GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-Q - CA39138C7677
23.34 CAD
-0.03 (-0.13%)
GWO-PR-Q gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. Both the profitability and the financial health of GWO-PR-Q get a neutral evaluation. Nothing too spectacular is happening here. GWO-PR-Q is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GWO-PR-Q had positive earnings in the past year.
In the past year GWO-PR-Q had a positive cash flow from operations.
GWO-PR-Q had positive earnings in each of the past 5 years.
GWO-PR-Q had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GWO-PR-Q's Return On Assets of 0.47% is on the low side compared to the rest of the industry. GWO-PR-Q is outperformed by 60.98% of its industry peers.
The Return On Equity of GWO-PR-Q (12.15%) is comparable to the rest of the industry.
GWO-PR-Q's Return On Invested Capital of 0.46% is in line compared to the rest of the industry. GWO-PR-Q outperforms 50.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-Q is below the industry average of 2.47%.
The 3 year average ROIC (0.46%) for GWO-PR-Q is below the current ROIC(0.46%), indicating increased profibility in the last year.
| 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
GWO-PR-Q has a Profit Margin of 12.02%. This is in the better half of the industry: GWO-PR-Q outperforms 73.17% of its industry peers.
In the last couple of years the Profit Margin of GWO-PR-Q has grown nicely.
GWO-PR-Q has a Operating Margin (16.34%) which is in line with its industry peers.
GWO-PR-Q'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
The number of shares outstanding for GWO-PR-Q remains at a similar level compared to 1 year ago.
The number of shares outstanding for GWO-PR-Q has been increased compared to 5 years ago.
Compared to 1 year ago, GWO-PR-Q has an improved debt to assets ratio.
2.2 Solvency
GWO-PR-Q has a debt to FCF ratio of 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.
GWO-PR-Q has a Debt to FCF ratio of 1.74. This is comparable to the rest of the industry: GWO-PR-Q outperforms 57.32% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that GWO-PR-Q is not too dependend on debt financing.
GWO-PR-Q's Debt to Equity ratio of 0.26 is fine compared to the rest of the industry. GWO-PR-Q outperforms 68.29% of its industry peers.
| 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-Q has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-Q is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.21, GWO-PR-Q is in the better half of the industry, outperforming 73.17% of the companies in the same industry.
GWO-PR-Q has a Quick Ratio of 0.21. This is a bad value and indicates that GWO-PR-Q is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO-PR-Q's Quick ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-Q outperforms 73.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-Q shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.19%, which is quite good.
The Earnings Per Share has been growing by 8.95% on average over the past years. This is quite good.
The Revenue has decreased by -7.48% in the past year.
Measured over the past years, GWO-PR-Q shows a decrease in Revenue. The Revenue has been decreasing by -6.19% on average per year.
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
GWO-PR-Q is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.72% yearly.
The Revenue is expected to decrease by -7.76% on average over the next years.
EPS Next Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.79%
EPS Next 5Y3.72%
Revenue Next Year-67.06%
Revenue Next 2Y-41.69%
Revenue Next 3Y-29.11%
Revenue Next 5Y-7.76%
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
Based on the Price/Earnings ratio of 4.79, the valuation of GWO-PR-Q can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-Q indicates a somewhat cheap valuation: GWO-PR-Q is cheaper than 62.20% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.38, GWO-PR-Q is valued rather cheaply.
The Price/Forward Earnings ratio is 4.32, which indicates a rather cheap valuation of GWO-PR-Q.
GWO-PR-Q's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of GWO-PR-Q to the average of the S&P500 Index (23.83), we can say GWO-PR-Q is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.79 | ||
| Fwd PE | 4.32 |
4.2 Price Multiples
GWO-PR-Q's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GWO-PR-Q is more expensive than 65.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.25 | ||
| 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)0.46
PEG (5Y)0.54
EPS Next 2Y9.17%
EPS Next 3Y8.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.64%, GWO-PR-Q has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.42, GWO-PR-Q pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, GWO-PR-Q pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
5.2 History
The dividend of GWO-PR-Q has a limited annual growth rate of 5.95%.
GWO-PR-Q has been paying a dividend for at least 10 years, so it has a reliable track record.
GWO-PR-Q has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
GWO-PR-Q pays out 58.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
GWO-PR-Q's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y9.17%
EPS Next 3Y8.79%
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP
TSX:GWO-PR-Q (12/19/2025, 7:00:00 PM)
23.34
-0.03 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.69%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap21.34B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target24.34 (4.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years4
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)-1.16%
PT rev (3m)-0.15%
EPS NQ rev (1m)1.03%
EPS NQ rev (3m)6.07%
EPS NY rev (1m)3.48%
EPS NY rev (3m)4.41%
Revenue NQ rev (1m)2.87%
Revenue NQ rev (3m)-71.57%
Revenue NY rev (1m)421.85%
Revenue NY rev (3m)517.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.79 | ||
| Fwd PE | 4.32 | ||
| P/S | 0.64 | ||
| P/FCF | 4.25 | ||
| P/OCF | 4.25 | ||
| P/B | 0.64 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY20.87%
EPS(NY)5.4
Fwd EY23.13%
FCF(TTM)5.49
FCFY23.53%
OCF(TTM)5.49
OCFY23.53%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)0.46
PEG (5Y)0.54
Graham Number63.02
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 Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.79%
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-67.06%
Revenue Next 2Y-41.69%
Revenue Next 3Y-29.11%
Revenue Next 5Y-7.76%
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 5.15 PERP / GWO-PR-Q.CA FAQ
What is the ChartMill fundamental rating of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-Q.CA.
Can you provide the valuation status for GREAT-WEST LIFECO INC - GWOCN 5.15 PERP?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GREAT-WEST LIFECO INC - GWOCN 5.15 PERP?
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) has a profitability rating of 5 / 10.
What is the financial health of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) stock?
The financial health rating of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) is 4 / 10.
Can you provide the expected EPS growth for GWO-PR-Q stock?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) is expected to grow by 10.43% in the next year.