GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-P - CA39138C7750
24.46 CAD
0 (0%)
We assign a fundamental rating of 4 out of 10 to GWO-PR-P. GWO-PR-P was compared to 79 industry peers in the Insurance industry. GWO-PR-P has a medium profitability rating, but doesn't score so well on its financial health evaluation. GWO-PR-P is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-P was profitable.
GWO-PR-P had a positive operating cash flow in the past year.
In the past 5 years GWO-PR-P has always been profitable.
GWO-PR-P had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.46%, GWO-PR-P is doing worse than 65.82% of the companies in the same industry.
GWO-PR-P's Return On Equity of 11.43% is in line compared to the rest of the industry. GWO-PR-P outperforms 44.30% of its industry peers.
GWO-PR-P has a Return On Invested Capital (0.46%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-P is in line with the industry average of 2.21%.
| 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
Looking at the Profit Margin, with a value of 10.77%, GWO-PR-P is in the better half of the industry, outperforming 63.29% of the companies in the same industry.
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 78.48% 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.
GWO-PR-P has more shares outstanding than it did 5 years ago.
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.
The Debt to FCF ratio of GWO-PR-P (2.17) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.28 indicates that GWO-PR-P is not too dependend on debt financing.
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 41.77% 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.
With a decent Current ratio value of 0.21, GWO-PR-P is doing good in the industry, outperforming 69.62% of the companies in the same industry.
GWO-PR-P has a Quick 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.
The Quick ratio of GWO-PR-P (0.21) is better than 69.62% 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 9.86% over the past year.
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
The Earnings Per Share is expected to grow by 3.58% on average over the next years.
The Revenue is expected to decrease by -8.04% on average over the next years.
EPS Next Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.04%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
GWO-PR-P is valuated cheaply with a Price/Earnings ratio of 5.23.
GWO-PR-P's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.83, GWO-PR-P is valued rather cheaply.
The Price/Forward Earnings ratio is 4.75, which indicates a rather cheap valuation of GWO-PR-P.
The rest of the industry has a similar Price/Forward Earnings ratio as GWO-PR-P.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.82, GWO-PR-P is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.23 | ||
| Fwd PE | 4.75 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-P indicates a slightly more expensive valuation: GWO-PR-P is more expensive than 77.22% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.28 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GWO-PR-P's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.86
PEG (5Y)0.58
EPS Next 2Y6.62%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.47%, GWO-PR-P has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.47, GWO-PR-P pays less dividend than the industry average, which is at 3.80. 84.81% of the companies listed in the same industry pay a better dividend than GWO-PR-P!
Compared to an average S&P500 Dividend Yield of 2.34, GWO-PR-P has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
5.2 History
The dividend of GWO-PR-P has a limited annual growth rate of 5.95%.
GWO-PR-P has paid a dividend for at least 10 years, which is a reliable track record.
GWO-PR-P has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years12
5.3 Sustainability
61.63% of the earnings are spent on dividend by GWO-PR-P. 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 2Y6.62%
EPS Next 3Y6.95%
GREAT-WEST LIFECO INC - GWOCN 5.4 PERP
TSX:GWO-PR-P (10/23/2025, 7:00:00 PM)
24.46
0 (0%)
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 Cap22.60B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.86
Price Target25.27 (3.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
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)0%
PT rev (3m)-1.19%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)0.27%
EPS NY rev (3m)-2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-94.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.23 | ||
| Fwd PE | 4.75 | ||
| P/S | 0.65 | ||
| P/FCF | 5.28 | ||
| P/OCF | 5.28 | ||
| P/B | 0.69 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY19.13%
EPS(NY)5.15
Fwd EY21.05%
FCF(TTM)4.63
FCFY18.94%
OCF(TTM)4.63
OCFY18.94%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.86
PEG (5Y)0.58
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 Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
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-8.04%
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 5.4 PERP / GWO-PR-P.CA FAQ
What is the fundamental rating for GWO-PR-P stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-P.CA.
What is the valuation status for GWO-PR-P stock?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA). This can be considered as Fairly Valued.
How profitable is GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) stock?
GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) has a profitability rating of 4 / 10.
How financially healthy is GREAT-WEST LIFECO INC - GWOCN 5.4 PERP?
The financial health rating of GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) is 3 / 10.
How sustainable is the dividend of GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) stock?
The dividend rating of GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) is 4 / 10 and the dividend payout ratio is 61.63%.