GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-M - CA39138C8170
25.94 CAD
+0.05 (+0.19%)
Taking everything into account, GWO-PR-M scores 4 out of 10 in our fundamental rating. GWO-PR-M was compared to 80 industry peers in the Insurance industry. There are concerns on the financial health of GWO-PR-M while its profitability can be described as average. GWO-PR-M is valued correctly, but it does not seem to be growing. Finally GWO-PR-M also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-M was profitable.
In the past year GWO-PR-M had a positive cash flow from operations.
GWO-PR-M had positive earnings in each of the past 5 years.
In the past 5 years GWO-PR-M always reported a positive cash flow from operatings.
1.2 Ratios
GWO-PR-M's Return On Assets of 0.46% is on the low side compared to the rest of the industry. GWO-PR-M is outperformed by 66.25% of its industry peers.
The Return On Equity of GWO-PR-M (11.43%) is comparable to the rest of the industry.
GWO-PR-M's Return On Invested Capital of 0.46% is in line compared to the rest of the industry. GWO-PR-M outperforms 43.75% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GWO-PR-M 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
GWO-PR-M's Profit Margin of 10.77% is fine compared to the rest of the industry. GWO-PR-M outperforms 61.25% of its industry peers.
In the last couple of years the Profit Margin of GWO-PR-M has grown nicely.
GWO-PR-M's Operating Margin of 14.86% is on the low side compared to the rest of the industry. GWO-PR-M is outperformed by 81.25% of its industry peers.
GWO-PR-M'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
Compared to 1 year ago, GWO-PR-M has about the same amount of shares outstanding.
GWO-PR-M has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, GWO-PR-M has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-M is 2.17, which is a good value as it means it would take GWO-PR-M, 2.17 years of fcf income to pay off all of its debts.
GWO-PR-M's Debt to FCF ratio of 2.17 is on the low side compared to the rest of the industry. GWO-PR-M is outperformed by 60.00% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that GWO-PR-M is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.28, GWO-PR-M is in line with its industry, outperforming 41.25% of the companies in the same industry.
| 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-M has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-M is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.21, GWO-PR-M is doing good in the industry, outperforming 67.50% of the companies in the same industry.
GWO-PR-M has a Quick Ratio of 0.21. This is a bad value and indicates that GWO-PR-M is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO-PR-M has a Quick ratio of 0.21. This is in the better half of the industry: GWO-PR-M outperforms 67.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-M shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.86%, which is quite good.
GWO-PR-M shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.95% yearly.
The Revenue has grown by 8.22% in the past year. This is quite good.
GWO-PR-M 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
Based on estimates for the next years, GWO-PR-M will show a small growth in Earnings Per Share. The EPS will grow by 3.72% on average per year.
Based on estimates for the next years, GWO-PR-M will show a decrease in Revenue. The Revenue will decrease by -7.91% on average per year.
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
With a Price/Earnings ratio of 5.54, the valuation of GWO-PR-M can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-M is on the same level as its industry peers.
GWO-PR-M is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 4.95, the valuation of GWO-PR-M can be described as very cheap.
GWO-PR-M's Price/Forward Earnings ratio is in line with the industry average.
GWO-PR-M is valuated cheaply when we compare the Price/Forward Earnings ratio to 33.61, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.54 | ||
| Fwd PE | 4.95 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-M is valued expensively inside the industry as 80.00% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)0.62
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.01%, GWO-PR-M is a good candidate for dividend investing.
GWO-PR-M's Dividend Yield is a higher than the industry average which is at 3.67.
GWO-PR-M's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
5.2 History
The dividend of GWO-PR-M has a limited annual growth rate of 5.95%.
GWO-PR-M has paid a dividend for at least 10 years, which is a reliable track record.
GWO-PR-M has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
GWO-PR-M pays out 61.63% of its income as dividend. This is not a sustainable payout ratio.
The dividend of GWO-PR-M is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 5.8 PERP
TSX:GWO-PR-M (11/5/2025, 7:00:00 PM)
25.94
+0.05 (+0.19%)
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 Cap23.97B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.5
Price Target26.62 (2.62%)
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 Years14
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)0.61%
PT rev (3m)-1.26%
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 | 5.54 | ||
| Fwd PE | 4.95 | ||
| P/S | 0.69 | ||
| P/FCF | 5.6 | ||
| P/OCF | 5.6 | ||
| P/B | 0.73 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY18.04%
EPS(NY)5.24
Fwd EY20.18%
FCF(TTM)4.63
FCFY17.86%
OCF(TTM)4.63
OCFY17.86%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.83
PEG (5Y)0.62
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 5.8 PERP / GWO-PR-M.CA FAQ
What is the ChartMill fundamental rating of GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-M.CA.
What is the valuation status for GWO-PR-M stock?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA). This can be considered as Fairly Valued.
What is the profitability of GWO-PR-M stock?
GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) has a profitability rating of 4 / 10.
What is the earnings growth outlook for GREAT-WEST LIFECO INC - GWOCN 5.8 PERP?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) is expected to grow by 6.71% in the next year.
Can you provide the dividend sustainability for GWO-PR-M stock?
The dividend rating of GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) is 7 / 10 and the dividend payout ratio is 61.63%.