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
Overall GWO-PR-N gets a fundamental rating of 5 out of 10. We evaluated GWO-PR-N against 82 industry peers in the Insurance industry. While GWO-PR-N is still in line with the averages on profitability rating, there are concerns on its financial health. GWO-PR-N is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GWO-PR-N had positive earnings in the past year.
In the past year GWO-PR-N had a positive cash flow from operations.
In the past 5 years GWO-PR-N has always been profitable.
GWO-PR-N had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GWO-PR-N has a Return On Assets (0.48%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 11.63%, GWO-PR-N is in the better half of the industry, outperforming 64.63% of the companies in the same industry.
The Return On Invested Capital of GWO-PR-N (0.47%) 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 2.70%.
The 3 year average ROIC (0.46%) for GWO-PR-N is below the current ROIC(0.47%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 11.63% | ||
| ROIC | 0.47% |
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-N has a better Profit Margin (11.36%) than 80.49% of its industry peers.
GWO-PR-N's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 15.60%, GWO-PR-N perfoms like the industry average, outperforming 57.32% of the companies in the same industry.
GWO-PR-N's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.6% | ||
| PM (TTM) | 11.36% | ||
| 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-N remains at a similar level compared to 1 year ago.
The number of shares outstanding for GWO-PR-N has been increased compared to 5 years ago.
The debt/assets ratio for GWO-PR-N has been reduced compared to a year ago.
2.2 Solvency
GWO-PR-N has a debt to FCF ratio of 2.20. This is a good value and a sign of high solvency as GWO-PR-N would need 2.20 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.20, GWO-PR-N perfoms like the industry average, outperforming 54.88% of the companies in the same industry.
GWO-PR-N has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
GWO-PR-N has a better Debt to Equity ratio (0.29) than 64.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 2.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.21 indicates that GWO-PR-N may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.21, GWO-PR-N is in the better half of the industry, outperforming 78.05% of the companies in the same industry.
A Quick Ratio of 0.21 indicates that GWO-PR-N may have some problems paying its short term obligations.
GWO-PR-N has a Quick ratio of 0.21. This is in the better half of the industry: GWO-PR-N outperforms 78.05% 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 9.90% over the past year.
Measured over the past years, GWO-PR-N 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 11.74% in the past year. This is quite good.
Measured over the past years, GWO-PR-N shows a decrease in Revenue. The Revenue has been decreasing by -6.19% on average per year.
EPS 1Y (TTM)9.9%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%1.83%
Revenue 1Y (TTM)11.74%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%20.48%
3.2 Future
Based on estimates for the next years, GWO-PR-N will show a small growth in Earnings Per Share. The EPS will grow by 4.37% on average per year.
The Revenue is expected to grow by 2.59% on average over the next years.
EPS Next Y8.26%
EPS Next 2Y7.68%
EPS Next 3Y4.95%
EPS Next 5Y4.37%
Revenue Next Year0.27%
Revenue Next 2Y1.97%
Revenue Next 3Y2.44%
Revenue Next 5Y2.59%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 3.67 indicates a rather cheap valuation of GWO-PR-N.
Based on the Price/Earnings ratio, GWO-PR-N is valued a bit cheaper than the industry average as 70.73% of the companies are valued more expensively.
GWO-PR-N is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 3.18, the valuation of GWO-PR-N can be described as very cheap.
GWO-PR-N's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GWO-PR-N is cheaper than 76.83% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GWO-PR-N to the average of the S&P500 Index (22.19), we can say GWO-PR-N is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.67 | ||
| Fwd PE | 3.18 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-N indicates a slightly more expensive valuation: GWO-PR-N is more expensive than 69.51% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.59 | ||
| 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.
The decent profitability rating of GWO-PR-N may justify a higher PE ratio.
PEG (NY)0.44
PEG (5Y)0.41
EPS Next 2Y7.68%
EPS Next 3Y4.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.85%, GWO-PR-N is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.17, GWO-PR-N pays a bit more dividend than its industry peers.
GWO-PR-N's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.85% |
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
5.3 Sustainability
GWO-PR-N pays out 58.57% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of GWO-PR-N is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.57%
EPS Next 2Y7.68%
EPS Next 3Y4.95%
GREAT-WEST LIFECO INC - GWOCN 1.749 PERP
TSX:GWO-PR-N (6/20/2025, 7:00:00 PM)
16.7
-0.01 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners11.18%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap15.54B
Analysts68.33
Price Target18.3 (9.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.85% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.57%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.29%
Min EPS beat(2)-5.18%
Max EPS beat(2)4.6%
EPS beat(4)3
Avg EPS beat(4)2.22%
Min EPS beat(4)-5.18%
Max EPS beat(4)5.28%
EPS beat(8)7
Avg EPS beat(8)3.75%
EPS beat(12)9
Avg EPS beat(12)2.58%
EPS beat(16)12
Avg EPS beat(16)3.61%
Revenue beat(2)2
Avg Revenue beat(2)34.66%
Min Revenue beat(2)2.76%
Max Revenue beat(2)66.56%
Revenue beat(4)3
Avg Revenue beat(4)27.51%
Min Revenue beat(4)-32.89%
Max Revenue beat(4)73.62%
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)5.86%
PT rev (3m)2.58%
EPS NQ rev (1m)-2.76%
EPS NQ rev (3m)-2.65%
EPS NY rev (1m)0%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.67 | ||
| Fwd PE | 3.18 | ||
| P/S | 0.46 | ||
| P/FCF | 3.59 | ||
| P/OCF | 3.59 | ||
| P/B | 0.47 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.55
EY27.25%
EPS(NY)5.25
Fwd EY31.45%
FCF(TTM)4.65
FCFY27.86%
OCF(TTM)4.65
OCFY27.86%
SpS36.32
BVpS35.48
TBVpS17.81
PEG (NY)0.44
PEG (5Y)0.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 11.63% | ||
| ROCE | 0.66% | ||
| ROIC | 0.47% | ||
| ROICexc | 0.48% | ||
| ROICexgc | 1.55% | ||
| OM | 15.6% | ||
| PM (TTM) | 11.36% | ||
| GM | N/A | ||
| FCFM | 12.81% |
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 2.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 12.86 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.79% | ||
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 | ||
| Altman-Z | N/A |
F-Score9
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)9.9%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%1.83%
EPS Next Y8.26%
EPS Next 2Y7.68%
EPS Next 3Y4.95%
EPS Next 5Y4.37%
Revenue 1Y (TTM)11.74%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%20.48%
Revenue Next Year0.27%
Revenue Next 2Y1.97%
Revenue Next 3Y2.44%
Revenue Next 5Y2.59%
EBIT growth 1Y21.14%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.79%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y-5.79%
OCF growth 3Y-22.92%
OCF growth 5Y-4.91%