GREAT-WEST LIFECO INC - GWOCN 5.4 PERP (GWO-PR-P.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-P - CA39138C7750
24.29 CAD
+0.13 (+0.54%)
We assign a fundamental rating of 4 out of 10 to GWO-PR-P. GWO-PR-P was compared to 80 industry peers in the Insurance industry. GWO-PR-P has an average financial health and profitability rating. GWO-PR-P is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GWO-PR-P had positive earnings in the past year.
In the past year GWO-PR-P had a positive cash flow from operations.
In the past 5 years GWO-PR-P has always been profitable.
In the past 5 years GWO-PR-P always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.47%, GWO-PR-P is doing worse than 63.75% of the companies in the same industry.
GWO-PR-P's Return On Equity of 12.15% is in line compared to the rest of the industry. GWO-PR-P outperforms 55.00% of its industry peers.
GWO-PR-P's Return On Invested Capital of 0.46% is in line compared to the rest of the industry. GWO-PR-P outperforms 45.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-P is below the industry average of 2.46%.
The last Return On Invested Capital (0.46%) for GWO-PR-P 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
With a decent Profit Margin value of 12.02%, GWO-PR-P is doing good in the industry, outperforming 68.75% of the companies in the same industry.
GWO-PR-P's Profit Margin has improved in the last couple of years.
GWO-PR-P has a Operating Margin (16.34%) which is in line with its industry peers.
GWO-PR-P'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
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 1.74, which is an excellent value as it means it would take GWO-PR-P, only 1.74 years of fcf income to pay off all of its debts.
GWO-PR-P's Debt to FCF ratio of 1.74 is in line compared to the rest of the industry. GWO-PR-P outperforms 53.75% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that GWO-PR-P is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.26, GWO-PR-P is doing good in the industry, outperforming 63.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| 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's Current ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-P outperforms 70.00% of its industry peers.
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.
Looking at the Quick ratio, with a value of 0.21, GWO-PR-P is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
| 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 11.19%, 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 a decrease in Revenue. In the last year, the revenue decreased by -7.48%.
The Revenue has been decreasing by -6.19% on average over the past years.
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
Based on estimates for the next years, GWO-PR-P will show a small growth in Earnings Per Share. The EPS will grow by 3.72% 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 -7.91% on average per year.
EPS Next Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 4.99 indicates a rather cheap valuation of GWO-PR-P.
The rest of the industry has a similar Price/Earnings ratio as GWO-PR-P.
GWO-PR-P is valuated cheaply when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 4.64 indicates a rather cheap valuation of GWO-PR-P.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GWO-PR-P is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 34.45. GWO-PR-P is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.99 | ||
| Fwd PE | 4.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-P is valued a bit more expensive than the industry average as 68.75% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.47 | ||
| 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)0.74
PEG (5Y)0.56
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.43%, GWO-PR-P has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.43, GWO-PR-P pays less dividend than the industry average, which is at 4.36. 82.50% 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 2.41, GWO-PR-P has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
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 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
58.22% of the earnings are spent on dividend by GWO-PR-P. This is a bit on the high side, but may be sustainable.
The dividend of GWO-PR-P is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 5.4 PERP
TSX:GWO-PR-P (11/21/2025, 7:00:00 PM)
24.29
+0.13 (+0.54%)
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 Cap22.44B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target25.77 (6.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years12
Ex-Date
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)1.95%
PT rev (3m)1.56%
EPS NQ rev (1m)4.56%
EPS NQ rev (3m)4.74%
EPS NY rev (1m)0.63%
EPS NY rev (3m)0.89%
Revenue NQ rev (1m)-72.36%
Revenue NQ rev (3m)-72.36%
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)-88.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.99 | ||
| Fwd PE | 4.64 | ||
| P/S | 0.67 | ||
| P/FCF | 4.47 | ||
| P/OCF | 4.47 | ||
| P/B | 0.68 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY20.05%
EPS(NY)5.24
Fwd EY21.55%
FCF(TTM)5.44
FCFY22.38%
OCF(TTM)5.44
OCFY22.38%
SpS36.27
BVpS35.88
TBVpS18.27
PEG (NY)0.74
PEG (5Y)0.56
Graham Number62.7
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 Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
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-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
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 5.4 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 5 / 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 4 / 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 5 / 10 and the dividend payout ratio is 58.22%.