GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-P - CA39138C7750
24.35 CAD
-0.08 (-0.33%)
Overall GWO-PR-P gets a fundamental rating of 4 out of 10. We evaluated GWO-PR-P against 77 industry peers in the Insurance industry. There are concerns on the financial health of GWO-PR-P while its profitability can be described as average. GWO-PR-P has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally GWO-PR-P also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
GWO-PR-P had positive earnings in the past year.
GWO-PR-P had a positive operating cash flow in the past year.
Each year in the past 5 years GWO-PR-P has been profitable.
In the past 5 years GWO-PR-P always reported a positive cash flow from operatings.
1.2 Ratios
GWO-PR-P's Return On Assets of 0.46% is on the low side compared to the rest of the industry. GWO-PR-P is outperformed by 68.83% of its industry peers.
The Return On Equity of GWO-PR-P (11.43%) is comparable to the rest of the industry.
GWO-PR-P has a Return On Invested Capital (0.46%) which is comparable to the rest of the industry.
GWO-PR-P had an Average Return On Invested Capital over the past 3 years of 0.46%. This is in line with the industry average of 2.33%.
| 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-P has a Profit Margin of 10.77%. This is comparable to the rest of the industry: GWO-PR-P outperforms 59.74% of its industry peers.
In the last couple of years the Profit Margin of GWO-PR-P has grown nicely.
Looking at the Operating Margin, with a value of 14.86%, GWO-PR-P is doing worse than 80.52% of the companies in the same industry.
GWO-PR-P'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
GWO-PR-P has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GWO-PR-P has more shares outstanding
Compared to 1 year ago, GWO-PR-P has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-P is 2.17, which is a good value as it means it would take GWO-PR-P, 2.17 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.17, GWO-PR-P perfoms like the industry average, outperforming 40.26% of the companies in the same industry.
GWO-PR-P has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
GWO-PR-P has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: GWO-PR-P outperforms 41.56% 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-P has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-P is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO-PR-P has a better Current ratio (0.21) than 68.83% of its industry peers.
A Quick Ratio of 0.21 indicates that GWO-PR-P may have some problems paying its short term obligations.
GWO-PR-P's Quick ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-P outperforms 68.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-P 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-P shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.95% on average per year.
GWO-PR-P shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.22%.
GWO-PR-P 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-P will show a small growth in Earnings Per Share. The EPS will grow by 3.24% on average per year.
Based on estimates for the next years, GWO-PR-P will show a decrease in Revenue. The Revenue will decrease by -8.34% on average per year.
EPS Next Y5.76%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
EPS Next 5Y3.24%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.34%
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-P is valuated cheaply with a Price/Earnings ratio of 5.20.
GWO-PR-P's Price/Earnings is on the same level as the industry average.
GWO-PR-P's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Based on the Price/Forward Earnings ratio of 4.74, the valuation of GWO-PR-P can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as GWO-PR-P.
GWO-PR-P's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.71.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.2 | ||
| Fwd PE | 4.74 |
4.2 Price Multiples
GWO-PR-P's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GWO-PR-P is more expensive than 79.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.26 | ||
| 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)0.9
PEG (5Y)0.58
EPS Next 2Y6.51%
EPS Next 3Y6.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.41%, GWO-PR-P is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.91, GWO-PR-P pays a bit more dividend than its industry peers.
GWO-PR-P's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
5.2 History
The dividend of GWO-PR-P has a limited annual growth rate of 5.95%.
GWO-PR-P has been paying a dividend for at least 10 years, so it has a reliable track record.
GWO-PR-P 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 Years12
5.3 Sustainability
GWO-PR-P pays out 61.63% of its income as dividend. This is not a sustainable payout ratio.
The dividend of GWO-PR-P is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
GREAT-WEST LIFECO INC - GWOCN 5.4 PERP
TSX:GWO-PR-P (9/16/2025, 7:00:00 PM)
24.35
-0.08 (-0.33%)
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 Cap22.50B
Analysts70.77
Price Target25.27 (3.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP61.63%
Div Incr Years0
Div Non Decr Years12
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)-2.88%
PT rev (3m)2.6%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)1.04%
EPS NY rev (1m)-2.31%
EPS NY rev (3m)-2.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-90.62%
Revenue NY rev (3m)-94.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.2 | ||
| Fwd PE | 4.74 | ||
| P/S | 0.65 | ||
| P/FCF | 5.26 | ||
| P/OCF | 5.26 | ||
| P/B | 0.69 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY19.22%
EPS(NY)5.14
Fwd EY21.1%
FCF(TTM)4.63
FCFY19.03%
OCF(TTM)4.63
OCFY19.03%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.9
PEG (5Y)0.58
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 Y5.76%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
EPS Next 5Y3.24%
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-8.34%
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%