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

  • The Profit Margin of GWO-PR-L (11.13%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of GWO-PR-L has grown nicely.
  • With a Operating Margin value of 15.31%, GWO-PR-L is not doing good in the industry: 61.25% of the companies in the same industry are doing better.
  • GWO-PR-L's Operating Margin has improved in the last couple of years.
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-L.CA Yearly Profit, Operating, Gross MarginsGWO-PR-L.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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4

2. GWO-PR-L.CA Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for GWO-PR-L has been reduced compared to 1 year ago.
  • GWO-PR-L has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GWO-PR-L has an improved debt to assets ratio.
GWO-PR-L.CA Yearly Shares OutstandingGWO-PR-L.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
GWO-PR-L.CA Yearly Total Debt VS Total AssetsGWO-PR-L.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-L is 3.25, which is a good value as it means it would take GWO-PR-L, 3.25 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of GWO-PR-L (3.25) is worse than 62.50% of its industry peers.
  • GWO-PR-L has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
  • GWO-PR-L has a better Debt to Equity ratio (0.27) than 66.25% 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-L.CA Yearly LT Debt VS Equity VS FCFGWO-PR-L.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-L has a Current Ratio of 0.20. 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.
  • GWO-PR-L has a Current ratio of 0.20. This is in the better half of the industry: GWO-PR-L outperforms 71.25% of its industry peers.
  • A Quick Ratio of 0.20 indicates that GWO-PR-L may have some problems paying its short term obligations.
  • The Quick ratio of GWO-PR-L (0.20) is better than 71.25% of its industry peers.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
GWO-PR-L.CA Yearly Current Assets VS Current LiabilitesGWO-PR-L.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-L.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.26% over the past year.
  • GWO-PR-L shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.83% yearly.
  • 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-L is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.92% yearly.
  • The Revenue is expected to grow by 29.03% on average over the next years. This is a very strong growth
EPS Next Y7.28%
EPS Next 2Y7.8%
EPS Next 3Y-0.79%
EPS Next 5Y1.92%
Revenue Next Year6.44%
Revenue Next 2Y5.77%
Revenue Next 3Y3.72%
Revenue Next 5Y29.03%

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 accelerating: in the next years the growth will be better than in the last years.
GWO-PR-L.CA Yearly Revenue VS EstimatesGWO-PR-L.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-L.CA Yearly EPS VS EstimatesGWO-PR-L.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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5

4. GWO-PR-L.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • GWO-PR-L is valuated cheaply with a Price/Earnings ratio of 4.95.
  • Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-L is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.03. GWO-PR-L is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 4.61, which indicates a rather cheap valuation of GWO-PR-L.
  • GWO-PR-L's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of GWO-PR-L to the average of the S&P500 Index (25.11), we can say GWO-PR-L is valued rather cheaply.
Industry RankSector Rank
PE 4.95
Fwd PE 4.61
GWO-PR-L.CA Price Earnings VS Forward Price EarningsGWO-PR-L.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, GWO-PR-L is valued a bit more expensive than 63.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.33
EV/EBITDA N/A
GWO-PR-L.CA Per share dataGWO-PR-L.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.68
PEG (5Y)0.42
EPS Next 2Y7.8%
EPS Next 3Y-0.79%

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5

5. GWO-PR-L.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.06%, GWO-PR-L is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.43, GWO-PR-L is paying slightly less dividend.
  • GWO-PR-L's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.06%

5.2 History

  • The dividend of GWO-PR-L is nicely growing with an annual growth rate of 6.72%!
  • GWO-PR-L has paid a dividend for at least 10 years, which is a reliable track record.
  • GWO-PR-L has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.72%
Div Incr Years0
Div Non Decr Years4
GWO-PR-L.CA Yearly Dividends per shareGWO-PR-L.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-L. This is not a sustainable payout ratio.
  • The dividend of GWO-PR-L is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.93%
EPS Next 2Y7.8%
EPS Next 3Y-0.79%
GWO-PR-L.CA Yearly Income VS Free CF VS DividendGWO-PR-L.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-L.CA Dividend Payout.GWO-PR-L.CA Dividend Payout, showing the Payout Ratio.GWO-PR-L.CA Dividend Payout.PayoutRetained Earnings

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GWO-PR-L.CA Fundamentals: All Metrics, Ratios and Statistics

GREAT-WEST LIFECO INC - GWOCN 5.65 PERP

TSX:GWO-PR-L (3/4/2026, 7:00:00 PM)

24.95

+0.1 (+0.4%)

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 Cap22.55B
Revenue(TTM)35.59B
Net Income(TTM)3.96B
Analysts72.5
Price Target27.25 (9.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.06%
Yearly Dividend2.63
Dividend Growth(5Y)6.72%
DP60.93%
Div Incr Years0
Div Non Decr Years4
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)7.8%
PT rev (3m)2.66%
EPS NQ rev (1m)1.11%
EPS NQ rev (3m)2.26%
EPS NY rev (1m)0%
EPS NY rev (3m)3.28%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-72.95%
Revenue NY rev (1m)2.83%
Revenue NY rev (3m)241.14%
Valuation
Industry RankSector Rank
PE 4.95
Fwd PE 4.61
P/S 0.63
P/FCF 8.33
P/OCF 8.33
P/B 0.68
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)5.04
EY20.2%
EPS(NY)5.41
Fwd EY21.67%
FCF(TTM)3
FCFY12.01%
OCF(TTM)3
OCFY12.01%
SpS39.37
BVpS36.44
TBVpS18.52
PEG (NY)0.68
PEG (5Y)0.42
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 Y7.28%
EPS Next 2Y7.8%
EPS Next 3Y-0.79%
EPS Next 5Y1.92%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y26.91%
Revenue growth 5Y-10%
Sales Q2Q%5.39%
Revenue Next Year6.44%
Revenue Next 2Y5.77%
Revenue Next 3Y3.72%
Revenue Next 5Y29.03%
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 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.


Can you provide the valuation status for GREAT-WEST LIFECO INC - GWOCN 5.65 PERP?

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.


How financially healthy is GREAT-WEST LIFECO INC - GWOCN 5.65 PERP?

The financial health rating of GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) is 4 / 10.


Can you provide the expected EPS growth for GWO-PR-L stock?

The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) is expected to grow by 7.28% in the next year.