GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-M - CA39138C8170
25.6 CAD
-0.17 (-0.66%)
Overall GWO-PR-M gets a fundamental rating of 4 out of 10. We evaluated GWO-PR-M against 81 industry peers in the Insurance industry. GWO-PR-M has an average financial health and profitability rating. GWO-PR-M has a valuation in line with the averages, but it does not seem to be growing. GWO-PR-M also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- GWO-PR-M had positive earnings in the past year.
- GWO-PR-M had a positive operating cash flow in the past year.
- 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 has a worse Return On Assets (0.47%) than 66.67% of its industry peers.
- With a Return On Equity value of 12.15%, GWO-PR-M perfoms like the industry average, outperforming 49.38% of the companies in the same industry.
- GWO-PR-M has a Return On Invested Capital (0.46%) which is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for GWO-PR-M is below the industry average of 2.99%.
- The last Return On Invested Capital (0.46%) for GWO-PR-M is above the 3 year average (0.46%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 12.15% | ||
| 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 has a Profit Margin of 12.02%. This is in the better half of the industry: GWO-PR-M outperforms 65.43% of its industry peers.
- GWO-PR-M's Profit Margin has improved in the last couple of years.
- GWO-PR-M has a worse Operating Margin (16.34%) than 60.49% of its industry peers.
- GWO-PR-M's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.34% | ||
| PM (TTM) | 12.02% | ||
| 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
- The number of shares outstanding for GWO-PR-M remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, GWO-PR-M has more shares outstanding
- The debt/assets ratio for GWO-PR-M has been reduced compared to a year ago.
2.2 Solvency
- GWO-PR-M has a debt to FCF ratio of 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.
- GWO-PR-M has a Debt to FCF ratio (1.74) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.26 indicates that GWO-PR-M is not too dependend on debt financing.
- The Debt to Equity ratio of GWO-PR-M (0.26) is better than 60.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.21 indicates that GWO-PR-M may have some problems paying its short term obligations.
- GWO-PR-M has a Current ratio of 0.21. This is in the better half of the industry: GWO-PR-M outperforms 66.67% of its industry peers.
- 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 better Quick ratio (0.21) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 11.19% over the past year.
- The Earnings Per Share has been growing by 8.95% on average over the past years. This is quite good.
- Looking at the last year, GWO-PR-M shows a decrease in Revenue. The Revenue has decreased by -7.48% in the last year.
- 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)11.19%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%16.67%
Revenue 1Y (TTM)-7.48%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%66.19%
3.2 Future
- GWO-PR-M is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.72% yearly.
- The Revenue is expected to decrease by -8.23% on average over the next years.
EPS Next Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
EPS Next 5Y3.72%
Revenue Next Year-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
Revenue Next 5Y-8.23%
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
- GWO-PR-M is valuated cheaply with a Price/Earnings ratio of 5.26.
- 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 27.33, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 4.74, which indicates a rather cheap valuation of GWO-PR-M.
- Compared to the rest of the industry, the Price/Forward 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/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.26 | ||
| Fwd PE | 4.74 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as GWO-PR-M.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.66 | ||
| 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)0.5
PEG (5Y)0.59
EPS Next 2Y9.17%
EPS Next 3Y8.88%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.61%, GWO-PR-M is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.60, GWO-PR-M pays a better dividend. On top of this GWO-PR-M pays more dividend than 85.19% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, GWO-PR-M pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
5.2 History
- The dividend of GWO-PR-M has a limited annual growth rate of 5.95%.
- GWO-PR-M has been paying a dividend for at least 10 years, so it has 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
- 58.22% of the earnings are spent on dividend by GWO-PR-M. This is a bit on the high side, but may be sustainable.
- GWO-PR-M's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
GREAT-WEST LIFECO INC - GWOCN 5.8 PERP
TSX:GWO-PR-M (1/14/2026, 7:00:00 PM)
25.6
-0.17 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-05 2026-02-05/amc
Inst Owners9.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap23.41B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target25.48 (-0.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.62%
Min EPS beat(2)4.32%
Max EPS beat(2)8.92%
EPS beat(4)3
Avg EPS beat(4)3.17%
Min EPS beat(4)-5.18%
Max EPS beat(4)8.92%
EPS beat(8)7
Avg EPS beat(8)3.85%
EPS beat(12)10
Avg EPS beat(12)4.07%
EPS beat(16)12
Avg EPS beat(16)2.78%
Revenue beat(2)2
Avg Revenue beat(2)176.86%
Min Revenue beat(2)64.71%
Max Revenue beat(2)289.01%
Revenue beat(4)4
Avg Revenue beat(4)105.76%
Min Revenue beat(4)2.76%
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)-5.31%
PT rev (3m)-3.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.81%
EPS NY rev (1m)0%
EPS NY rev (3m)4.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-71.57%
Revenue NY rev (1m)-27.87%
Revenue NY rev (3m)345.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.26 | ||
| Fwd PE | 4.74 | ||
| P/S | 0.7 | ||
| P/FCF | 4.66 | ||
| P/OCF | 4.66 | ||
| P/B | 0.71 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY19.02%
EPS(NY)5.4
Fwd EY21.09%
FCF(TTM)5.49
FCFY21.46%
OCF(TTM)5.49
OCFY21.46%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)0.5
PEG (5Y)0.59
Graham Number63.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 12.15% | ||
| ROCE | 0.64% | ||
| ROIC | 0.46% | ||
| ROICexc | 0.47% | ||
| ROICexgc | 1.6% | ||
| OM | 16.34% | ||
| PM (TTM) | 12.02% | ||
| GM | N/A | ||
| FCFM | 14.99% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 13.29 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 124.7% | ||
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 | ||
| Altman-Z | N/A |
F-Score7
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)11.19%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%16.67%
EPS Next Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
EPS Next 5Y3.72%
Revenue 1Y (TTM)-7.48%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%66.19%
Revenue Next Year-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
Revenue Next 5Y-8.23%
EBIT growth 1Y12.58%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y222.4%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y222.4%
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 of GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) 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 5 / 10.
What are the PE and PB ratios of GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) stock?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) is 5.26 and the Price/Book (PB) ratio is 0.71.
What is the expected EPS growth for GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) stock?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 5.8 PERP (GWO-PR-M.CA) is expected to grow by 10.43% in the next year.