Logo image of GWO-PR-N.CA

GREAT-WEST LIFECO INC - GWOCN 1.749 PERP (GWO-PR-N.CA) Stock Fundamental Analysis

TSX:GWO-PR-N - Toronto Stock Exchange - CA39138C7917 - Currency: CAD

16.55  +0.11 (+0.67%)

Fundamental Rating

5

GWO-PR-N gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 83 industry peers in the Insurance industry. GWO-PR-N has only an average score on both its financial health and profitability. GWO-PR-N has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year GWO-PR-N was profitable.
GWO-PR-N had a positive operating cash flow in the past year.
GWO-PR-N had positive earnings in each of the past 5 years.
GWO-PR-N had a positive operating cash flow in each of the past 5 years.
GWO-PR-N.CA Yearly Net Income VS EBIT VS OCF VS FCFGWO-PR-N.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

GWO-PR-N has a Return On Assets (0.49%) which is comparable to the rest of the industry.
GWO-PR-N has a Return On Equity of 12.09%. This is in the better half of the industry: GWO-PR-N outperforms 70.73% of its industry peers.
The Return On Invested Capital of GWO-PR-N (0.50%) is comparable to the rest of the industry.
GWO-PR-N had an Average Return On Invested Capital over the past 3 years of 0.46%. This is below the industry average of 2.95%.
The 3 year average ROIC (0.46%) for GWO-PR-N is below the current ROIC(0.50%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.49%
ROE 12.09%
ROIC 0.5%
ROA(3y)0.47%
ROA(5y)0.48%
ROE(3y)11.29%
ROE(5y)11.02%
ROIC(3y)0.46%
ROIC(5y)0.45%
GWO-PR-N.CA Yearly ROA, ROE, ROICGWO-PR-N.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 12.21%, GWO-PR-N is doing good in the industry, outperforming 79.27% of the companies in the same industry.
In the last couple of years the Profit Margin of GWO-PR-N has grown nicely.
GWO-PR-N has a Operating Margin of 17.06%. This is in the better half of the industry: GWO-PR-N outperforms 76.83% of its industry peers.
GWO-PR-N's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 17.06%
PM (TTM) 12.21%
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
GWO-PR-N.CA Yearly Profit, Operating, Gross MarginsGWO-PR-N.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

4

2. Health

2.1 Basic Checks

Compared to 1 year ago, GWO-PR-N has about the same amount of shares outstanding.
GWO-PR-N has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GWO-PR-N has been reduced compared to a year ago.
GWO-PR-N.CA Yearly Shares OutstandingGWO-PR-N.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
GWO-PR-N.CA Yearly Total Debt VS Total AssetsGWO-PR-N.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

The Debt to FCF ratio of GWO-PR-N is 1.99, which is an excellent value as it means it would take GWO-PR-N, only 1.99 years of fcf income to pay off all of its debts.
GWO-PR-N has a Debt to FCF ratio of 1.99. This is in the better half of the industry: GWO-PR-N outperforms 67.07% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that GWO-PR-N is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.29, GWO-PR-N is in the better half of the industry, outperforming 67.07% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.99
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GWO-PR-N.CA Yearly LT Debt VS Equity VS FCFGWO-PR-N.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

GWO-PR-N has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-N is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO-PR-N's Current ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-N outperforms 79.27% of its industry peers.
A Quick Ratio of 0.21 indicates that GWO-PR-N may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.21, GWO-PR-N is doing good in the industry, outperforming 79.27% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.21
Quick Ratio 0.21
GWO-PR-N.CA Yearly Current Assets VS Current LiabilitesGWO-PR-N.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

4

3. Growth

3.1 Past

GWO-PR-N shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.34%, which is quite impressive.
GWO-PR-N shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.08% yearly.
Looking at the last year, GWO-PR-N shows a small growth in Revenue. The Revenue has grown by 3.86% in the last year.
The Revenue has been decreasing by -6.19% on average over the past years.
EPS 1Y (TTM)44.34%
EPS 3Y7.81%
EPS 5Y11.08%
EPS Q2Q%50.04%
Revenue 1Y (TTM)3.86%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%644.61%

3.2 Future

The Earnings Per Share is expected to grow by 4.05% on average over the next years.
The Revenue is expected to grow by 4.37% on average over the next years.
EPS Next Y4.98%
EPS Next 2Y4.88%
EPS Next 3Y2.71%
EPS Next 5Y4.05%
Revenue Next Year3.23%
Revenue Next 2Y3.3%
Revenue Next 3Y4.08%
Revenue Next 5Y4.37%

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 accelerating: in the next years the growth will be better than in the last years.
GWO-PR-N.CA Yearly Revenue VS EstimatesGWO-PR-N.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B 80B
GWO-PR-N.CA Yearly EPS VS EstimatesGWO-PR-N.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4 5

6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 3.93, the valuation of GWO-PR-N can be described as very cheap.
69.51% of the companies in the same industry are more expensive than GWO-PR-N, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 30.19. GWO-PR-N is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.52, the valuation of GWO-PR-N can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GWO-PR-N indicates a somewhat cheap valuation: GWO-PR-N is cheaper than 74.39% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of GWO-PR-N to the average of the S&P500 Index (23.58), we can say GWO-PR-N is valued rather cheaply.
Industry RankSector Rank
PE 3.93
Fwd PE 3.52
GWO-PR-N.CA Price Earnings VS Forward Price EarningsGWO-PR-N.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

GWO-PR-N's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GWO-PR-N is more expensive than 69.51% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.25
EV/EBITDA N/A
GWO-PR-N.CA Per share dataGWO-PR-N.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
The decent profitability rating of GWO-PR-N may justify a higher PE ratio.
PEG (NY)0.79
PEG (5Y)0.35
EPS Next 2Y4.88%
EPS Next 3Y2.71%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.74%, GWO-PR-N is a good candidate for dividend investing.
GWO-PR-N's Dividend Yield is a higher than the industry average which is at 4.27.
Compared to an average S&P500 Dividend Yield of 2.30, GWO-PR-N pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.74%

5.2 History

The dividend of GWO-PR-N has a limited annual growth rate of 5.95%.
GWO-PR-N has paid a dividend for at least 10 years, which is a reliable track record.
GWO-PR-N has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years3
GWO-PR-N.CA Yearly Dividends per shareGWO-PR-N.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

55.81% of the earnings are spent on dividend by GWO-PR-N. This is a bit on the high side, but may be sustainable.
GWO-PR-N's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP55.81%
EPS Next 2Y4.88%
EPS Next 3Y2.71%
GWO-PR-N.CA Yearly Income VS Free CF VS DividendGWO-PR-N.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
GWO-PR-N.CA Dividend Payout.GWO-PR-N.CA Dividend Payout, showing the Payout Ratio.GWO-PR-N.CA Dividend Payout.PayoutRetained Earnings

GREAT-WEST LIFECO INC - GWOCN 1.749 PERP

TSX:GWO-PR-N (2/14/2025, 7:00:00 PM)

16.55

+0.11 (+0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05 2025-02-05/amc
Earnings (Next)05-07 2025-05-07
Inst Owners11.11%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap15.42B
Analysts52
Price Target18.31 (10.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.74%
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP55.81%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-03 2025-03-03 (0.109313)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-3.38%
Min Revenue beat(2)-32.89%
Max Revenue beat(2)26.13%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)9.62%
PT rev (3m)26.39%
EPS NQ rev (1m)1.01%
EPS NQ rev (3m)3.79%
EPS NY rev (1m)0.45%
EPS NY rev (3m)3.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 3.93
Fwd PE 3.52
P/S 0.48
P/FCF 3.25
P/OCF 3.25
P/B 0.47
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)4.21
EY25.44%
EPS(NY)4.71
Fwd EY28.44%
FCF(TTM)5.1
FCFY30.8%
OCF(TTM)5.1
OCFY30.8%
SpS34.63
BVpS34.96
TBVpS17.38
PEG (NY)0.79
PEG (5Y)0.35
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 12.09%
ROCE 0.69%
ROIC 0.5%
ROICexc 0.5%
ROICexgc 1.66%
OM 17.06%
PM (TTM) 12.21%
GM N/A
FCFM 14.72%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.99
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 13.43
Cash Conversion N/A
Profit Quality 120.58%
Current Ratio 0.21
Quick Ratio 0.21
Altman-Z N/A
F-Score8
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)44.34%
EPS 3Y7.81%
EPS 5Y11.08%
EPS Q2Q%50.04%
EPS Next Y4.98%
EPS Next 2Y4.88%
EPS Next 3Y2.71%
EPS Next 5Y4.05%
Revenue 1Y (TTM)3.86%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%644.61%
Revenue Next Year3.23%
Revenue Next 2Y3.3%
Revenue Next 3Y4.08%
Revenue Next 5Y4.37%
EBIT growth 1Y47.98%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.69%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y-8.69%
OCF growth 3Y-22.92%
OCF growth 5Y-4.91%