GREAT-WEST LIFECO INC - GWOCN 5.65 PERP (GWO-PR-L.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-L - CA39138C8253
25.48 CAD
+0.17 (+0.67%)
GWO-PR-L gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 79 industry peers in the Insurance industry. GWO-PR-L has a medium profitability rating, but doesn't score so well on its financial health evaluation. GWO-PR-L is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-L was profitable.
GWO-PR-L had a positive operating cash flow in the past year.
Each year in the past 5 years GWO-PR-L has been profitable.
Each year in the past 5 years GWO-PR-L had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.46%, GWO-PR-L is not doing good in the industry: 67.09% of the companies in the same industry are doing better.
With a Return On Equity value of 11.43%, GWO-PR-L perfoms like the industry average, outperforming 43.04% of the companies in the same industry.
GWO-PR-L has a Return On Invested Capital (0.46%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-L is in line with the industry average of 2.21%.
| 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
GWO-PR-L has a better Profit Margin (10.77%) than 62.03% of its industry peers.
In the last couple of years the Profit Margin of GWO-PR-L has grown nicely.
GWO-PR-L has a Operating Margin of 14.86%. This is in the lower half of the industry: GWO-PR-L underperforms 79.75% of its industry peers.
In the last couple of years the Operating Margin of GWO-PR-L has grown nicely.
| 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.
GWO-PR-L has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, GWO-PR-L has an improved debt to assets ratio.
2.2 Solvency
GWO-PR-L has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as GWO-PR-L would need 2.17 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.17, GWO-PR-L is doing worse than 60.76% 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's Debt to Equity ratio of 0.28 is in line compared to the rest of the industry. GWO-PR-L outperforms 40.51% 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.
The Current ratio of GWO-PR-L (0.21) is better than 68.35% of its industry peers.
A Quick Ratio of 0.21 indicates that GWO-PR-L may have some problems paying its short term obligations.
GWO-PR-L has a Quick ratio of 0.21. This is in the better half of the industry: GWO-PR-L outperforms 68.35% of its industry peers.
| 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.
Measured over the past years, GWO-PR-L shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.95% on average per year.
The Revenue has grown by 8.22% in the past year. This is quite good.
The Revenue has been decreasing by -6.19% on average over the past years.
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 3.58% yearly.
GWO-PR-L is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.04% yearly.
EPS Next Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.04%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 5.44, 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.
Compared to an average S&P500 Price/Earnings ratio of 27.77, GWO-PR-L is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.95, the valuation of GWO-PR-L can be described as very cheap.
GWO-PR-L's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, GWO-PR-L is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 4.95 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-L indicates a slightly more expensive valuation: GWO-PR-L is more expensive than 78.48% of the companies listed 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)0.9
PEG (5Y)0.61
EPS Next 2Y6.62%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
GWO-PR-L has a Yearly Dividend Yield of 2.47%.
With a Dividend Yield of 2.47, GWO-PR-L pays less dividend than the industry average, which is at 3.80. 86.08% of the companies listed in the same industry pay a better dividend than GWO-PR-L!
Compared to an average S&P500 Dividend Yield of 2.36, GWO-PR-L has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
5.2 History
The dividend of GWO-PR-L has a limited annual growth rate of 5.95%.
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)5.95%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
GWO-PR-L pays out 61.63% of its income as dividend. 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.
DP61.63%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
GREAT-WEST LIFECO INC - GWOCN 5.65 PERP
TSX:GWO-PR-L (10/21/2025, 7:00:00 PM)
25.48
+0.17 (+0.67%)
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 Cap23.54B
Analysts72.86
Price Target26.2 (2.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
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)0.36%
PT rev (3m)-0.28%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)0.27%
EPS NY rev (3m)-2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-94.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 4.95 | ||
| 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
EY18.37%
EPS(NY)5.15
Fwd EY20.21%
FCF(TTM)4.63
FCFY18.18%
OCF(TTM)4.63
OCFY18.18%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.9
PEG (5Y)0.61
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%
ROICexcg growth 3Y2.54%
ROICexcg 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 Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.04%
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%